Tired of Risking Your Home for a Business Credit Card?
Picture this: You’ve poured savings into your startup, only to face loan rejection because your personal credit took a hit during the pandemic. Or worse—you’re forced to pledge your car or home as collateral. You’re not alone: 45% of small business loans require personal guarantees, trapping entrepreneurs in debt cycles (Federal Reserve, 2023). But what if you could access $50K+ in credit without personal liability or credit reporting? Spoiler: It’s possible, and we’ll show you how.
Why “No Personal Guarantee” Cards Are Game-Changers
How These Cards Shield Your Finances
Unlike traditional cards, no-PG business credit cards don’t require you to personally repay debts if your business fails. They also avoid reporting activity to personal credit bureaus—crucial if you’ve faced bankruptcy or low scores. Instead, issuers underwrite based on:
- Business revenue and cash flow
- Employer Identification Number (EIN)
- Business bank account history
*”Startups with $50K+ monthly revenue can often bypass personal credit checks entirely,”* says financial advisor Rebecca Lee. “It’s the fastest path to separating business and personal risk.”
Top Business Card with No Personal Guarantee: Brex
Brex Corporate Card
⭐⭐⭐⭐ (4.5/5)
Brex offers high-limit corporate cards with zero personal guarantee, ideal for LLCs, C-corps, and venture-backed startups. It reports only to business credit bureaus (Dun & Bradstreet, Experian Business).
Apply NowKey Specs
| Annual Fee | $0 |
| APR | N/A (charge card – pay monthly) |
| Credit Check | Soft pull on business revenue |
| Requirements | U.S. business, EIN, $50K+ in bank balance |
Pros
No personal credit check
60-day interest-free terms
Free global ATM withdrawals
Cons
Not for sole proprietors
Requires $50K+ in business liquidity
Disclosure: We earn a commission if you apply via our links. We test all products—see our ethics pledge.
Alternatives to Brex
Ramp Corporate Card
- Best for: Bootstrapped businesses
- No-PG? Yes – underwriting via bank connections
- Perks: 1.5% cashback, automated expense reports
Stripe Corporate Card
- Best for: E-commerce brands
- No-PG? Yes – based on Stripe processing volume
- Perks: 2% back on top categories, no foreign fees
How to Qualify in 4 Steps
- Register your business as an LLC or C-corp (sole props rarely qualify).
- Get an EIN (free via IRS.gov).
- Open a business bank account with 3+ months of transactions.
- Show $5K+/month revenue via bank statements or payment processors.
Pro Tip: Use tools like Novo Business Banking to track revenue transparently.
Building Business Credit Without Personal Risk
Once approved:
- Pay early (Brex gives 60-day terms; use this grace period).
- Keep utilization under 30% to boost business credit scores.
- Add vendors to Dun & Bradstreet—they’ll report your on-time payments.
*”A strong Paydex score (80+) can unlock six-figure limits,”* notes business credit expert Michael Chen.
Frequently Asked Questions
Do no-PG cards build business credit?
Yes! Cards like Brex report to Dun & Bradstreet, Experian Business, and Equifax Commercial. Pay on time to boost scores.
Can I get one with bad personal credit?
Absolutely. These cards ignore personal scores. Focus on business revenue ($50K+/year recommended) and clean business banking history.
What’s the highest limit possible?
Brex offers up to 10x your monthly revenue (e.g., $500K for $50K/month businesses). Limits adjust dynamically as cash flow grows.
Do these cards affect personal credit?
No. Activity appears solely on business credit reports—unless you default and the issuer sues (rare with charge cards).
🚀 Ready to Protect Your Personal Finances?
No-PG cards like Brex offer breathing room to scale without risking your home or credit score. Act now—bonus points expire soon:
Secure Your Brex Card & 50K Points »