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What is the Typical Credit Card Limit for business?

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Is there a general rule-of-thumb for determining credit limit for business credit cards?  My friend has been in business 10 years and is incorporated.  He has no employees.  He does $3M/year in gross sales.   The bank is willing to give him a business credit card.  They have agreed to use his TIN, not SS.  If you had to guess, what do you think his credit limit will be?  He has never done business with the this bank but has built a strong relationship the past 6 weeks.   He was told their business credit cards begin at $25K limit -- and go up from there.   What's the most he will be offered?  just a guess is fine...

Edited by Approach

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It is unusual for most banks in 2019 to not do a personal credit check with a Social Security number required for a small business even if Incorporated with 3/m in annual sales. There are a few exceptions such as Sam's Club and at one point BJ's Mastercard but I think that ship has sailed a few years ago. 


If your friend's personal credit is strong as in multiple credit cards with $20,000 and up credit lines.  I would think they would start the business card at $35,000 to $50,000 based on 3m/year in sales.  If your friend found a bank that is going solely on business sales and no personal credit pull, they will probably check the business credit reports.  If there are high lines already reporting, then a minimum of $50,000 would be a good starting point.  Most business banks that issue business credit cards will want financial statements / tax returns for anything over $100,000 regardless of sales / personal guarantee or solely relying on business sales figures so don't expect anything over $100,000 to start with unless your friend is willing to submit the docs asked for.

Edited by direct

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