Best Business Credit Cards With No Personal Guarantee of April 2026
Business cards without a personal guarantee protect your individual assets. But these cards have tough qualifications. You may not be able to carry a balance or maximize rewards, either. Here are the best options.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
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What’s most important to you in a new business card?
1x-5x Earn 5x total points on Lyft rides through 9/30/27. Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn.
Points
Intro offer
100,000 Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
1%-5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Complimentary three-month lnstacart+ membership.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
2x-5x Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Miles
Intro offer
50,000 Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members
Cons
Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
2%-5% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
1x-7x Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
1%-5% Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer
Cons
Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
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Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Best business credit cards with no personal guarantee
Here are our complete picks, in alphabetical order:
BILL Divvy Corporate Card: Best for sole proprietors.
Brex Card: Best for venture-funded startups.
Charity Charge Nonprofit Business Credit Card: Best no-PG card for nonprofits.
Coast Fleet Card: Best fleet card with no personal guarantee.
IO Card: Best for startups seeking built-in banking services.
Ramp Card: Best overall business card with no personal guarantee.
Rho Corporate Card: Best for flexible qualification requirements.
Rippling Corporate Card: Best for HR software.
Sam’s Club Business Mastercard: Best wholesale club card with no personal guarantee.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business credit cards with no personal guarantee based on their independent research and ratings.
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
The Rippling Corporate Card is an expense management solution. But unlike operators in this space that focus on banking, like Rho and Mercury, Rippling's background is in HR software. If you're looking to better integrate spending with operations like payroll, Rippling might be a fit.
Just keep in mind that you must subscribe to Rippling Spend to use corporate cards. That software may carry a monthly cost, though. That makes Rippling a potentially expensive route to getting a card with no personal guarantee.
Pays up to 1.75% cash back with minimum spending and rewards do not expire.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional business credit cards.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Provides customers with $0 booking fees on Rippling Travel.
Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
Supports direct integrations with accounting and ERP tools and card-level spending controls.
Does not require a personal guarantee or credit check.
Ramp Card
Best overall business card with no personal guarantee
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
The Ramp Card is easier to obtain than other business cards available without a personal guarantee. You don’t need professional funding, for example, or several million dollars in annual revenue.
But the cash-on-hand requirements are still steep. You need at least $25,000 in a business bank account to qualify. If you can meet Ramp’s requirements, you’ll get cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee.
Ramp is a charge card, so you can’t carry a balance. Instead, anything you charge is automatically debited from your business account on the same day each month.
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
1x-7xEarn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
10,000Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
The Brex Card offers a welcome bonus and a generous, but complicated, rewards structure. Brex cards come in two varieties: paid daily or paid monthly. There’s no option to carry a balance.
The Brex Card comes with a linked Brex business account. To qualify for monthly payments, you need professional investors and a business account balance of at least $50,000 ($1 million if you're self-funded).
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
The BILL Divvy Corporate Card is the rare corporate card with no personal guarantee available to sole proprietors. You may also be able to qualify with just $20,000 in a business bank account. Most corporate cards require a formal business structure and bigger balances.
This card’s rewards rates are high, but tricky to navigate. It’s more attractive for its availability to smaller businesses and its spend management tools.
Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
No annual fee or foreign transaction fees.
Unlimited free virtual cards.
Spend management platform allows business owners to easily set and adjust individual and team budgets.
Must use Rho's checking account and make daily repayments to get the highest rewards rate
Rewards expire if unused
The Rho Corporate Card doesn’t have a minimum annual revenue requirement or a firm bank balance requirement, though Rho will ask for 12 months of financial statements to determine your credit limit.
This card can run alongside Rho business checking, savings and treasury accounts. But you don’t have to use other Rho products to use the card. That's a notable difference from competitors like Brex and Mercury.
Zero subscription, monthly, per-card, or ACH transaction fees.
Built-in accounting integrations + the full benefits of the Rho platform including banking, cash management, bill pay automation, and expense management.
Straightforward rewards through Rho Platinum - up to 2% cashback on all spending (up to $1M annually).
Rho Platinum (if you use Rho for checking and corporate cards): 2% cashback with 1-day payment terms, 1.75% cashback with 30-day payment terms.
