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If you don’t want to risk being personally liable for your business’ obligations, opt for a card that doesn’t need a personal guarantee. The best business credit cards with no personal guarantee come with low fees, rewards, and valuable benefits to your business. However, most of these cards don’t allow you to carry a balance, and some require pre-funding.
Here are the seven best business credit cards with no personal guarantee:
- Ramp Credit Card: Overall best business credit card with no personal guarantee and high credit limit
- Coast Fuel Card: Best for fuel expenses with customizable controls and fee savings
- Rho Card: Best for daily or monthly payment terms with exclusive partner rewards
- Mercury IO Mastercard®: Best for business owners who prefer an online-only bank with up to 20x FDIC protection
- Sam’s Club® Business Mastercard®: Best for small businesses with recurring big-box store purchases
- BILL Divvy Card: Best for high rewards rate and three payment frequencies
- Charity Charge Nonprofit Business Card: Best for exclusive discounts for nonprofit organizations
Overview of the Best Business Credit Cards With No Personal Guarantee 2025
Best for | Annual Fee | Ongoing Rewards | ||
|---|---|---|---|---|
 Ramp Credit Card | Overall best business credit card with no personal guarantee and high credit limit | $0 | 1.5% cash back | |
 Coast Fuel Card | Fuel expenses with customizable controls and fee savings | $0—only $4 per active user, per month | Up to 10 cents per gallon and 1% cash back | |
 Rho Card | Daily or monthly payment terms with exclusive partner rewards | $0 | Cash rewards rate not disclosed | |
 Mercury IO Mastercard® | Business owners who prefer an online-only bank with up to 20x FDIC protection | $0 | Unlimited 1.5% cash back | |
 Sam’s Club® Business Mastercard® | Small businesses with recurring big-box store purchases | $0—needs active membership at $50 or $110 per year | Cash back rewards on selected spending categories | |
 BILL Divvy Card | High rewards rate and three payment frequencies | $0 | Up to 7x points | |
 Charity Charge Nonprofit Business Card | Exclusive discounts for nonprofit organizations | $0 | None, but you can earn rebates through Mastercard® Easy Savings |
Ramp Credit Card: Overall Best Business Credit Card With No Personal Guarantee & High Credit Limit
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
Ramp Credit Card is a corporate charge card that lets you earn unlimited 1.5% cash back on your purchases. It charges $0 annual and foreign transaction fees, helping you save on credit costs. You can get up to 20x higher credit limits compared to most other business credit cards, making it an ideal option if you have bigger credit needs. Keep in mind that you need to pay your balance in full each billing cycle.
- Does not perform personal credit checks
- Offers unlimited virtual and physical cards at no additional cost
- Lets you access a robust expense management system and several useful features
- Those who can deposit at least $25,000 in cash in any United States business bank account linked to Ramp
- Registered businesses—corporations, LLCs, or LPs
Coast Fuel Card: Best for Fuel Expenses With Customizable Controls & Fee Savings
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why We Like It
While it is primarily designed for businesses with small to large fleets and those with significant fuel expenses, the Coast Fuel Card can also be used at other merchants that accept Visa. You can earn up to 10 cents per gallon over 30,000 gas stations nationwide, and 1% cash back on non-fuel purchases. Also, it charges $0 annual fees—you’ll only need to pay $4 per active user, per month.
- Lets you access an easy-to-use spend management dashboard
- Provides customizable controls, letting you set spending limits on employee cards, limit the number of transactions or total spending by day, week, or month, and set a requirement to provide odometer readings
- Registered businesses (corporations, LLCs, and partnerships) that have fleets or substantial fuel expenses
- Those who prefer to use a fuel card that is universally accepted at other merchants
Rho Card: Best for Daily or Monthly Credit Terms With Exclusive Partner Rewards
 Rho Card | |
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Qualifications | Terms |
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Costs | |
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Why We Like It
With Rho Card, you can choose either daily or monthly credit terms, offering the flexibility you need depending on your cash flow. It charges $0 annual and subscription fees while letting you earn cash rewards on purchases as a statement credit. You can also enjoy over $600,000 in exclusive partner perks (partners include Slack, Amazon, Stripe, Gusto, and more). Note, however, that cash reward rates are not disclosed.
