In the world of business credit cards, finding one without a personal guarantee can be quite challenging. However, these types of cards do exist, and they offer some great benefits to entrepreneurs and small business owners. This article will discuss the top business credit cards that do not require a personal guarantee and their benefits.

1. Brex Corporate Card for Startups

The Brex Corporate Card is specifically designed for startups and offers a unique approach to business credit by basing your credit limit on your company’s funding, spending patterns, and overall financial health. With no personal guarantee required, this card offers a variety of rewards tailored for startups, including 7x points on rideshare services, 4x points on travel booked through Brex Travel, 2x points on recurring software expenses, and 1x points on all other purchases.

2. Ramp Corporate Card

The Ramp Corporate Card is another excellent option for businesses looking to avoid personal guarantees. This card focuses on helping businesses save money by identifying wasteful spending in real-time. There are no fees or interest charges, and the card offers 1.5% cashback on all purchases.

3. Stripe Corporate Card

Stripe’s Corporate Card offers businesses a seamless integration with the Stripe payment platform. This card requires no personal guarantee and has no annual fee. It also provides real-time expense tracking with integrations into popular accounting software such as QuickBooks and Xero.

4. Divvy Business Credit Card

Divvy is another company that offers a corporate credit card without a personal guarantee requirement. The Divvy Business Credit Card lets you decide how much credit to provide each employee while offering real-time visibility into your company’s spending habits. The platform also includes an easy-to-use expense management system.

5. Bento for Business Visa Debit Card

While technically not a credit card, the Bento for Business Visa Debit Card operates in a similar fashion by allowing businesses to allocate funds to employee cards. However, Bento is a prepaid card, meaning you can only spend the funds you preload onto the account. It does not require a personal guarantee since it does not provide a line of credit.

In conclusion, while finding a business credit card without a personal guarantee can be a challenge, several options are available for startups and small businesses. Remember to consider your business needs and financial situation as you explore these options to find the perfect fit for your company.