Rho Card: 1.25% cashback with 1-day payment terms, 1% cashback with 30-day payment terms.
Scalable credit limits that grow alongside your business.
Mastercard - Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.
Coast Fleet Card
Fleet card with no personal guarantee
Monthly fee of $4 per active user
1¢-10¢Fuel rebate of 4¢-10¢ per gallon at 30,000+ partner stations nationwide and 1¢ non-partner stations. Earn 1% back on non-fuel purchases.
4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
Cash back on nonfuel purchases
Automatically captures number of gallons, grade and receipts
Fleet specific controls, reporting and integrations
No personal guarantee
Cons
Monthly fee of $4 per active user
Balance must be paid in full every month
Fuel rebates vary by partner and location
Businesses with multiple vehicles can use fleet cards to manage their drivers and save on fuel costs. Most are pay-in-full charge cards and don't require a personal guarantee. The Coast Fleet Card is one of our favorites for its flexibility.
You can use the Coast Fleet Card wherever Visa is accepted. Similar products tie you to a specific gas station chain. In addition to fuel rewards, you'll get 1% cash back on all other spending. That's a nice added perk if you'll use the card for more than filling up.
4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
1% cashback on all non-fuel purchases.
$25,000/year protection against fuel fraud losses.
Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
Average savings of 10% when switching from another payment method based on customer survey.*
Get real-time alerts on suspicious fuel transactions.
Lock to fuel only or unlock additional purchase categories with precise spend controls.
Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
The Rippling Corporate Card is an expense management solution. But unlike operators in this space that focus on banking, like Rho and Mercury, Rippling's background is in HR software. If you're looking to better integrate spending with operations like payroll, Rippling might be a fit.
Just keep in mind that you must subscribe to Rippling Spend to use corporate cards. That software may carry a monthly cost, though. That makes Rippling a potentially expensive route to getting a card with no personal guarantee.
Pays up to 1.75% cash back with minimum spending and rewards do not expire.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional business credit cards.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Provides customers with $0 booking fees on Rippling Travel.
Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
Supports direct integrations with accounting and ERP tools and card-level spending controls.
Does not require a personal guarantee or credit check.
Ramp Card
Best for Best overall business card with no personal guarantee
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
The Ramp Card is easier to obtain than other business cards available without a personal guarantee. You don’t need professional funding, for example, or several million dollars in annual revenue.
But the cash-on-hand requirements are still steep. You need at least $25,000 in a business bank account to qualify. If you can meet Ramp’s requirements, you’ll get cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee.
Ramp is a charge card, so you can’t carry a balance. Instead, anything you charge is automatically debited from your business account on the same day each month.
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
1x-7x Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
The Brex Card offers a welcome bonus and a generous, but complicated, rewards structure. Brex cards come in two varieties: paid daily or paid monthly. There’s no option to carry a balance.
The Brex Card comes with a linked Brex business account. To qualify for monthly payments, you need professional investors and a business account balance of at least $50,000 ($1 million if you're self-funded).
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
The BILL Divvy Corporate Card is the rare corporate card with no personal guarantee available to sole proprietors. You may also be able to qualify with just $20,000 in a business bank account. Most corporate cards require a formal business structure and bigger balances.
This card’s rewards rates are high, but tricky to navigate. It’s more attractive for its availability to smaller businesses and its spend management tools.
Must use Rho's checking account and make daily repayments to get the highest rewards rate
Rewards expire if unused
The Rho Corporate Card doesn’t have a minimum annual revenue requirement or a firm bank balance requirement, though Rho will ask for 12 months of financial statements to determine your credit limit.
This card can run alongside Rho business checking, savings and treasury accounts. But you don’t have to use other Rho products to use the card. That's a notable difference from competitors like Brex and Mercury.
Zero subscription, monthly, per-card, or ACH transaction fees.
Built-in accounting integrations + the full benefits of the Rho platform including banking, cash management, bill pay automation, and expense management.
Straightforward rewards through Rho Platinum - up to 2% cashback on all spending (up to $1M annually).
Rho Platinum (if you use Rho for checking and corporate cards): 2% cashback with 1-day payment terms, 1.75% cashback with 30-day payment terms.
