Business credit cards that do not report to personal credit

Best for Well-Funded Startups

Brex 30 Card

Up to 10-20X Reward Rate

Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, likeRead More

Welcome Bonus

50,000 points

Credit Score

No Credit Check

Why We Picked It

Unlike most business credit cards, this corporate card doesn't require a personal guarantee.

Pros & Cons

• Generous rewards on certain spending categories
• No personal guarantee required

• Can’t carry a balance

Card Details

• 50,000 signup bonus points after spending $9,000+ in the first 30 days
• Brex offers a corporate credit card designed to help companies boost their spending power and grow faster
• Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7x on rideshare and 2x on recurring software
• Build business credit from day one with a card that’s automatically paid monthly
• No credit check, no personal guarantee, no account fees, and no interest
• Save time and money with automatic receipt-matching and built-in expense management tools to help you gain detailed insights on your spend
• Issue unlimited virtual cards to your team, and set custom limits on each card
• Close the books in record time with QuickBooks, Xero, NetSuite, Concur, and Expensify integrations
• To get approved for a Brex card with monthly payments, businesses need a linked bank balance of at least $50,000
• Brex Mastercard® issued by Emigrant Bank, Member FDIC. Brex Cash provided by Brex Treasury LLC, member FINRA and SIPC. Brex Treasury is not a bank; Brex Cash is not a bank account. Testimonials may not represent experiences of all clients. Terms apply, visit brex.com.

Best for Businesses Resupplying With Sam’s Club

Sam’s Club® Business MasterCard® *

Credit Score

Good/Excellent (700 - 749)

Best for Those Constantly Wondering Why the Printer Has No Paper

Office Depot® Business Credit Account *

No Rewards

The Office Depot® Business Credit Account does not offer rewards on purchases.

Regular APR

23.99% variable

Credit Score

Good/Excellent (700 - 749)

Card Details

• Save $50 on the first $150 purchase made within 60 days of account open date
• No annual fee
• Flexible payments
• Exclusive offers, plus sneak previews and special savings

Best for Stripe Users

The Stripe Corporate Card *

Credit Score

Good/Excellent (700 - 749)

Best for Bookkeeping Benefits

Ramp Business Card

No Rewards

The Ramp Business Card does not offer rewards on purchases.

Credit Score

Excellent Credit (750 - 850)

Pros & Cons

• No annual fee
• Earns 1.5% cash back on all spending
• Included software identifies redundancies in spending

• Sole proprietors are not eligible to apply
• As a charge card, you can’t carry a balance
• No travel or lifestyle perks

Card Details

• 5-in-1 platform. Corporate cards, expense management, bill payments, accounting integrations, and real-time reporting in one free and easy to use solution
• Controls at scale. The only credit card that allows you to control spend at the merchant, category, and spend level
• Cash back. You’ll earn a flat 1.5% percent cash back on all purchases, with no limits or restrictions.
• Ramp savings. Administrators of the account can access a section that illustrates the company’s long-term spending over time, while identifying areas the company can save. This is one of the major selling points of the card and currently unique to the Ramp Card. In addition to tracking spending, Ramp claims the dashboard can identify redundant business subscriptions, better SaaS pricing options and other savings tailored to the company, leading to up to 2 percent in savings.
• No fees. There are no annual fees, interest rates, or foreign transaction fees associated with the Ramp Card.
• Free employee cards. Ramp is offering unlimited virtual with support for Apple and Google Pay, as well as custom-branded physical employee cards at no additional cost.
• Visa benefits. This includes zero liability and fraud protection.
• Free bill pay. Streamline your bill payments with AP automation, approvals and accounting.
• Free accounting automation. Automated expense accounting is directly compatible with QuickBooks, Xero, Sage, NetSuite and more.
• Realtime reporting and integrations. Receive automatic reporting on every dollar spent. You can also streamline work items, including approvals and accounting.
• Credit limit. Ramp advertises a larger than average credit limit for businesses.
• No founder liability. If your company becomes insolvent, the cardholder isn’t personally liable for the remaining debt on the credit card.

Methodology

The best business credit cards without a personal guarantee requirement were chosen based on welcome bonuses, fees, rewards and other perks. That said, what is best for the majority of consumers might not be right for you. Make sure you do the research before deciding which card will align best with your spending patterns and financial goals.

Best Business Credit Cards Without a Personal Guarantee Requirement

How to Pick a Business Credit Card Without a Personal Guarantee Requirement

Finding the best credit card for your business’ needs can be overwhelming. Before applying, carefully consider your options. Here are some points to consider to ask:

• Check for fees. Read the fine print. Make sure to check for fees hidden in the fine print. Some companies charge application fees or annual fees and some even charge monthly maintenance fees. The cards on this list are mostly free of fees which is a big part of why we rated them highly.
• If looking for a card without a personal guarantee requirement because of bad credit, consider rebuilding your personal consumer credit first. It often makes more sense to work on improving credit before applying for a business credit card. More (and better) personal secured card options exist for building credit. Consider the best business credit cards after building credit and earn better rewards and score better perks.
• Analyze rewards and the cost of benefits. Shiny perks and high rewards rates are attractive, but will your business actually use or earn them? If you don’t need office supplies, a card that primarily rewards office supply purchases doesn’t make sense. If you don’t travel, you probably don’t need travel benefits. Don’t take on more risk than you need simply because having the benefits “if you ever need them” (when you likely won’t) sounds nice.

A business credit card without a personal guarantee requirement sounds great, but you’ll be more likely to find a wider variety of options if you do provide a personal guarantee. Check out our list of the best business credit cards.

Frequently Asked Questions

What is the best business credit card without a personal guarantee requirement?

Which credit card or cards will work for your business will depend on your business’ needs. There’s no one best card for every business, and the same holds true with the cards not requiring a personal guarantee. Which card meets the needs of and best suits your business is up to you and how you run your business—we can’t give you a one-size-fits-all answer.

What is a personal guarantee?

For many applications—especially those where proper business registration has occurred—business assets and liability are separated from a business owner’s personal assets and liability. This helps business owners protect personal property when a business fails. When a business owner gives a personal guarantee to a credit card issuer or other lender, he or she is agreeing that his or her personal assets and credit are open to collections in the event he or she can’t or doesn’t pay the business’ bill.

Does a business credit card usually require a personal credit check?

Yes. Except for businesses easily showing sufficient collateral in the forms of assets or sufficient revenue and sales numbers, it’s difficult to receive approval for a small business credit card without a personal guarantee, which will likely involve a personal credit check.

Can my new business qualify for a business credit card without a personal guarantee requirement?

It depends. Each lender will evaluate your specific circumstances to decide if it will want to take on the risk of lending to you. Generally speaking, a brand new business without any major assets or revenue to show will more than likely be considered high risk and will not qualify for most cards without a personal guarantee from an owner.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Which business credit cards do not show up on personal credit?

Do Business Cards report on personal credit?

Do business credit cards go off your personal credit?

Does Capital One business cards report to personal credit?