Business credit cards without a personal guarantee |
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Business credit cards without a personal guarantee

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

Finding a business credit card with no personal guarantee can be a tedious task. 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 business, you can also consider prepaid cards or a card from an issuer that doesn’t report your activity to the credit bureaus.

Our pick for a business card with no personal guarantee

Brex for Startups

  • The first corporate card for startups
  • No personal liability or security deposit needed - your personal credit score won't be affected
  • Minimum of $100,000 of funds in corporate bank account and US EIN required
  • Earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
  • Get a credit limit 10 to 20 times higher than traditional business cards
  • No foreign transaction fees
  • Build business credit - Brex partners with Experian to report your on-time payments
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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 that they will pay the debt in case the company goes bankrupt.

Why would I want a card without a personal guarantee?

If you’ve just started your business and you’re not entirely sure how it will go, your personal assets and financial future could be at risk. That’s where a card without a personal guarantee comes in — to ensure that if your business fails, your personal finances are secure.

Best business credit cards with no personal guarantee

CardDescriptionReview link
Sam's Club® Business Mastercard®A no-annual-fee credit card with high cash back on gas, dining and travel.Read review
Bremer Bank Visa® Secured CardA card with a rewards program that’s designed for medium to large businesses.Read review
Shell Small Business CardA no-annual-fee card to use at Shell gas stations.Read review
SuperAmerica Fleet CardA card for those who often make purchases with SuperAmerica.
Brinks BusinessPrepaid card.

Credit card issuers are taking a risk when they give you money. They need to know that when the time comes, you’ll repay your debt. A personal guarantee limits that risk.

Recently, more banks and lenders require multiple guarantors to reduce the risk that a single person could fail to repay the debt.

How can I get a card without a personal guarantee?

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.

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.

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 that 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, and for the Shell card you need to have at least $1 million in annual revenue to get the card without a personal guarantee.
  • Prepaid business cards. You can get prepaid cards like 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 on 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.

Try Brex for Startups corporate card

Compare business credit cards

Updated March 19th, 2019
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
18.24% to 23.24% variable


80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)


The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
None (Charge Card)


60-day interest-free financing for e-commerce businesses.
17.99% to 25.99% variable


$0 intro annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
None (Charge Card)


Earn 50,000 points after spending $10,000 in the first 3 months. Plus earn 25,000 bonus points after spending an additional $10,000 in the same timeframe.

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3 tips for using your business credit card

Looking to limit the impact your business credit card has on your personal credit score? Follow these tips.

  • 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 are often limited to using the card on the issuer’s products or services.

Luckily, there are a couple of workarounds. 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.

Kliment Dukovski

Kliment Dukovski is a writer for, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

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