Best Business Credit Cards With No Personal Guarantee [2024]

A business credit card that requires no personal guarantee won’t hold you personally liable if you can’t pay off your debt. This could be helpful if you don’t want to risk your personal assets, such as your house or car, when using a credit card for your business.

My favorite business credit cards with no personal guarantee include the Ramp Card and the Brex Credit Card. Explore all of the cards on our list and see how they compare to find a card that makes sense for you.

The best business credit cards with no personal guarantee

• Ramp Card
• Brex Credit Card
• Sam’s Club^® Business Mastercard^®
• SVB Innovator Card

Comparison of the best business credit cards with no personal guarantee

Ramp Card

I think the Ramp card would be a good fit for businesses and startups that are ready to scale but still could use some digital support for managing their spend.

There’s no hard credit check when you apply for the Ramp Card. As a bonus, the Ramp Card includes 5-in-1 software for organizing your corporate cards, expenses, bill payments, accounting, and reporting.

However, there’s typically no welcome offer for new Ramp Card members. You also need an incorporated business, LLC or LP to qualify.

Learn more about the Ramp card.

Brex Credit Card

The Brex Card has no personal guarantee or personal credit check requirements to apply. You can also take advantage of the Brex Card’s welcome offer: Earn 10,000 points for spending your first $3,000 in the first 3 months, and an additional 20,000 if you link payroll to your Brex account, for a total 30,000 points.

Even better, you get a hefty spending limit that’s based on your business financials, not your credit score, and it’s available for newly created businesses. Plus, Brex gives you granular control over your business’s spending.

This card would be a good fit for already-incorporated startups that have at least $50,000 in funding.

Learn more in our Brex Credit Card review.

Sam’s Club^® Business Mastercard^®

A personal guarantee isn’t required for the Sam’s Club Business Mastercard, but there’s an option to include a personal guarantee on the small business credit card application. The form indicates that you’ll likely want to include the personal guarantee if:

• Your business has less than $5 million in annual sales or revenues
• Your business is less than two years old
• Your business has fewer than 10 employees
• Your business is a partnership or proprietorship

I think this card could be a great fit for businesses that need to stock a lot of supplies they can buy at Sam’s Club, since you can earn 3% back on Sam’s Club purchases for Plus members (club members earn 1%), and dining and takeout. You also earn 5% on gas anywhere (on first $6,000 per year, then 1%).

However, other purchases earn just 1% cash back, so you may want to pair this card with another for boosting your rewards outside of dining and Sam’s Club shopping.

Learn more about the Sam’s Club Business Mastercard.

SVB Innovator Card

The SVB Innovator Card offers unlimited rewards for business spending and requires no personal guarantee. It also lets you earn access to higher credit limits as you scale your business. Since Silicon Valley Bank is now a division of First Citizens Bank, with the backing of that institution’s $220 billion in assets, its 2023 collapse can be relegated to the rearview mirror.

Just be aware that the Innovator card is still subject to underwriting and credit considerations, even though you’ll have no personal liability. If you choose the charge card version of this card, I recommend being 100% confident that your business can pay its balance off every month before signing up; otherwise, choose the revolving credit version instead.

Learn more about the SVB Innovator Card.

Alternative business credit cards to consider

If you can’t qualify for a business card with no personal guarantee or it’s not the right fit for you, consider these alternatives:

Secured business credit cards

Secured business cards often have more favorable requirements to qualify, meaning you might not need a good credit score to be approved.

These cards typically require a security deposit that establishes your credit line. Some secured business cards might allow you to upgrade to unsecured cards through responsible card usage, such as making on-time payments.

Some secured business credit cards to consider include:

• Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® Secured credit card
• First National Bank of Omaha Business Edition Secured Mastercard Credit Card
• Valley Visa Secured Business Credit Card

Business credit cards for bad credit

If you want a business card without a personal guarantee because you don’t have a good personal credit score, consider a business credit card for bad credit. These cards don’t have high credit score requirements, which could make it easier for you to get approved.

One example is the Capital One Spark Classic for Business, which helps you earn 1% unlimited cash back on every purchase for your business, plus 5% cash back on hotels and rental cars booked through Capital One Travel. This business credit card has a $0 annual fee.

FAQs

Bottom line

We recommend the Ramp Card as one of the best business credit cards with no personal guarantee because it has a simple rewards rate that can work for most businesses. It also provides free software to help organize your business finances.

But in general, there are more rewarding business credit cards available. The downside is that they could require a personal guarantee. If you don’t mind including a personal guarantee, check out our recommendations for the best business credit cards.

Up to 5% Cash Back

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

Apply Now

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

Annual Fee

$0

Rewards Rate

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections

Drawbacks

• Bonus rewards capped after $25,000 annual spend in each category
• No bonus rewards for travel or advertising purchases
• Foreign transaction fee of 3% of each transaction in U.S. dollars

Card Details

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC