Introduction

A business credit card with no personal guarantee can be a valuable financial tool for entrepreneurs and small business owners. These credit cards allow businesses to make purchases and manage expenses without requiring the cardholder to provide a personal guarantee, reducing personal liability. Here, we’ve compiled a list of four of the best business credit cards with no personal guarantee to help you make an informed decision.

1. Brex Corporate Card

The Brex Corporate Card is specifically designed for startups and emerging companies. Brex does not require a personal guarantee, relying instead on your business’s cash balance and financial health. This card offers numerous rewards tailored to cater to startup needs, such as 8x points on rideshare services, 4x points on travel, and 2x points on recurring software expenses. Additionally, there are no annual fees or foreign transaction fees.

2. Stripe Corporate Card

The Stripe Corporate Card is another excellent option for startups and online businesses. Like Brex, it does not require a personal guarantee; approval is based on your company’s revenue and cash balance. The Stripe Corporate Card offers uncapped 1% cashback on all purchases, which is automatically applied as statement credit every month. Plus, cardholders benefit from exclusive discounts with partner companies such as Google Ads, AWS, Zendesk, and more.

3. American Express Blue Business Cash™ Card

For more established businesses that want a straightforward cashback option without a personal guarantee, consider the American Express Blue Business Cash™ Card. Qualifying businesses can apply without a personal guarantee depending on their creditworthiness and financial history with American Express (AMEX). The card offers 2% cash back on all eligible purchases up to $50,000 per calendar year and 1% cash back thereafter. No annual fee applies.

4. Divvy Business Credit Card

Divvy Business Credit Card is a corporate card that aims to simplify expense management and budgeting. While Divvy may require a personal guarantee for some companies, businesses with strong credit profiles can often qualify without one. This card offers customizable rewards, allowing you to earn up to 7x points in specific categories such as travel, dining, and software subscriptions. Divvy also features a free expense management platform that integrates with popular accounting software programs.

Conclusion

Each of these four business credit cards offers unique advantages for businesses seeking options without a personal guarantee. Considering factors such as your company’s size, spending habits, and creditworthiness can help you determine which card is the best fit for your needs. When used responsibly, the right business credit card can be an advantageous financial tool for managing expenses and growing your company.