Can I throw out another suggestion? Unless you're making one charge that exceeds your credit limit, look for the card with the best rewards, regardless of the limit. I run a couple of small businesses with my wife, and all of our cards have limits in excess of 20k+. However, what we do is charge according to what reward we want at that time. For example, we use Starwood when we're planning a trip in the near future, Amazon if we're looking to buy something that rarely gets discounted, REI if we're looking at outdoors clothes, etc. Of course, this takes some planning on what you want as far as rewards go, but in the last year, we charged over $250k+ and out of that, we got a trip for 2 to Paris and Amsterdam for free, a free laptop computer, countless bike parts for me, a $150 REI dividend, etc.... This was on top of the profit we received from running the business. Granted, if we would've put all of this on one Amex card, we probably would've qualified for Centurion status, but that annual fee is pretty hard to swallow, regardless of the "benefits" that you get from it.