Business Credit Cards with No Personal Guarantee: A Smart Move for Growing Companies

As a business owner, separating personal and business finances is key to building credit, managing cash flow, and reducing risk. While most credit cards require a personal guarantee—meaning you’re personally liable for business debt—there are select business credit cards with no personal guarantee available in 2024.

These cards allow you to limit personal liability, protect your credit score, and establish standalone business credit profiles. Ideal for startups, LLCs, and corporations, they’re a powerful tool for financial independence.

What Is a No Personal Guarantee Business Credit Card?

A no personal guarantee business credit card is a card that doesn’t require the business owner to be personally liable for the debt. This means:

• The business entity is solely responsible for repayment
• The card issuer won’t pursue your personal assets in case of default
• Your personal credit score typically isn’t impacted

These cards are often harder to qualify for, but offer high value for well-established businesses with good financials.

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Best Business Credit Cards with No Personal Guarantee (2024)

Brex Card for Startups

• No personal guarantee
• No annual fee
• Rewards on travel, software, dining
• Requires strong business revenue or funding
• Designed for tech startups and fast-growing businesses

Ramp Corporate Card

• No PG or credit check
• 1.5% cashback on all purchases
• AI-driven spend controls and analytics
• Ideal for SMBs and VC-backed startups

Divvy Smart Credit Card

• No personal guarantee
• Integrated expense management
• Real-time spend tracking and budgeting
• Suited for businesses with consistent monthly revenue

Sam’s Club® Business Credit Card (For Members)

• No personal liability version available
• Cash rewards on fuel, dining, and travel
• Must apply under business EIN and meet criteria

Pro Tip: These cards often rely on your business EIN, revenue, bank balance, or venture capital backing rather than personal credit.

Benefits of No Personal Guarantee Business Credit Cards

Protects Personal Credit

Your personal FICO score won’t be affected if your business has financial issues.

Builds Business Credit

Using these cards responsibly strengthens your EIN-based credit history.

Limits Personal Risk

Your assets—like home, savings, or personal income—aren’t at risk in a business default.

Professional Image

Establishes your company as financially independent, which may help with funding or vendor relationships.

Common Requirements to Qualify (No PG Cards)

• Registered LLC, S-Corp, or C-Corp
• Valid EIN (Employer Identification Number)
• Minimum monthly bank account balance (varies by issuer)
• Business revenue or funding history
• U.S.-based operations

Note: Sole proprietors usually won’t qualify unless they’ve transitioned into a formal business entity.

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Alternatives to No Personal Guarantee Cards

If you can’t qualify for a no-PG card just yet, try:

• Secured business credit cards (builds credit while limiting liability)
• Personal guarantee cards with high rewards, used cautiously
• Business lines of credit or net-30 vendor accounts to build business credit

Conclusion

A business credit card with no personal guarantee offers unmatched protection and professionalism—but it’s not for every company. If you run a scalable business with revenue, capital, or strong banking history, it’s a powerful way to build business credit and reduce personal risk.

Start exploring your options today, and take a step toward financial independence for your business.

FAQs

1. Is it possible to get a business credit card with no personal guarantee?

Yes, but only select issuers offer them, and they often require solid business revenue, venture backing, or substantial cash flow.

2. Do no personal guarantee cards report to personal credit bureaus?

No—these cards report to business credit bureaus (e.g., Dun & Bradstreet, Experian Business) and do not affect your personal credit score.

3. Can I apply for a business credit card with EIN only?

Yes, cards like Brex and Ramp allow businesses to apply using only an EIN, provided you meet their business criteria.

4. Is a personal guarantee ever removed later?

Some traditional cards may allow PG removal after responsible usage and credit building—check with your issuer.

5. Are no PG cards better than traditional business credit cards?

For liability protection, yes. But traditional cards may offer easier approval and more robust reward programs, especially for startups with limited revenue.

Also read: “How Did You Hear About Us?” – Why This Simple Question Is Crucial for Business Growth