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With the growing popularity of business cards, it’s important to always have a compelling marketing tool. It is also necessary that your card reflects your personal brand and personality. Whether you are just starting out in this industry or looking for something new with which to impress clients, here are five ideas for business cards without any guarantee:
The “no personal guarantee business credit cards list” is a website that provides information on the 5 best business cards with no personal guarantee.
Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.
If you operate a well-established small firm with millions in yearly income, you’ll have a greater chance of getting a business card without a personal guarantee. These cards are hard to come by, and many of them can only be used with certain brands. If your requirements match up with one of these cards, you may often earn great rewards while lowering your own responsibility.
A company charge card or business debit card is another alternative for business owners who wish to avoid a personal guarantee. These cards are much less likely to include limits on who is eligible to get them.
Here are the top five business cards that don’t need a personal guarantee:
Personal guarantees shield credit card issuers from the danger of delinquent debt. A personal guarantee passes that risk directly to the company owner, which is why almost all business credit cards need one. If your company satisfies the size and revenue criteria, you may minimise your personal risk by utilizing a credit card with no personal guarantee.
Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.
Best Overall Business Card with No Personal Guarantee: Visa® Debit Card for Business Bento
Visa® Debit Card for Business Bento
Managing employee costs without having to pass a credit check
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on Visa® Debit Card for Business Bento’s secure website.
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The Total The Total Number of Cards
Unlimited
Cost per month
$29-149 per month
Daily Load Capacity
None
Spending Cap for the Day
$25,000
- Decision made in a flash
- There is no need for a credit check.
- Card controls and spending reports with a single click
Pros
- The first two cards are completely free.
- Easily manage employee spending
- Purchase safeguards and additional card features
Cons
- If you have more than two cards, you will be charged a lot of money.
- Funds must be deposited.
- Will not assist in the development of business or personal credit.
- Auto rental collision damage waiver: Pay for your full auto rental transaction with this card and obtain collision coverage up to the value of the vehicle for a damaged or stolen rental vehicle.
- Purchase protection: Purchases are insured for damage and theft for up to 90 days, with a maximum of $10,000 per claim and $50,000 per year.
The Total The Total Number of Cards
Unlimited
Cost per month
$29-149 per month
Daily Load Capacity
None
Spending Cap for the Day
$25,000
- Decision made in a flash
- There is no need for a credit check.
- Card controls and spending reports with a single click
Pros
- The first two cards are completely free.
- Easily manage employee spending
- Purchase safeguards and additional card features
Cons
- If you have more than two cards, you will be charged a lot of money.
- Funds must be deposited.
- Will not assist in the development of business or personal credit.
- Auto rental collision damage waiver: Pay for your full auto rental transaction with this card and obtain collision coverage up to the value of the vehicle for a damaged or stolen rental vehicle.
- Purchase protection: Purchases are insured for damage and theft for up to 90 days, with a maximum of $10,000 per claim and $50,000 per year.
Why we like it: The Visa® Debit Card for Business Bento is our choice for the best overall card with no personal guarantee. Even though it’s a debit card and not a credit card, it’s accessible to all business owners without size and revenue requirements. As a Visa® card, you can use it anywhere Visa® is accepted. Since it’s a debit card, it doesn’t charge any interest and doesn’t require a credit check. There are no setup fees, no debit fees, no decline or overdraft fees, and you get unlimited domestic transactions. Unlike the other cards on this list, you can be a business owner with fair or poor credit and still be eligible to apply for this card.
Debit cards come in two types: spend limit cards and fixed-value cards. The spend limit card is useful for organizing all company spending in one location and is used for daily transactions. For one-time payments, per diems, or periodic vendor payments, the fixed-value card is the ideal option. For contactless payments, you may add both the spend limit and fixed value cards to your Apple Pay or Google Pay wallet.
Each employee may have their own card if you have them. The monthly charge for one to ten cards, including the account owner’s card, is $29, and pricing options for up to 25, 100, and more than 100 cards are available. You can set the spend limit and expenditure category on each employee card, and make adjustments to these limits online or using the mobile app, unlike many other company debit cards. If your card is lost or stolen, you may always put it on hold. For the first 60 days, Bento is free to use, and you may cancel your account at any time.
Qualification Requirements for the Visa® Debit Card for Business Bento
- Any company that is reputable and verified is eligible to apply.
Sam’s Club® Business Mastercard® is ideal for small businesses that make frequent purchases at big-box stores.
Sam’s Club® Mastercard® for Business
Gas stations in the United States, as well as Sam’s Club and Walmart gasoline stations, will get a 5% rebate.
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on Sam’s Club® Mastercard® for Business’s secure website.
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APR on a regular basis
15.65 percent – 23.65%
a yearly fee
Except for a $100 yearly Sam’s Club Plus membership charge, there is no cost.
- Earn Gas stations in the United States, as well as Sam’s Club and Walmart gasoline stations, will get a 5% rebate., 3% on all Sam’s Club purchases, 3% back at restaurants, 1% on all other eligible purchases
Pros
- No a yearly fee
- There are no costs for international transactions.
- It may be used anyplace that accepts Mastercard.
Cons
- Businesses must have a minimum annual sales income of $5 million, be in existence for at least two years, and employ more than ten people.
- There is no sign-up incentive.
- To apply, you must be a Sam’s Club Plus member.
- There are 600 Sam’s Club locations in the United States and Puerto Rico.
- Mastercard® is a single-card convenience that also serves as your Sam’s Club membership card.
