Best Business Credit Cards With No Personal Guarantee Requirement

You’ll earn 1.5% back across the board on all purchases made with your Ramp card. Rewards are redeemable in the form of a statement credit.

You’ll also gain access to $175,000 in exclusive Ramp partner rewards with services like Slack and Amazon Web Services, bill payment, a savings insight tool that helps companies cut costs and limit unnecessary spending, and many integrations with other business apps.

The Ramp card is a charge card, which normally means you can’t carry a balance. However, with Ramp Flex, you can use financing to repay a bill in 30, 60, or 90 days.

What’s more, Ramp now offers two paid service plans that offer additional features (on top of Ramp’s free features):

• Ramp Plus: Offers custom controls, advanced user roles, unlimited customizable workflows, procurement automation, purchase order management, advanced ERP integrations, and international support.
• Ramp Enterprise: Offers all Ramp Plus features along with custom implementation, enterprise ERP integrations, local card issuance, and premium customer support.

With Ramp’s standard subscription plan, you’ll pay no fees whatsoever. There are no annual fees, late fees, foreign transaction fees, etc. The only fees a standard Ramp customer will ever face are those associated with Ramp Flex financing, which is an optional service.

If you opt for Ramp Plus instead, you’ll pay $12/user/month. As for Ramp Enterprise, pricing for that is quote-based.

Ramp aims its corporate card at corporations registered in the US. While you won’t have to offer a personal guarantee to Ramp, the company will examine your company’s cash balance, cash flow, and other indicators of its financial health.

Companies using Ramp are also required to have at least $75,000 in the bank.

Use the Stripe corporate card, and you’ll earn a flat, unlimited 1.5% cash back on every business purchase. Your rewards balance will be automatically credited to your balance each month.

With a few notable exceptions, Stripe Corporate does not offer any higher tiers of earning on specified categories, such as travel or dining. Stripe also does not offer additional redemption options, such as airfare points or gift cards.

Additional special offers are available to Stripe Corporate customers from about 20 partner companies. These include discounts and credits, such as 25% off an annual Slack subscription, three months free with Gusto and Guideline, and $5,000 in AWS credits.

You can also earn a higher rewards rate on spending with select partners, such as 5% cash back on purchases with Kasa and Snap or 50% cash back on 1Password spending.

Limits apply to the amount of spending that will earn you cash back at these rates.

Stripe’s corporate card comes with no fees whatsoever — no annual fees, no late fees, and no foreign transaction fees.

Of course, there’s no APR to worry about, as Stripe’s card is a charge card — you can’t carry a monthly balance.

Stripe Corporate is for US-based businesses that use Stripe for payment processing. Stripe makes eligibility decisions based on your payment volume, your history on Stripe, and your bank account history. There are no credit score requirements.

Want to apply for the Stripe Corporate card? You’ll need to request an invitation and then reply to the email you’ll receive. The Stripe Corporate Card is still invite-only in the US.

Unfortunately, Revenued no longer offers cash back for your business spending.

While this hurts Revenued’s overall value proposition, it remains a decent financing option for businesses that a) have poor credit and b) don’t qualify for a competing corporate credit card option.

Revenued charges a fixed factor rate that varies between 1.1 and 1.5. Your particular factor rate will depend on your business history, revenue history, bank balance, and other variables.

The Revenued card costs more to use than most of the business credit cards listed here. However, it’s more accessible than many other no PG card options.

The card also carries no annual fee.

Though Revenued doesn’t have any credit score or personal guarantee requirements, its eligibility requirements will prevent brand-new startups and businesses without significant monthly revenue from qualifying.

Here is Revenued’s list of eligibility requirements:

• Your business must be US-based
• You must have 6+ months of business history
• You must have a business bank account and maintain a positive account balance (an average daily balance of $1K+ is preferred)
• You must maintain a monthly revenue of $10K+

You’ll receive a discount of 2 cents per gallon of fuel purchased with the Coast card, plus 1% cash back on all non-fuel purchases. You’ll also get access to a number of Coast partner benefits, such as a 10% discount on maintenance and oil changes at Jiffy Lube and a 30% discount on QuickBooks products for 6 months.