- Lets you access a seamless platform that features expense management tools to streamline reimbursements, approval workflows, and expense reporting
- Offers higher, scalable credit limits that increase as your company grows
- Incorporated businesses based in the United States
- Those who want to choose between daily or monthly payment terms
Mercury IO Mastercard®: Best for Business Owners Who Prefer an Online-only Bank
Mercury IO Mastercard®
- 1.5% cash back on all settled transactions
Pros
- No personal guarantee required
- Unlimited rewards on paid transactions
- Helps build business credit
Cons
- No introductory rewards/welcome offer
- $25,000 is required in a Mercury account
- Doesn’t support cash deposits
- No personal credit check needed
- 1.5% cashback for all settled transactions
- Free employee cards
- 1.5% cash back on all settled transactions
Pros
- No personal guarantee required
- Unlimited rewards on paid transactions
- Helps build business credit
Cons
- No introductory rewards/welcome offer
- $25,000 is required in a Mercury account
- Doesn’t support cash deposits
- No personal credit check needed
- 1.5% cashback for all settled transactions
- Free employee cards
Why We Like It
Mercury IO Mastercard®, issued by an online-only bank, is a business charge card ideal for businesses that don’t have to deal with cash transactions frequently. With this card, you can save on cost—it charges $0 annual, monthly, and overdraft fees, as well as $0 fees for sending and receiving ACH, checks, domestic wires, and international wires. Moreover, it lets you earn unlimited 1.5% cash back on all spending.
- Does not require a personal credit check as part of the application process
- Allows accounting software integration with QuickBooks Online, Xero, and NetSuite and can automatically sync your transactions to both tools
- Offers robust controls—you can set custom spending limits and issue cards for different purposes
- Businesses that don’t deal with cash frequently because the bank has no brick-and-mortar branches
- Business owners who are willing to open a Mercury deposit account and maintain at least a $25,000 balance (this is an eligibility requirement)
Sam’s Club® Business Mastercard®: Best for Small Businesses With Recurring Big-box Store Purchases
Sam’s Club® Business Mastercard®
BEST FOR:
5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 5% cash back on eligible gas purchases worldwide for the first $6,000 spent annually. After reaching the cap, you’ll earn 1% cash back.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- Scan & Go™: Skip the checkout lines by using the Sam’s Club Scan & Go app. Simply scan the items with your phone as you shop and pay directly in the app using your Sam’s Club® Business Mastercard®.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 5% cash back on eligible gas purchases worldwide for the first $6,000 spent annually. After reaching the cap, you’ll earn 1% cash back.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- Scan & Go™: Skip the checkout lines by using the Sam’s Club Scan & Go app. Simply scan the items with your phone as you shop and pay directly in the app using your Sam’s Club® Business Mastercard®.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
Why We Like It
Sam’s Club® Business Mastercard® is great for those with frequent big-box store purchases. It charges $0 monthly or annual fees; however, you need an active Sam’s Club membership, priced at $50 or $110 per year. It lets you earn rewards on your purchases, as follows:
- 5% cash back on eligible gas and electric vehicle (EV) charging stations anywhere for the first $6,000 spent per year, then 1% if the cap is met
- 3% cash back on Sam’s Club purchases with Plus membership (1% cash back for Club members only) and dining and takeout
- 1% cash back on other purchases
- Gives you a $30 statement credit after opening a new account and making at least a $30 purchase within 30 days of account opening
- Lets you purchase thousands of items from the site (even if you don’t live near one of 600 Sam’s Club® locations in the US and Puerto Rico)
- Offers additional cash rewards, free shipping, and free curbside pickup if you get a Plus membership for only $110 a year
- Those who are willing to pay for Sam’s Club membership
- Businesses that have been in operation for over two years, have more than $5 million in annual revenue, and have over 10 employees You can still apply for the card without these requirements, but a personal guarantee is necessary for card approval.
BILL Divvy Card: Best for High Rewards Rate & Three Payment Frequencies
 BILL Divvy Card | |
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Qualifications | Terms |
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Why We Like It
BILL Divvy Card has $0 annual fees and provides three options for your payment terms—you can pay your bills in full either monthly, semi-monthly, or weekly. Your rewards rate will depend on how frequently you pay, as follows:
Weekly | Semi-monthly | Monthly |
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- Lets you redeem your rewards as cash back, travel, statement credit, and gift cards
- Provides access to a robust expense management software so you can track expenses and control your spending
- Seamlessly integrates with accounting software like QuickBooks, NetSuite, and Sage Intacct
- Small and midsize companies needing a $1,000 to $5 million credit limit
- Those who prefer either cash flow flexibility or maximized rewards earning potential
Charity Charge Nonprofit Business Card: Best for Exclusive Discounts for Nonprofit Organizations
Charity Charge Nonprofit Business Card
BEST FOR:
Nonprofits that want to receive exclusive vendor discounts and rebates
- While Charity Charge Nonprofit Business Card does not offer cash back or points rewards for its new and existing cardholders, it offers discounts and rebates through Mastercard® Easy Savings and CHAMPS GPO
Pros
- Does not charge annual fees
- Offers automatic rebates and discounts
Cons
- Balance is due in full each month
- Has strict eligibility requirements
- Does not have 0% introductory period
- First four months free for Microsoft 365: Get the first four months free after getting a one-year subscription to Office apps such as Word, PowerPoint, and Excel.
