You want clean liability separation and cards that approve on company strength, not your name. In 2026 the search phrase business credit cards for new llcs no personal guarantee points to corporate-style products like Ramp, Rippling, Brex, BILL Divvy, Rho, and Coast. These options often act as charge or corporate accounts and can free you from signing a personal guarantee.
The SBA notes limits can run roughly 10–100× consumer card lines, so your growth runway looks different when approval leans on company finances. Most traditional issuers still expect a personal backstop, so the true no-PG field is smaller and specialized.
This guide gives you a buyer’s experience: who each top pick suits, what you need to qualify, how rewards and cash back stack up, and the fees or fine print that change value. You’ll learn which card types favor pay-in-full models versus revolving access and how to protect your personal exposure while keeping controls, integrations, and visibility as your LLC scales.
Key Takeaways
- No-PG options are usually corporate or charge cards aimed at companies with clear finances.
- SBA-cited limits can far exceed consumer lines, aiding growth and spend planning.
- Top picks include Ramp, Rippling, Brex, BILL Divvy, Rho, and Coast.
- Compare rewards, cash back, and fees against how your company actually spends.
- This guide helps you minimize personal exposure while keeping strong spend controls.
Why you might want a business credit card without a personal guarantee in 2026
When a card doesn’t ask you to co-sign, your personal property is less exposed if things go wrong. That separation gives asset protection and limited liability while your company grows.
Protect your personal assets while you build your LLC
Skipping personal guarantees keeps your home, savings, and retirement accounts out of reach if your account can’t be paid. This creates peace of mind when you launch or scale operations.
Keep business and personal credit separate from day one
A card that does not require personal backing helps your personal credit stay clean. That matters if you plan to buy a house or refinance while your company is still young.
Get higher limits and better spend visibility than many consumer cards
Business credit lines can be far larger than consumer options — lenders often cite ranges like 10–100× consumer limits when the account shows strong cash flow. Higher lines usually follow solid bank balances and steady revenue.
New corporate-style providers bundle spend dashboards, receipt capture, and policy controls. Those tools can improve bookkeeping, reduce tax-time headaches, and give clearer visibility into employee spending.
- Benefits: asset protection, limited liability, cleaner credit separation, and better risk management.
- Tradeoff: a card that does require personal backing may be quicker to approve but increases what you’re personally on the hook for.
What a personal guarantee is and what you’re agreeing to when you sign one
A guarantee is a written promise that makes you liable when the company fails to pay a balance. In plain terms, you agree to pay the bill yourself if the business cannot.
How signing shifts liability
How guarantees shift liability from the company to you
When an issuer says a card require a backup, they can collect from you, not just the firm. That language effectively removes the shield an LLC offers and puts your assets at risk.
How a guarantee can affect your personal credit score
Missed payments or collections may appear on your personal credit report, depending on how the lender reports accounts. That can lower your score and raise future borrowing costs.
Legal and financial risks if your company can’t pay
A signed personal guarantee is enforceable. If the account is unpaid, lenders can sue, win judgments, place liens on property, or seek wage garnishment.
| Risk | What it means | Practical example |
|---|---|---|
| Asset exposure | Savings, home, or vehicle can be claimed | Ad spend spikes and you cover a $50,000 bill |
| Credit hit | Reports lower your score | Missed payment shows on report |
| Legal action | Lawsuit, judgment, lien, garnishment | Collector sues after months of nonpayment |
Bottom line: Know this tradeoff. Understanding the risks helps you decide when a no-PG route is worth stricter approval rules or pay-in-full terms.
Business credit cards vs. corporate cards for new LLCs
Which type of card you pick affects who signs the risk and how much control you get.
Traditional business credit card usually refers to bank-issued small-business products that look at both your personal file and your company statements. Issuers often ask for a personal guarantee as the backstop to approve an account.
Corporate or charge cards tend to underwrite based on company cash, recurring revenue, and operations. That focus means some providers can skip a personal guarantee and issue multiple employee cards with role-based limits.
Key differences at a glance
- Bank-issued products often require personal guarantee and review owner credit.
- Corporate charge accounts weigh business cash and history and may avoid owner backing.
