As a business owner, separating personal and business finances is crucial. One way to do this is by getting a Business Credit Cards with No Personal Guarantee. These specialized credit cards limit your liability and protect your personal credit score. In this guide, we’ll explore what they are, how they work, their pros and cons, and the best options available in 2025.
✅ What is a Business Credit Card with No Personal Guarantee?
A business credit card with no personal guarantee means the card issuer will not require you (the business owner) to be personally liable for the credit card debt. Instead, the business entity itself is responsible for repayment.
Key Differences from Traditional Business Credit Cards:
| Feature | Traditional Business Credit Card | No Personal Guarantee Card |
|---|---|---|
| Personal Liability | Yes | No |
| Credit Check | Often required | Sometimes bypassed |
| Risk to Personal Credit | High | Low to None |
| Approval Process | Based on personal credit | Based on business credit/revenue |
💡 Why Choose a No Personal Guarantee Card?
Here are the main benefits of choosing a card without a personal guarantee:
1. Personal Asset Protection
Your personal assets (like your home or savings) aren’t at risk if your business defaults on the card.
2. Builds Business Credit
These cards help you establish and build a credit history under your business’s name alone.
3. Reduced Risk to Personal Credit Score
If your business hits a rough patch, your personal credit won’t take a hit because the liability is on the business.
⚠️ Drawbacks to Consider
While these cards offer protection, they also come with some limitations:
| Drawback | Explanation |
|---|---|
| Harder to Qualify | Your business must usually be well-established with good revenue or business credit history. |
| Lower Credit Limits | May offer smaller limits compared to traditional cards. |
| Fewer Perks | Some cards with no PG may have fewer rewards or benefits. |
| No PG Doesn’t Mean No Liability | Your business is still fully liable. |
📝 Who Can Qualify?
To qualify for a no personal guarantee business credit card, your business typically needs to meet the following criteria:
- Incorporated (LLC, S-Corp, C-Corp)
- In operation for 1+ years
- Strong business credit score (typically 80+ on the PAYDEX scale)
- Proven annual revenue (often $1M+)
- Positive cash flow and low existing debt
💡 Tip: If you’re a startup or sole proprietor, you may have trouble qualifying. In that case, consider business-secured credit cards or building your business credit first.
🔍 Top Business Credit Cards with No Personal Guarantee (2025)
Here’s a curated list of some of the best business credit cards with no PG available in 2025:
1. Brex Card for Startups
| Feature | Details |
|---|---|
| Personal Guarantee | ❌ Not required |
| Annual Fee | $0 |
| Requirements | Funded startup or $50K+ in the bank |
| Rewards | 8x on rideshare, 5x on travel, 3x on restaurants |
| Credit Check | No personal credit check |
Best For: Tech startups and high-growth companies.
2. Ramp Corporate Card
| Feature | Details |
|---|---|
| Personal Guarantee | ❌ Not required |
| Annual Fee | $0 |
| Requirements | LLC or Corporation, $75K+ in the bank |
| Rewards | 1.5% cash back on all purchases |
| Credit Check | No personal credit check |
Best For: Businesses looking to automate expense management.
3. Stripe Corporate Card
| Feature | Details |
|---|---|
| Personal Guarantee | ❌ Not required |
| Annual Fee | $0 |
| Requirements | Stripe account with strong revenue |
| Rewards | 2% back on top categories |
| Credit Check | None |
Best For: Online businesses using Stripe for payment processing.
4. Divvy Business Card
| Feature | Details |
|---|---|
| Personal Guarantee | ❌ Not required |
| Annual Fee | $0 |
| Requirements | Revenue verification |
| Rewards | Up to 7x on restaurants, 5x on hotels |
| Credit Check | Soft pull only |
Best For: Businesses that want budget management tools.
5. Torpago Corporate Card
| Feature | Details |
|---|---|
| Personal Guarantee | ❌ Not required |
| Annual Fee | $0 |
| Requirements | Revenue and banking data |
| Rewards | Up to 1.5% cash back |
| Credit Check | No personal credit check |
Best For: Mid-size businesses and growing teams.
🛠️ How to Increase Your Approval Odds
Getting approved for a no PG card requires preparation. Here are key steps to improve your chances:
✅ Build Business Credit
- Register your business with D-U-N-S number
- Open trade lines with vendors who report to business bureaus
- Pay bills on time to improve your PAYDEX score
✅ Maintain Strong Business Financials
- Have clear profit & loss statements
- Keep low debt-to-income ratio
- Show consistent monthly cash flow
✅ Be Incorporated
Most issuers require you to operate as an LLC, S-corp, or C-corp — not a sole proprietor.
📊 Comparison Table: Top No PG Business Cards (2025)
| Card Name | Annual Fee | Rewards | PG Required | Credit Check | Best For |
|---|---|---|---|---|---|
| Brex | $0 | 8x rideshare, 5x travel | ❌ No | No | Startups |
| Ramp | $0 | 1.5% cash back | ❌ No | No | Expense automation |
| Stripe | $0 | 2% top categories | ❌ No | No | Stripe users |
| Divvy | $0 | Up to 7x on dining | ❌ No | Soft pull | Budget tracking |
| Torpago | $0 | Up to 1.5% cash back | ❌ No | No | Growing businesses |
📚 Frequently Asked Questions (FAQs)
1. Are these cards available to sole proprietors?
Mostly no. Most no personal guarantee cards require you to have an incorporated business structure like an LLC or corporation.
2. Do these cards build business credit?
Yes, all reputable no PG cards report to business credit bureaus like Dun & Bradstreet, Experian Business, or Equifax Business.
3. Will these affect my personal credit?
No — unless you default and the issuer has a clause to recover through other legal means. But in normal usage, your personal credit is not touched.
4. Can I get one without revenue?
Unlikely. Most no PG cards require some demonstrated income or funding. Brex, for example, may approve funded startups, but not revenue-less entities.
📌 Final Thoughts
Business credit cards with no personal guarantee are excellent tools for established businesses aiming to protect the owner’s personal finances. They offer corporate-level features, cash flow flexibility, and rewards — all without risking your personal credit.
However, they aren’t for everyone. Startups or small businesses without strong revenue may struggle to qualify. In those cases, secured business cards or traditional business cards may be stepping stones until you can access no-PG options.