Rho Card: 1.25% cashback with 1-day payment terms, 1% cashback with 30-day payment terms.
Scalable credit limits that grow alongside your business.
Mastercard - Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.
4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
Cash back on nonfuel purchases
Automatically captures number of gallons, grade and receipts
Fleet specific controls, reporting and integrations
No personal guarantee
Cons
Monthly fee of $4 per active user
Balance must be paid in full every month
Fuel rebates vary by partner and location
Businesses with multiple vehicles can use fleet cards to manage their drivers and save on fuel costs. Most are pay-in-full charge cards and don't require a personal guarantee. The Coast Fleet Card is one of our favorites for its flexibility.
You can use the Coast Fleet Card wherever Visa is accepted. Similar products tie you to a specific gas station chain. In addition to fuel rewards, you'll get 1% cash back on all other spending. That's a nice added perk if you'll use the card for more than filling up.
4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
1% cashback on all non-fuel purchases.
$25,000/year protection against fuel fraud losses.
Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
Average savings of 10% when switching from another payment method based on customer survey.*
Get real-time alerts on suspicious fuel transactions.
Lock to fuel only or unlock additional purchase categories with precise spend controls.
Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
The Rippling Corporate Card is an expense management solution. But unlike operators in this space that focus on banking, like Rho and Mercury, Rippling's background is in HR software. If you're looking to better integrate spending with operations like payroll, Rippling might be a fit.
Just keep in mind that you must subscribe to Rippling Spend to use corporate cards. That software may carry a monthly cost, though. That makes Rippling a potentially expensive route to getting a card with no personal guarantee.
Pays up to 1.75% cash back with minimum spending and rewards do not expire.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional business credit cards.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Provides customers with $0 booking fees on Rippling Travel.
Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
Supports direct integrations with accounting and ERP tools and card-level spending controls.
Does not require a personal guarantee or credit check.
Pros
High rewards rate
Card-level spending controls
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
The Rippling Corporate Card is an expense management solution. But unlike operators in this space that focus on banking, like Rho and Mercury, Rippling's background is in HR software. If you're looking to better integrate spending with operations like payroll, Rippling might be a fit.
Just keep in mind that you must subscribe to Rippling Spend to use corporate cards. That software may carry a monthly cost, though. That makes Rippling a potentially expensive route to getting a card with no personal guarantee.
Pays up to 1.75% cash back with minimum spending and rewards do not expire.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional business credit cards.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Provides customers with $0 booking fees on Rippling Travel.
Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
Supports direct integrations with accounting and ERP tools and card-level spending controls.
Does not require a personal guarantee or credit check.
Pros
High rewards rate
Card-level spending controls
Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
Rippling’s software suite includes HR, payroll and digital security tools
Cons
Subscription may be required for businesses with more than 25 employees.
Multiple recent changes to pricing, rewards offerings.
The Rippling Corporate Card is an expense management solution. But unlike operators in this space that focus on banking, like Rho and Mercury, Rippling's background is in HR software. If you're looking to better integrate spending with operations like payroll, Rippling might be a fit.
Just keep in mind that you must subscribe to Rippling Spend to use corporate cards. That software may carry a monthly cost, though. That makes Rippling a potentially expensive route to getting a card with no personal guarantee.
Pays up to 1.75% cash back with minimum spending and rewards do not expire.
Total Control. Zero admin work: Rippling allows you to stop out-of-policy spending before it happens, so you can issue cards to employees without having to worry about purchasing things they shouldn’t. Unlike most Corporate Cards, Rippling allows you to build hyper-customizable policies using any HR data in your company. You can create policies based on the typical things – like vendor and dollar amount – as well as data within your org, like location, title, department, level, office location, tenure, and more. If you can think it, you can build it. This way, you don’t have to worry about an employee buying alcohol at a conference or the marketing team spending more than $X per month on AdWords.
Global-Ready: Corporate Cards work seamlessly across 200+ countries and territories, and expenses are reimbursed quickly in 37+ currencies.