- Many no-PG options are pay-in-full charge cards, trading revolving flexibility for liability separation.
- Corporate-style platforms win on controls: budgets, role permissions, virtual cards, and integrations.
“If you need tight admin controls and multiple employee cards, a corporate option usually fits better.”
Match the product to your stage: a solo founder with variable cash flow may prefer a traditional route; a funded firm with steady deposits can often access corporate terms. Next, we’ll cover the underwriting levers that drive approval: bank balance, revenue consistency, and operational footprint.
business credit cards for new llcs no personal guarantee: what’s realistic for approval
Getting approved without a personal backstop is possible, but issuers focus on your company’s financial snapshot more than founder reputation.
Why issuers look at cash balance, revenue, and history
Underwriters want to see steady cash flow, healthy bank reserves, and a track record that shows your company can pay. These signals reduce lender risk and make a no-backstop approval viable.
Common minimums you’ll see
Many platforms set practical thresholds. A common benchmark is at least $25,000 in a U.S. business bank account. Some providers, like Brex, may expect more—often tied to capital or investor status.
- Ramp: often requires $25,000+ and can approve in under 48 hours with no PG or credit check.
- Brex: may ask for $50,000+ from funded companies and can require frequent repayment.
- Other issuers: thresholds vary; some look for recurring revenue or recent funding.
When “no PG” still involves a credit check
“No personal guarantee” does not always equal “no credit check.” Some firms run owner credit checks or business credit pulls depending on structure. Always read application disclosures before you apply.
Practical tip: Time your application to a strong month. Underwriters take a snapshot, so apply when balances and revenue look best to improve your approval odds.
How to choose the right no-personal-guarantee card for your new LLC
Decide what matters most before you apply. Start by picking a product that fits how you pay: if you must carry a balance, many corporate-style offers won’t work because they require pay-in-full.
Charge card vs. credit card
Charge options often require full repayment each month. They can give high limits and strong controls but won’t let you revolve a balance. If you need flexible terms, look for a true credit product that allows carrying a balance.
Cash back vs. points
Match rewards to real purchases: software, ads, shipping, travel, and fuel. If you spend mainly on subscriptions, simple cash back may beat complex points programs.
Spending controls and accounting
You’ll want per-card limits, vendor blocks, and real-time enforcement to stop errors. Integrations with QuickBooks, Xero, NetSuite, and Sage Intacct save hours at month end and often pay for themselves.
| What to compare | Why it matters | Example |
|---|---|---|
| Annual fee | Can erase small rewards | Ramp & Divvy: no annual fee |
| Transaction fees | Per-swipe or foreign costs add up | Brex: no foreign transaction fees |
| Platform fees | Per-user or HR costs raise total cost | Rippling may add HR platform fees |
Bottom line: weigh total fees, real-world rewards, and integrations before you apply. That keeps surprises small and value clear.
Best overall for most new LLCs: Ramp Corporate Card
If you need a low-friction corporate option with strong spend controls, Ramp is often the easiest fit.
Why it tops this list: Ramp approves quickly with no personal credit check and charges a $0 annual fee. Approval can come in under 48 hours when your U.S. bank account shows sufficient reserves. That speed and simplicity suit founders who want to keep liability separate while keeping admin light.
Rewards and welcome offer: Ramp offers up to 1.5% cash back, though your rate can vary. New accounts often receive a one-time $500 card reward on approval with no minimum spend required.
What you should plan for
- Minimum account balance: typically $25,000 in a U.S. bank account.
- Repayment: pay the full balance each statement period (charge-style product).
- Eligibility: not available to sole proprietors; most operations should be U.S.-centric.
Expense automation and controls
Ramp provides unlimited physical and virtual cards, SMS/app receipt capture, vendor and category restrictions, and direct sync with QuickBooks, Xero, and NetSuite. Those tools reduce reconciliation time and enforce policy in real time.
