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Compare business credit cards without a personal guarantee

Ensure your personal assets remain secure while still getting your business the credit it needs.


Fact checked

Our pick for no personal guarantee: Brex for Startups

Brex for Startups logo

Up to 20x

Higher credit limit than traditional cards

  • Get signup offers worth up to $25,000 in discounts and credits
  • No personal guarantee
  • No annual fee
Apply now
None of the major credit card issuers offer business credit cards with no personal guarantee. After all, no one wants to issue a credit card and then get stuck with the debt if the business fails.

Despite that, you can still find no-personal-guarantee business credit cards. And if these cards seem too limiting for your needs, you can also consider prepaid cards or a card from an issuer that doesn’t report your activity to the credit bureaus.

Business credit cards with no personal guarantee

CardDescriptionReview link
Brex for StartupsAn excellent charge card with high credit limit and generous rewards program. It comes with a $0 annual fee for the first five cards and it has a signup bonus of worth of services from partners like Amazon, Salesforce, Zendesk and more.Read review
Sam's Club® Business Mastercard®A no-annual-fee credit card with a high cashback rate on gas, dining and travel. But you’ll need a Sam’s Club business membership to apply for the card.Read review
Stripe Corporate CardA no-annual-fee credit card for fast-growing online businesses. With this card, you get to earn cash back and you get valuable rewards from partners, including Amazon, Shopify, Google Ads and more.Read review
Bremer Bank Visa Signature Business Company CardA card with a rewards program that’s designed for medium to large businesses. You also get a long 0% intro APR period on balance transfers and purchases, and the chance to earn rewards on your purchases.
Shell Small Business CardA no-annual-fee card for businesses with vehicle fleets. This card comes with discounts per gallon bought at Shell gas stations.Read review
SuperAmerica Fleet CardA card for businesses that often make purchases with SuperAmerica. The card gives you greater control in tracking vehicle activity and controling driver spending.

What is a personal guarantee?

A personal guarantee is a legal promise made by a business owner or an organization to accept the responsibility to repay the credit issued to their business in case it fails to pay its debt.

For a small corporation or a limited liability company that doesn’t have a credit history, the manager or stockholders typically personally guarantee they’ll pay the debt in case the company goes bankrupt.

Why would I want a card without a personal guarantee?

When you apply for a business credit card, your card provider will require a personal guarantee. This means that if your business fails, you will personally have to pay for your business credit card debt.

A card without a personal guarantee won’t hold you personally liable for business credit card debt.

Is it possible to get a card without a personal guarantee?

Yes, but it’s hard to meet the requirements for most such cards if you run a small business. The only exception here is the Brex card where the main requirement is to have at least a $100,000 in your bank account.

How can I get a card without a personal guarantee?

  • Negotiate.
    If you’ve been a long-time customer with your bank, you may be able to negotiate a card without a personal guarantee. Your chances are improved significantly if you have an excellent payment history, great business financials and low debt. Some banks may waive the personal guarantee after you’ve had the card for a few years or if you’ve built up your business credit.
  • Meet the requirements.
    Another way is to meet the bank’s size and revenue requirements. Often times you can get past the personal guarantee if your business has an annual revenue of $1 million or more and up to 10 employees. Such cards include the Sam’s Club® Mastercard® and Shell Small Business Card. However, with some cards, you’re limited to using them only on the service or products offered by the card issuer. The information about Shell Small Business Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
  • Apply for a card that doesn’t require personal guarantee.
    This is by far the easiest method to get a card with no personal guarantee; if you meet the approval criteria, of course. One of the most popular and most rewarding cards of this kind are the Brex for Startups and the Stripe Corporate card. But if either of the two doesn’t meet your needs, compare the other cards that don’t require a personal guarantee.

Options for business credit cards without a personal guarantee

If you don’t want to get a business credit card with a personal guarantee, your choices are narrowed to corporate gas cards, prepaid business cards and cards that don’t report to the personal credit bureaus.

  • Gas cards.
    Currently, there are two business credit cards you can use at Shell gas stations and SuperAmerica: the Shell Small Business Card and the SuperAmerica Fleet Card. The downside is your company needs to have at least three years of working history. To get the Shell Small Business Card without a personal guarantee, you need at least $1 million in annual revenue.
  • Prepaid business cards.
    You can get prepaid cards such as the Brinks Business, Bento Business, Netspend and PEX. These cards are easy to obtain, don’t do credit pulls and don’t report your activity to the credit bureaus. The only drawback is you need to have money available in your account to use these cards.
  • A credit card that doesn’t report to the personal credit bureaus.
    Business credit cards issued by Bank of America, BBVA, Citi and Wells Fargo don’t report to the personal credit bureaus, while Chase and U.S. Bank only report if the account is seriously delinquent. You’re still liable for your business finances, but your business activity won’t be reported to a credit bureau. This is the most convenient way to get a decent credit card for your business and avoid the negative effects on your personal credit.

What happens if I agree to a personal guarantee and then can’t pay off my business card?

If such an unfortunate event occurs, the card issuer will expect you to cover the debt with your personal assets. If you still can’t pay off the debt, the card issuer can take you to court and pursue your personal assets until the debt is cleared off.

Can a business credit card with no personal guarantee still affect personal credit?

Business credit cards can affect your personal credit when the card issuer does a hard pull on your credit, when it reports your card activity to credit bureaus and if you default on your payments.

Business credit cards with no personal guarantee often don’t report to personal credit, and since you’re not personally liable for the debt — they won’t report to personal credit even if you default on your payments. The only way it can affect your personal credit is if a card issuer does a hard pull when you apply for the card.

Compare business credit cards

If you can’t get a business credit card without a personal guarantee, your only credit card option would be a standard small business credit card. This can give you great credit card options with generous rewards and the chance to build your business credit. You just have to make sure to pay your balance on time.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Brex for Startups
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
Brex for Ecommerce
60-day interest-free financing for e-commerce businesses.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
BP Business Solutions Mastercard®
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month
27.24% variable
Up to $120
Up to 6 cents per gallon on fuel and 3.5 cents per gallon on diesel depending on number of gallons purchased per month.
ARCO Business Solutions Fuel Card
18.24% to 27.24% variable
Up to $180
The ARCO Business Solutions Fuel Card gives your drivers access to greater performance with high quality fuels at ARCO locations. The card provides fleet managers with detailed reporting and individual spending controls for each and every driver.

Compare up to 4 providers

How to limit the impact on your personal credit score

Follow these tips to limit the impact your business credit card has on your personal credit score:

  • Always pay in full. Try not to carry your balance from month to month. That way, you’ll have less pressure and you won’t be held liable for unpaid balances.
  • Limit authorized users. Since you’re liable for your business account, make sure to set up spending limits for your employees and authorized users so you don’t get stuck with a higher balance than you can pay.
  • Get cards with intro APR periods. If you have to carry your balance, try to get a card with a 0% intro APR period and use it to make purchases for your business and carry your balance interest-free while the intro period lasts.

Bottom line

It’s difficult to find the perfect business credit card without a personal guarantee. In many cases, you’ll have to meet certain criteria and you’ll likely be limited to using the card on the issuer’s products or services.

There are a couple of workarounds, however. You can get prepaid business cards that have zero impact on your personal credit, or you can get business cards from a bank that doesn’t report your activity to the personal credit bureaus.

Compare business cards to find one that’s right for you.

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