Automatically Issue, Revoke, and Re-Assign Cards: With Rippling, when you hire an employee in your HRIS, you can automatically issue corporate cards with pre-set limits and policies based on their department, level, location, and more. And when an employee leaves, Rippling automatically disables their card and asks if you’d like to re-assign it to their manager or another employee.
Unlimited Physical Cards for Every Employee & Unlimited Virtual Cards: Admins can instantly issue physical and virtual cards and employees can even request approval for virtual cards for everything from software subscriptions to digital advertising. And both physical and virtual cards work with Apple Pay and Google Pay.
Out-of-the-box accounting integrations: Rippling seamlessly categorizes receipts with transactions and syncs spend with Quickbooks, Xero, NetSuite, Sage Intacct and more.
Up to 20x higher credit limits than traditional business credit cards.
Real-Time Spend Dashboards: Rippling allows you to view all of your physical and virtual cards in a single dashboard, and cut the data by any HR data in your company — location, department, team, level, work location, and more. You can even give managers the ability to view their teams' spending, right out of the box based on their role and level.
All-in-One Spend Management: Corporate Card + Expense Management: The Rippling Corporate Card is integrated into and can be used alongside Rippling’s Expense Management Platform.
Provides customers with $0 booking fees on Rippling Travel.
Does not have interest charges; balances to be paid in full per customer’s repayment cycle.
Supports direct integrations with accounting and ERP tools and card-level spending controls.
Does not require a personal guarantee or credit check.
Ramp Card
Best for Best overall business card with no personal guarantee
Ramp Card
Best for Best overall business card with no personal guarantee
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
The Ramp Card is easier to obtain than other business cards available without a personal guarantee. You don’t need professional funding, for example, or several million dollars in annual revenue.
But the cash-on-hand requirements are still steep. You need at least $25,000 in a business bank account to qualify. If you can meet Ramp’s requirements, you’ll get cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee.
Ramp is a charge card, so you can’t carry a balance. Instead, anything you charge is automatically debited from your business account on the same day each month.
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
The Ramp Card is easier to obtain than other business cards available without a personal guarantee. You don’t need professional funding, for example, or several million dollars in annual revenue.
But the cash-on-hand requirements are still steep. You need at least $25,000 in a business bank account to qualify. If you can meet Ramp’s requirements, you’ll get cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee.
Ramp is a charge card, so you can’t carry a balance. Instead, anything you charge is automatically debited from your business account on the same day each month.
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
The Ramp Card is easier to obtain than other business cards available without a personal guarantee. You don’t need professional funding, for example, or several million dollars in annual revenue.
But the cash-on-hand requirements are still steep. You need at least $25,000 in a business bank account to qualify. If you can meet Ramp’s requirements, you’ll get cash-back rewards (rate varies and is determined by Ramp) and card-level spending controls with no annual fee.
Ramp is a charge card, so you can’t carry a balance. Instead, anything you charge is automatically debited from your business account on the same day each month.
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
Must have at least $25,000 in cash in any U.S. business bank account to qualify.
Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
1x-7x Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
The Brex Card offers a welcome bonus and a generous, but complicated, rewards structure. Brex cards come in two varieties: paid daily or paid monthly. There’s no option to carry a balance.
The Brex Card comes with a linked Brex business account. To qualify for monthly payments, you need professional investors and a business account balance of at least $50,000 ($1 million if you're self-funded).
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
The Brex Card offers a welcome bonus and a generous, but complicated, rewards structure. Brex cards come in two varieties: paid daily or paid monthly. There’s no option to carry a balance.
The Brex Card comes with a linked Brex business account. To qualify for monthly payments, you need professional investors and a business account balance of at least $50,000 ($1 million if you're self-funded).
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls
Cons
Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors
The Brex Card offers a welcome bonus and a generous, but complicated, rewards structure. Brex cards come in two varieties: paid daily or paid monthly. There’s no option to carry a balance.
The Brex Card comes with a linked Brex business account. To qualify for monthly payments, you need professional investors and a business account balance of at least $50,000 ($1 million if you're self-funded).
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
The BILL Divvy Corporate Card is the rare corporate card with no personal guarantee available to sole proprietors. You may also be able to qualify with just $20,000 in a business bank account. Most corporate cards require a formal business structure and bigger balances.