“Ramp blends fast approval with clear controls, making it a strong option when you want clean liability separation and easy accounting.”
| Feature | What it means | Practical impact |
|---|---|---|
| Annual fee | $0 | Rewards aren’t offset by a year charge |
| Foreign transaction fees | None | Cost-effective for occasional international spend |
| Limits | Up to ~30x higher than consumer lines | Supports faster growth and larger vendor spend |
| Onboarding speed | Approval in <48 hours | Quick access to funding and controls |
Best for all-in-one HR + spend controls: Rippling Corporate Card
A unified HR and spend platform can cut reconciliation time and prevent out-of-policy purchases before they hit your books. Rippling ties employee data to card rules so limits, vendor blocks, and receipt prompts follow role and tenure.
Rewards and signup offer
Unlimited 1.75% cash back on eligible purchases and a $500 gift card after you spend $5,000 in the first three months. That welcome offer suits teams with steady operational spend.
Policy-based controls and global readiness
Build policies from department, title, location, or tenure so out-of-policy spending is blocked in real time. The program works across 200+ countries and supports reimbursements in 37+ currencies.
Accounting and operational payoff
Rippling syncs with QuickBooks, Xero, NetSuite, and Sage Intacct. Real-time dashboards, automated receipt matching, and multi-language receipt capture speed coding and close.
Costs to watch
Platform pricing runs roughly $0–$11 per employee per month. Larger teams may need a subscription, which changes the total fee picture.
| Feature | What you get | Practical impact |
|---|---|---|
| Cash back | 1.75% unlimited | Simple rewards on everyday purchases |
| Welcome offer | $500 gift card after $5,000/3 months | Realistic if payroll-adjacent spend is steady |
| Global support | 200+ countries, 37+ currencies | Useful for remote teams and travel |
| Platform fee | $0–$11 / employee / month | May add meaningful recurring costs |
Best for venture-funded startups: Brex Corporate Card
If your startup has venture backing and steady runway, Brex often delivers the richest points structure while letting you avoid an owner signature.
No personal guarantee and global fee advantages
No personal guarantee is available with Brex, and the program charges no annual fee or foreign transaction fees. That helps if you buy software overseas or travel often.
Rewards multipliers breakdown
Brex favors startup spending patterns. Typical multipliers:
| Category | Multiplier |
|---|---|
| Rideshare | 7x |
| Brex Travel | 4x |
| Restaurants | 3x |
| Software | 2x |
| All other purchases | 1x |
Bonus: 10,000 points after $3,000 spent in the first three months.
Qualification hurdles and cash flow effects
Expect higher capital thresholds. Many accounts need roughly $50,000 from professional investors or similar bank balances. Brex may also require daily repayment, which affects your short-term cash flow.
Building credit and integrations
Brex reports on-time activity to Dun & Bradstreet and Experian, which helps your business credit profile grow faster than using owner-backed alternatives.
The card runs on Mastercard and connects to QuickBooks, Xero, and NetSuite to simplify bookkeeping.
“If you want points-heavy rewards and have capital to show, Brex is often the best fit.”
Best for flexible budgeting across teams: BILL Divvy Corporate Card
For companies that need flexible limits and granular controls, Divvy’s approach simplifies oversight. It’s built to split budgets by team, project, or vendor so leaders see and control spend in real time.
Cost and liability: Divvy charges a $0 annual fee and offers accounts that avoid a personal guarantee, which keeps your personal exposure limited as the firm scales.
How weekly billing affects rewards and behavior
Divvy’s weekly billing unlocks higher rewards rates—up to 7x at restaurants and 5x at hotels—but it also means faster repayment expectations.
How credit lines scale
Lines can grow up to $15M. Underwriters review revenue, cash balance, operating history, and both personal and company credit to set limits.
Spend management basics
- Budgets by team or project to prevent overspend.
- Unlimited virtual cards to isolate subscriptions and vendors.
- Automated receipt capture to speed month‑end close.
“If you need tight, project-level controls and predictable costs, Divvy is a strong fit.”
| Feature | Why it matters | Impact |
|---|---|---|
| Annual fee | $0 | Keeps overhead low |
| Rewards | Up to 7x restaurants, 5x hotels | Boosts return on frequent categories |
| Foreign fees | None | Better for occasional overseas spend |
Best for simpler cash back with banking built in: Rho Corporate Card
Rho pairs a straightforward cash back program with a built-in bank account so your payments, cash management, and rewards live in one place. That combo can cut reconciliation time and reduce friction when you track monthly spend.
