Best Business Credit Cards With No Personal Guarantee of December 2025

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.

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

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

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

Pros

• Potential for 2% cash back
• Full suite of spend controls
• Direct integration with QuickBooks

Cons

• Must bank with Rho and make daily repayments to get the highest rewards rate
• Rewards expire if unused

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