You’ll also get an additional 2-cent-per-gallon discount (for a total discount of 4 cents/gallon) at the following gas station chains:

• RaceTrac
• Casey’s
• Cumberland Farms
• Turkey Hill
• Minit Mart
• Loaf ‘N Jug
• Kwik Shop
• Tom Thumb
• Quik Stop
• Certified Oil
• Fastrac
• Sprint

Coast charges a fee of $4 per active card per month. This fee is charged only to cards that have a completed transaction during the billing period.

Coast is available for US-based businesses that operate fleets of vehicles. There is no minimum or maximum number of vehicles, but qualifying businesses need to be structured as partnerships, corporations, or LLCs. Sole proprietorships are not eligible.

The Brex card features a rewards scheme with 8x points for ridesharing apps and taxis, 5x on travel, 4x at restaurants, 3x on Apple products, 3x on recurring software subscriptions (or 1.5x on advertising purchases), and 1x on everything else.

To earn points at these rates, you’ll need to pay off your Brex card daily and use Brex as your only corporate card. If you pay monthly, your rewards rate will be 1x lower for each category (7x on rideshares, 4x on travel, etc.). And if you don’t qualify for the exclusive program, you’ll just earn an unlimited 1 point per dollar spent.

Additional reward options are available for life science companies and certain businesses that seek custom flat-rate rewards.

Use your points to pay for travel expenses, redeem them for gift cards, or take them back in cold, hard cash. The Brex fintech platform also offers spend management, automated bill pay, partner rewards, a mobile app, and much more.

With a Brex Essentials account, you’ll be charged no fees whatsoever — no annual fees, late fees, ACH fees, or foreign transaction fees.

Brex now offers two additional subscription tiers: Premium and Enterprise. With Premium, you’ll pay $12/user/month and get such features as custom expense policies and custom procurement workflows.

With Enterprise, you’ll also get local cards/billing in 50+ countries and locally-funded payments in 40+ countries, among other features. Pricing for Enterprise is quote-based.

Though there are no personal guarantee or credit score requirements, Brex is available only for C-corps, S-corps, LLCs, or LLPs organized and registered in the US.

Additionally, to qualify for daily repayments, your business will need to meet at least one (not all) of the following requirements:

• Have received an equity investment (any amount) from an accelerator, angel investor, or VC firm (or you intend to in the near future)
• Earn more than $1 million/year in revenue
• Have more than 50 employees
• Be a tech startup that is en route to meeting one of the above conditions and is referred by a current Brex partner or customer

Qualifying for monthly repayments is even more difficult. See Brex’s requirements page for more details.

If you like Sam’s Club, this card’s rewards scheme can benefit your business:

• Earn 5% back in Sam’s Cash on your first $6,000 in fuel purchases annually (1% thereafter)
• Earn 3% back in Sam’s Cash on all Sam’s Club purchases (Sam’s Club Plus members only)
• Earn 3% back in Sam’s Cash on dining and takeout
• Earn 1% back in Sam’s Cash on all other purchases

Currently, you can also get a $30 welcome bonus after making $30 in Sam’s Club purchases on the card in your first 30 days.

The card itself carries no annual fee, but you need to be a Sam’s Club member to get it. A standard Sam’s Club membership costs $50/year, while a Sam’s Club Plus membership (which, among other things, gets you a higher rewards rate on card purchases at Sam’s Club) costs $110/year.

Unlike the other cards on this list, the Sam’s Club Business Mastercard is not a charge card — you can carry a monthly balance. Your variable APR will be either 20.90% or 28.90%, and the minimum interest charge is $2.

You’ll need a credit score of at least 700 to qualify for the Sam’s Club Business Mastercard.