Cash back structure and welcome offer
Rho offers 1%–2% cash back depending on payment terms. You can earn up to 2% when you use Rho checking and opt into daily repayment. There’s also a $500 statement credit after you spend $1,000 in the first three months—an easy bonus for many startups.
Tradeoffs and costs
To hit top rewards you usually must use Rho checking and accept daily repayments. That shifts how you manage cash, since faster paydown affects float. There are no subscription, monthly, per-card, or ACH fees to worry about, but rewards do expire if unused.
- Recommend Rho when you want simple cash back plus integrated banking.
- QuickBooks sync keeps bookkeeping tidy as your company grows.
- Runs on the Mastercard network and offers scalable credit limits.
Best no-personal-guarantee option for fleets: Coast Fleet Card
When vehicles dominate your expense sheet, a dedicated fleet program often delivers better rebates and tighter oversight than general rewards options.
Fuel rebates and non-fuel rewards
Coast returns 4–10¢ per gallon at 30,000+ partner stations and 1¢ per gallon at non-partner pumps. You also earn 1% cash back on non-fuel purchases, which helps offset routine operating costs.
Controls that stop fraud and out-of-policy buying
The program includes category locks, fuel‑only limits, and real‑time suspicious-transaction alerts. Coast captures gallons, grade, and receipts automatically to simplify disputes.
Fees, payoff rules, and protections
There’s a $4 monthly fee per active user and a pay-in-full requirement each cycle. That structure works best when you can clear balances but want tight control over spending.
| Feature | What you get | Why it matters |
|---|---|---|
| Monthly fee | $4 per active user | Predictable per-driver cost |
| Fraud protection | $25,000 / year | Limits loss from pump theft or misuse |
| Integrations | Samsara, Fleetio, Geotab, Azuga, OneStepGPS | Tighter reporting and fewer disputes |
“If fuel is a meaningful line item, Coast pairs strong rebates with fleet controls you won’t find on general-purpose programs.”
How to compare rewards, bonuses, and real value (not just headline rates)
Focus on net value: a headline earn rate means little until you map it to your actual monthly spend. Start by listing major categories—software, travel, vendors—and how much you spend in each.
Cash back vs. points valuation
Cash back is easy to value and redeem. If your monthly outflows are predictable, a flat cash back return is often the simplest win.
Points can beat cash if you consistently convert them into travel or transfer partners. Run a quick math test: multiply category spend by each program’s multiplier, then convert points to a dollar value you expect to get.
Signup bonuses and first-year math
Compare realistic hit rates. Ramp gives $500 on approval (no spend), Rho offers $500 after $1,000/3 months, Brex gives 10,000 points after $3,000/3 months, and Rippling has $500 after $5,000/3 months.
A strong welcome bonus can outweigh a weak ongoing rate—only if you can meet the requirement without stretching spend.
Where fees erase rewards
Subtract recurring costs: annual fee, platform subscription, and foreign transaction fees. Small per-user fees add up and can flip a winner into a loser fast.
Quick framework: estimate annual spend → apply realistic earn rates → subtract all fees → pick the credit card with the highest net value.
| Offer | Signup | Typical hit | Watch |
|---|---|---|---|
| Ramp | $500 upon approval | No minimum | $0 annual fee |
| Rho | $500 statement credit | $1,000 / 3 months | Daily repayment for top rate |
| Brex | 10,000 points | $3,000 / 3 months | Higher qualification thresholds |
| Rippling | $500 gift card | $5,000 / 3 months | Platform subscription may apply |
Spend controls that matter when you start issuing employee cards
Modern expense platforms stop waste before it posts by enforcing rules at the moment of purchase. That prevention is often the biggest hidden ROI you get from a corporate program.
Must-have controls include per-card limits, merchant and category restrictions, and real-time enforcement so an out-of-policy purchase is blocked instantly. With these in place, you avoid awkward follow-ups and surprise reconciliations.
Unlimited virtual cards let you assign a unique number to each subscription or vendor. If a supplier changes terms, you pause or delete that virtual card without touching other accounts. That reduces fraud risk and simplifies vendor management.
Receipt capture and audit trails
Automated receipt collection and searchable audit trails speed month‑end close. When receipts, merchant data, and transaction notes are linked to each purchase, bookkeeping and investor reporting get cleaner and faster.