This card’s rewards rates are high, but tricky to navigate. It’s more attractive for its availability to smaller businesses and its spend management tools.
Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
No annual fee or foreign transaction fees.
Unlimited free virtual cards.
Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors
Cons
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
The BILL Divvy Corporate Card is the rare corporate card with no personal guarantee available to sole proprietors. You may also be able to qualify with just $20,000 in a business bank account. Most corporate cards require a formal business structure and bigger balances.
This card’s rewards rates are high, but tricky to navigate. It’s more attractive for its availability to smaller businesses and its spend management tools.
Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
No annual fee or foreign transaction fees.
Unlimited free virtual cards.
Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors
Cons
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
The BILL Divvy Corporate Card is the rare corporate card with no personal guarantee available to sole proprietors. You may also be able to qualify with just $20,000 in a business bank account. Most corporate cards require a formal business structure and bigger balances.
This card’s rewards rates are high, but tricky to navigate. It’s more attractive for its availability to smaller businesses and its spend management tools.
Must use Rho's checking account and make daily repayments to get the highest rewards rate
Rewards expire if unused
The Rho Corporate Card doesn’t have a minimum annual revenue requirement or a firm bank balance requirement, though Rho will ask for 12 months of financial statements to determine your credit limit.
This card can run alongside Rho business checking, savings and treasury accounts. But you don’t have to use other Rho products to use the card. That's a notable difference from competitors like Brex and Mercury.
Zero subscription, monthly, per-card, or ACH transaction fees.
Built-in accounting integrations + the full benefits of the Rho platform including banking, cash management, bill pay automation, and expense management.
Straightforward rewards through Rho Platinum - up to 2% cashback on all spending (up to $1M annually).
Rho Platinum (if you use Rho for checking and corporate cards): 2% cashback with 1-day payment terms, 1.75% cashback with 30-day payment terms.
Rho Card: 1.25% cashback with 1-day payment terms, 1% cashback with 30-day payment terms.
Scalable credit limits that grow alongside your business.
Mastercard - Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.
Pros
Potential for 2% cash back
Full suite of spend controls
Direct integration with QuickBooks
Cons
Must use Rho's checking account and make daily repayments to get the highest rewards rate
Rewards expire if unused
The Rho Corporate Card doesn’t have a minimum annual revenue requirement or a firm bank balance requirement, though Rho will ask for 12 months of financial statements to determine your credit limit.
This card can run alongside Rho business checking, savings and treasury accounts. But you don’t have to use other Rho products to use the card. That's a notable difference from competitors like Brex and Mercury.
Zero subscription, monthly, per-card, or ACH transaction fees.
Built-in accounting integrations + the full benefits of the Rho platform including banking, cash management, bill pay automation, and expense management.
Straightforward rewards through Rho Platinum - up to 2% cashback on all spending (up to $1M annually).
Rho Platinum (if you use Rho for checking and corporate cards): 2% cashback with 1-day payment terms, 1.75% cashback with 30-day payment terms.
Rho Card: 1.25% cashback with 1-day payment terms, 1% cashback with 30-day payment terms.
Scalable credit limits that grow alongside your business.
Mastercard - Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.
Pros
Potential for 2% cash back
Full suite of spend controls
Direct integration with QuickBooks
Cons
Must use Rho's checking account and make daily repayments to get the highest rewards rate
Rewards expire if unused
The Rho Corporate Card doesn’t have a minimum annual revenue requirement or a firm bank balance requirement, though Rho will ask for 12 months of financial statements to determine your credit limit.
This card can run alongside Rho business checking, savings and treasury accounts. But you don’t have to use other Rho products to use the card. That's a notable difference from competitors like Brex and Mercury.
Zero subscription, monthly, per-card, or ACH transaction fees.
Built-in accounting integrations + the full benefits of the Rho platform including banking, cash management, bill pay automation, and expense management.
Straightforward rewards through Rho Platinum - up to 2% cashback on all spending (up to $1M annually).
Rho Platinum (if you use Rho for checking and corporate cards): 2% cashback with 1-day payment terms, 1.75% cashback with 30-day payment terms.