- No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
- Employee cards: You can order as many employee cards on your original application or after your account is established. You can also adjust individual cards and set temporary limit adjustments in real time.
- While Charity Charge Nonprofit Business Card does not offer cash back or points rewards for its new and existing cardholders, it offers discounts and rebates through Mastercard® Easy Savings and CHAMPS GPO
Pros
- Does not charge annual fees
- Offers automatic rebates and discounts
Cons
- Balance is due in full each month
- Has strict eligibility requirements
- Does not have 0% introductory period
- First four months free for Microsoft 365: Get the first four months free after getting a one-year subscription to Office apps such as Word, PowerPoint, and Excel.
- No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
- Employee cards: You can order as many employee cards on your original application or after your account is established. You can also adjust individual cards and set temporary limit adjustments in real time.
Why We Like It
Charity Charge Nonprofit Business Card lets you enjoy exclusive 10% to 20% discounts on various spending categories—including office supplies, medical supplies, shipping, and transportation—when you use CHAMPS Group Purchasing to manage pricing with your preferred vendors. On top of that, you can earn automatic rebates at selected merchants from Mastercard® Easy Savings. Note that since this is a charge card, your balance is due in full each month.
- Provides access to an online account management platform to set card limits for each employee and pause or cancel the card
- Helps build credit history for nonprofit organizations
- Issues unlimited cards with adjustable credit limits
- Nonprofit organizations that are in operation for five years with $100,000 in annual revenue or for two years in operation with $500,000 in annual revenue
How We Selected the Best Business Credit Cards With No Personal Guarantee
We looked at fees, ease of application, and any rewards or benefits to determine the best business credit cards with no personal guarantee. We also considered the versatility of where the card could be used. Note that traditional business credit cards typically require a personal guarantee, that’s why our recommended business cards with no personal guarantee only include store cards and charge cards.
Frequently Asked Questions (FAQs)
Credit card issuers are protected from the risk of unpaid debt by personal guarantees. A personal guarantee transfers that risk to the business owner directly, which is why nearly all business credit cards require a personal guarantee.
Lenders and credit card issuers need assurance that someone will be liable to pay the business debt even if the business fails. If your business defaults on payments, a personal guarantee means that the issuer can attempt to collect the debt directly from you.
As a business owner, you can limit your personal risk by using a no-personal-guarantee credit card if your business meets the size and revenue requirements. You also have the option to use a business charge card, business debit, or prepaid card if you want to avoid a personal guarantee. These cards are much less likely to have restrictions on who qualifies for the card.
You will need to show the issuing bank that your business is stable, can produce consistent earnings, has a significant cash flow, and has a flawless payment history. Some of the specific measures that you can take to remove a personal guarantee from your business credit card are as follows:
- Getting and maintaining several credit cards with personal guarantees: Showing the issuing bank that you have other credit cards that you maintain and pay promptly will help increase your chances of removing personal guarantee from your next business credit card.
- Applying for third-party guaranteed lending: Third-party guarantees, such as SBA loans, can help improve your business credit scores.
Here are a few tips a small business owner can follow to reduce exposure to unpaid debt and personal liability:
- Make payments on time: Making prompt payments is crucial to avoid negative reporting on your personal credit. For charge cards where payments are withdrawn from your account automatically when the bill is due, ensure you have enough funds to cover the balance.
- Spend responsibly: Overspending increases the possibility that you’ll be unable to make your payments in full or on time. See to it you only charge expenses that you can afford to pay back right away.
- Manage employee spending: Most business credit cards offer online account management tools that you can use to apply spending controls and limits on employee cards. Limit the number of cards to only necessary users, and review employee card usage constantly.
A business credit card without a personal guarantee ensures that business owners are not personally liable for any debts incurred by their business. However, business credit cards with no personal guarantee offer limited perks and rewards.
Bottom Line
Business credit cards with no personal guarantee are the right option if you don’t want the issuer to go after your personal assets in case you’re unable to pay your debts. However, your business assets may be seized if you fail to make payments on your card. As with any credit card, it’s important to use the card responsibly and stay in line with your budget.
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