How top platforms help:
- Ramp: vendor/category restrictions, unlimited virtual and physical cards, SMS/app receipt capture, real-time visibility.
- Rippling: HR-driven policy enforcement, automatic issue/revoke, multilingual receipt collection, live dashboards.
- Divvy (BILL): budget-first controls, unlimited virtual cards, built-in receipt matching.
“Controls that block mistakes save you time, protect vendor relationships, and build trust across the company.”
| Feature | Ramp | Rippling | Divvy |
|---|---|---|---|
| Per-card limits | Yes | Yes (HR-linked) | Yes (budgeted) |
| Merchant/category blocks | Yes | Yes | Limited |
| Unlimited virtual numbers | Yes | Yes | Yes |
| Automated receipt capture | SMS/app + integrations | Multilingual capture | Auto-match receipts |
How to improve your approval odds as a new LLC (without a personal guarantee)
You can improve approval chances by aligning simple banking habits with what issuers expect to see.
Step-by-step playbook:
- Build a clear business credit history by paying vendors and bills on time.
- Keep balances manageable: avoid maxed accounts and show routine reserves.
- Show steady cash flow, not one-off deposits; consistent inflows matter more than a single large deposit.
Strengthen banking relationships. Use your account for payroll, vendor payments, and regular deposits so underwriters see an active operation instead of a dormant shell.
Apply during your strongest month—right after invoices clear or payroll runs smoothly. Underwriting is a snapshot; timing improves approval odds and may reduce the need for extra checks.
Quick tip: a tidy payment history and steady balances help even when the issuer runs an owner credit check.
| Action | Why it helps | Target |
|---|---|---|
| On-time payments | Builds trade and vendor trust | 30–90 day payment record |
| Maintain reserves | Shows capacity to cover statements | $25k+ bank balance when possible |
| Active account use | Proves operational reality | Regular deposits and payroll |
When a card “doesn’t require personal guarantee” still might not be your best fit
A card that waives a co-signer often trades that benefit for stricter repayment rules. That mismatch shows up in three common ways that can change which product actually helps you.
If you need to carry a balance (and the card requires pay-in-full)
Many no-PG options are charge-style. They expect full payment each cycle or even daily settlements. If you carry inventory or have uneven receivables, forced pay-in-full can strain cash more than a signed backup would.
If you’re a sole proprietor or not fully registered (eligibility limits)
Top platforms like Ramp and Brex exclude sole proprietors. If your entity paperwork is incomplete, you may be denied or pushed toward a product that does require a personal guarantee.
If you operate heavily outside the U.S. (operations requirements and acceptance)
Some issuers waive foreign transaction fees but still expect most operations and spend to be U.S.-based. If you run global travel or frequent cross-border vendor payments, acceptance and underwriting can be tougher.
| When no-PG fits | When a PG may suit | Practical tip |
|---|---|---|
| Stable bank reserves | Need to revolve balances | Match product to cash cycle |
| Registered entity | Sole proprietor or informal setup | Confirm eligibility before applying |
| U.S.-centric spend | Frequent foreign transaction/travel | Read underwriting rules closely |
Decision lens: pick the structure that supports your cash needs, entity status, and geography—not only the absence of a guarantee.
Conclusion
, Choose a card that matches your cash cycle and team controls, not just the highest headline reward.
Quick recap: Ramp is the easiest fit for most LLCs (no fee, no PG/no credit check, ~1.5% cash back, $25k bank minimum, $500 on approval). Rippling suits HR-driven teams (1.75% cash back, $500 after $5k/3 months). Brex works best if you have venture capital (points multipliers, higher capital needs). Divvy excels at budget-first management. Rho pairs simple cash back with built-in banking. Coast is ideal when fleet rebates matter.
Focus on fit over hype: match rewards, repayment cadence, and total fee to how your company actually pays. Prepare tidy bank activity, steady reserves, and a repayment plan before you apply.
Next step: shortlist two to three options, compare net value after fees, confirm eligibility, and apply when your financials look strongest. The right choice helps you build business credit history, keep purchases organized, and scale without putting your personal assets at risk.