Rho Card: 1.25% cashback with 1-day payment terms, 1% cashback with 30-day payment terms.
Scalable credit limits that grow alongside your business.
Mastercard - Rho Cards use the Mastercard payment network, which provides world-class security and safety for your cardholders.
4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
Cash back on nonfuel purchases
Automatically captures number of gallons, grade and receipts
Fleet specific controls, reporting and integrations
No personal guarantee
Cons
Monthly fee of $4 per active user
Balance must be paid in full every month
Fuel rebates vary by partner and location
Businesses with multiple vehicles can use fleet cards to manage their drivers and save on fuel costs. Most are pay-in-full charge cards and don't require a personal guarantee. The Coast Fleet Card is one of our favorites for its flexibility.
You can use the Coast Fleet Card wherever Visa is accepted. Similar products tie you to a specific gas station chain. In addition to fuel rewards, you'll get 1% cash back on all other spending. That's a nice added perk if you'll use the card for more than filling up.
4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
1% cashback on all non-fuel purchases.
$25,000/year protection against fuel fraud losses.
Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
Average savings of 10% when switching from another payment method based on customer survey.*
Get real-time alerts on suspicious fuel transactions.
Lock to fuel only or unlock additional purchase categories with precise spend controls.
Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Pros
4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
Cash back on nonfuel purchases
Automatically captures number of gallons, grade and receipts
Fleet specific controls, reporting and integrations
No personal guarantee
Cons
Monthly fee of $4 per active user
Balance must be paid in full every month
Fuel rebates vary by partner and location
Businesses with multiple vehicles can use fleet cards to manage their drivers and save on fuel costs. Most are pay-in-full charge cards and don't require a personal guarantee. The Coast Fleet Card is one of our favorites for its flexibility.
You can use the Coast Fleet Card wherever Visa is accepted. Similar products tie you to a specific gas station chain. In addition to fuel rewards, you'll get 1% cash back on all other spending. That's a nice added perk if you'll use the card for more than filling up.
4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
1% cashback on all non-fuel purchases.
$25,000/year protection against fuel fraud losses.
Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
Average savings of 10% when switching from another payment method based on customer survey.*
Get real-time alerts on suspicious fuel transactions.
Lock to fuel only or unlock additional purchase categories with precise spend controls.
Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Pros
4 to 10 cents per gallon back at partner stations; 1 cent back at non-partner stations
Cash back on nonfuel purchases
Automatically captures number of gallons, grade and receipts
Fleet specific controls, reporting and integrations
No personal guarantee
Cons
Monthly fee of $4 per active user
Balance must be paid in full every month
Fuel rebates vary by partner and location
Businesses with multiple vehicles can use fleet cards to manage their drivers and save on fuel costs. Most are pay-in-full charge cards and don't require a personal guarantee. The Coast Fleet Card is one of our favorites for its flexibility.
You can use the Coast Fleet Card wherever Visa is accepted. Similar products tie you to a specific gas station chain. In addition to fuel rewards, you'll get 1% cash back on all other spending. That's a nice added perk if you'll use the card for more than filling up.
4¢-10¢ per gallon rebate at 30,000+ partner stations nationwide, including Exxon, Mobil, 7-Eleven, Circle-K, Casey's, and more. 1¢ per gallon rebate at non-partner stations.
1% cashback on all non-fuel purchases.
$25,000/year protection against fuel fraud losses.
Built for fleets, with precise and flexible card limits to prevent fuel fraud and wasteful spending.
Average savings of 10% when switching from another payment method based on customer survey.*
Get real-time alerts on suspicious fuel transactions.
Lock to fuel only or unlock additional purchase categories with precise spend controls.
Integrations into popular telematics and fleet management software like Samsara, Azuga, OneStepGPS, Fleetio, Geotab, and others.
Other business credit cards with no personal guarantees
The following cards aren't available through NerdWallet. Our editorial team still recommends them.
The IO Card is a corporate card offering from financial technology company Mercury, which specializes in software, e-commerce and biotech startups (although other businesses can still qualify). Unlike Rho, you’ll have to open a Mercury business bank account to be eligible — but you may be able to qualify for the card with a bank balance as low as $25,000.
