Business Credit Cards With No Personal Guarantee

What a personal guarantee means

A personal guarantee makes you personally liable if your business can't pay the card. Bank business cards from Chase, Amex, Capital One, Bank of America and U.S. Bank all require one, whether you're a sole proprietor, an LLC or a corporation. Corporate cards underwrite the business instead — its cash balance, revenue or financials — so the owner isn't on the hook.

Comparison table

The cards in detail

Ramp — best for funded companies with $25,000+

Ramp has no minimum revenue or time in business, but you need $25,000+ in any U.S. business bank account and operations mostly in the U.S. It's a charge card, so you pay in full each statement period. The card is free; Ramp Plus software is $15 per user per month if you want it. Foreign-currency purchases carry a 3% conversion fee.

Brex — best for venture-backed or high-revenue firms

Reported thresholds include a $50,000+ cash balance for venture-backed startups, $400,000+ in monthly revenue for mid-market companies, or $1 million+ in annual revenue for commercial businesses. Some sources describe the self-funded bar as $1 million. You choose daily payment, where your limit equals your cash balance, or monthly payment based on cash flow. No annual fee, but an FX markup of up to 3% may apply.

BILL Divvy — most accessible on paper

No annual, per-card or monthly fees and no published minimums. BILL reviews your business financials and offers credit lines from $1,000 to $15 million. It only pulls a soft inquiry on the owner and reports to SBFE, so it builds business credit without touching your personal file. Points need a 12-month hold before redemption.

Mercury IO — for Mercury banking customers

New customers pay daily; 30-day terms open up at a $15,000+ Mercury balance. Since October 2025, smaller companies get broader day-one access and can link external bank accounts to raise limits. Mercury says the card "should not impact individual credit scores" of you or your team.

Who doesn't qualify — and what to do instead

• Sole proprietors: Ramp and Brex exclude you. Use a bank card and accept the guarantee. See cards for LLCs and sole proprietors.
• New businesses with little cash: Start with a no-fee bank card with a 0% intro APR. See startup business cards.
• Owners worried about personal credit: Chase, Amex, Bank of America and U.S. Bank report only serious delinquencies to personal bureaus, which limits day-to-day impact even with a guarantee. See business card vs. personal card.

How to get closer to qualifying

1. Register an entity. Form an LLC or corporation; Ramp and Brex don't accept sole proprietors.
2. Get an EIN. Brex requires one.
3. Open a business bank account and build the balance. Ramp's bar is $25,000; Mercury opens 30-day terms at $15,000 held with Mercury.
4. Build a business credit file. A free D-U-N-S number and on-time vendor payments give underwriters like BILL more to review.

Until you're there, a bank card with a personal guarantee is the practical option — just pay it in full and keep balances manageable.

Which bank card if you must sign a guarantee?

Pick one that reports only negative information to personal bureaus, so day-to-day balances stay off your personal file. Chase, Amex, Bank of America and U.S. Bank all work this way; the Chase Ink Business Unlimited and Amex Blue Business Cash are simple no-fee choices. Avoid most Capital One Spark cards if you run high balances, since they report full activity.

Trade-offs to know

Corporate cards are charge cards or short-term credit, so you can't carry a balance the way you can on a bank credit card with a 0% intro APR. Rewards can be lower or come with conditions. In return you get spend controls and no personal liability. Compare features in employee expense cards, and see the business credit guide to build the file these issuers review. Requirements change, so confirm on each provider's site before applying.

Frequently Asked Questions