Rewards: 1.5% cash back.
Welcome bonus: None.
Annual fee: $0.
Additional perks: Built-in banking services from Mercury, plus spend and expense management tools.
Incorporated businesses that meet certain criteria — including having more than two years in business, more than 10 employees and at least $5 million in annual sales or revenue — can get the Sam’s Club Business Mastercard without a personal guarantee. Though this card offers rewards, including up to 5% back on gas, they are earned as Sam’s Cash and can be used only at Sam’s Club.
Rewards: Up to 5% back on gas, 3% on dining and takeout and 1% on other purchases.
Welcome bonus: Receive a $30 statement credit when you make $30 in Sam’s Club purchases in the first 30 days from opening your account.
Annual fee: $0.
Additional perks: Sam’s Plus members earn an extra 3% back on Sam’s Club purchases (on top of the 2% earned with your Plus membership).
Charity Charge is available to nonprofits and other entities with tax-exempt status, provided your organization has been operating for at least five years and generates $100,000 or more in annual revenue. Organizations operating for at least two years can qualify with annual revenue of at least $500,000. (Nonprofits that don't meet either criteria can apply for a secured business credit card with Charity Charge.) This is a charge card, so your balance must be paid in full each month.
Rewards: None.
Welcome bonus: None.
Annual fee: $0.
Additional perks: 24/7 customer support via phone or email and discounts on services from vendors like Microsoft 365, QuickBooks and TurboTax, plus automatic rebates on travel, fuel, business services and more at participating vendors via Mastercard Easy Savings.
🧾 Important product updates
A previous version of this page recommended the Stripe Corporate Card. This card is no longer available directly to business owners. Instead, Stripe now focuses on providing card infrastructure to other issuers.
Who can get a business credit card with no personal guarantee?
Large businesses and smaller companies with high cash reserves and significant revenue may be able to get a business credit card with no personal guarantee. It will likely be in the form of a corporate credit card.
Strong cash flow or a large bank balance suggests to a lender that a business is likely able to pay back its credit card debt. That takes on the role played by the personal guarantee.
If your business has a smaller bank balance, your options will be more limited. Cards affiliated with specific retailers, like Sam’s Club, will likely be your best bet.
Why do business credit cards require personal guarantees?
Personal guarantees help mitigate the risk that issuers take on when extending credit to a business. If a business can't pay its credit card, the guarantee gives the issuer a way to get its money back.
Businesses are risky bets for credit card issuers. About 20% of new businesses close within a year, and just 34.7% make it to their 10-year anniversary, according to data from the U.S. Bureau of Labor Statistics.
If your personal credit is strong, consider a card with a guarantee to increase your options. It will allow you to apply for a cash-back business credit card with greater rewards or a card with a 0% annual percentage rate period for some flexibility with your cash flow.
Will business card issuers waive personal guarantees?
In our experience, personal guarantees are non-negotiable. If a business credit card requires one for approval, don't expect an issuer to waive it.
In fact, in our 2025 annual survey of card issuers, our editorial team asked this exact question. For cards that require a personal guarantee, we wondered if applicants could avoid personal guarantees based on:
Personal income level.
Business revenue.
History with the issuer.
Any other reason.
Not every issuer answered this question. But among those that did (including U.S. Bank and Wells Fargo), none said it would waive the personal guarantee.
Drawbacks to business cards with no personal guarantee
A business card that doesn’t require a personal guarantee minimizes your risk. That's appealing for business owners. But there are definite disadvantages to these products:
Tough eligibility requirements. Business cards with no personal guarantee are typically corporate credit cards. The majority of these cards are only available to registered businesses (not sole proprietors) with strong annual revenue and a healthy bank balance — think $20,000 or more in a business checking account.
Can't carry a balance. Many of these cards are business charge cards. This type of card requires you to pay your balance in full each billing cycle. Depending on the card issuer, that cycle could be a month, a week or even every day. The rigid repayment schedule could crimp your cash flow. It doesn't give you as good an opportunity to use available credit to finance purchases, either.
Less generous rewards. Business credit cards that don’t require a personal guarantee typically lack the welcome bonuses and cash back or travel rewards you get from the best business cards.
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