APR on a regular basis
15.65 percent – 23.65%
a yearly fee
Except for a $100 yearly Sam’s Club Plus membership charge, there is no cost.
- Earn Gas stations in the United States, as well as Sam’s Club and Walmart gasoline stations, will get a 5% rebate., 3% on all Sam’s Club purchases, 3% back at restaurants, 1% on all other eligible purchases
Pros
- No a yearly fee
- There are no costs for international transactions.
- It may be used anyplace that accepts Mastercard.
Cons
- Businesses must have a minimum annual sales income of $5 million, be in existence for at least two years, and employ more than ten people.
- There is no sign-up incentive.
- To apply, you must be a Sam’s Club Plus member.
- There are 600 Sam’s Club locations in the United States and Puerto Rico.
- Mastercard® is a single-card convenience that also serves as your Sam’s Club membership card.
Why we like it: Sam’s Club® Mastercard® for Business offers substantial rewards if you make frequent big-box store purchases. You can earn cash back on eligible purchases during each calendar year or reward period. During the reward period, earn 5% cash back on your first $6,000 spent at Sam’s Club® and Walmart gas stations, then 1% back for the remainder of the year. You can also earn 3% cash back on eligible purchases at restaurants. If you sign up as a Sam’s Club® Plus Member, you can earn 3% cash back on purchases at Sam’s Club® locations or samsclub.com. You can earn 1% on all other purchases, including Sam’s Club® if you aren’t a Plus member.
Since it’s a Mastercard®, you can use it anywhere Mastercard® is accepted to earn rewards but using it in conjunction with a Sam’s Club® Plus membership allows you to earn even greater savings and rewards. With the Plus membership at $100 a year, you get additional cash rewards, free shipping, and free curbside pickup. There’s no monthly fee or a yearly fee for the card outside of the Sam’s Club® annual membership fee.
Even if you don’t live near one of the 600 Sam’s Club® locations in the United States and Puerto Rico, you can get thousands of items delivered for free with a Sam’s Club® Plus membership from the website in categories like office and technology, home and outdoor, restaurant, bulk foods, janitorial, and more. The amount of cash back you may receive in a single year is capped at $5,000.
Qualification Requirements for the Sam’s Club® Mastercard® for Business
The following are the prerequisites for using the card without a personal guarantee; you may still apply for the card without these qualifications, but card acceptance requires a personal guarantee:
- Credit ranges from good to outstanding.
- Annual income of more than $5 million
- For more than two years, we’ve been in business.
- There are more than ten workers.
The Shell Small Business Fuel Card is ideal for companies with a fleet of vehicles.
Small Business Card Shell
Shell is worth a visit.
on Small Business Card Shell’s secure website.
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- Earn up to 5 cents per gallon in rebates.
Pros
- There are no card fees.
- Jiffy Lube stores provide discounts.
Cons
- To be eligible, a company must make at least $1 million per year.
- The total savings each billing cycle are restricted at $300.
- Account administration through the web and on mobile devices
- Online, you may cancel stolen or lost cards in real time.
- Customer assistance is accessible around the clock.
- Flexible payment options – rotate your debt or pay in full each billing cycle.
- Earn up to 5 cents per gallon in rebates.
Pros
- There are no card fees.
- Jiffy Lube stores provide discounts.
Cons
- To be eligible, a company must make at least $1 million per year.
- The total savings each billing cycle are restricted at $300.
- Account administration through the web and on mobile devices
- Online, you may cancel stolen or lost cards in real time.
- Customer assistance is accessible around the clock.
- Flexible payment options – rotate your debt or pay in full each billing cycle.
Why we like it: The Shell Small Business Fuel Card is accepted at over 14,000 Shell stations throughout the nation, and you can use it to earn up to 6 cents per gallon in Shell rebates, making it a perfect card for fleet cars. Discounts are also available at Jiffy Lube locations that participate.
Access to comprehensive reports is possible with online account management. You get access to purchase controls, data analytics, and 24/7 customer assistance, as well as insight into how and when your workers use their cards.
This card can only be used at Shell stations, but it has no monthly or yearly fees, and you may carry a balance from month to month.
Requirements for obtaining a Shell Small Business Fuel Card
- Annual earnings of at least $1 million
- For at least three years, you’ve been in business.
Small Businesses with Recurring Office Supply and Furniture Purchases should use the Office Depot® OfficeMax® Business Credit Card.
Business Credit Card from Office Depot and OfficeMax
Office Depot and OfficeMax provide a variety of office products.
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on Business Credit Card from Office Depot and OfficeMax’s secure website.
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- On your first $150 purchase, you’ll get a $50 statement credit.
- Flexible payment options are available, as well as the option to pay in full.
- Exclusive deals, sneak peeks, and special discounts are all available.
Pros
- No a yearly fee
- Bonus for new customers
- Applicants with acceptable credit may apply.
Cons
- APR continues to be high.
- To get cashback benefits, you must be registered in the Rewards Program.
- Only valid at Office Depot and OfficeMax locations.
- Office Depot® and OfficeMax® have partnered to create the Office Depot® and OfficeMax® Rewards Program. A free club that pays active members with up to 2% cashback on their favorite supplies, furnishings, equipment, and more.
- Billing statements that are itemized. When utilizing credit cards, Office Depot gives useful information that may assist company owners in appropriate budgeting and spending forecasting.
- Each account may have many cards. The Office Depot® OfficeMax® Business Credit Card allows you to add several cards to a single statement, allowing you to increase the number of authorized users that may use the same performance at the same time.
- On your first $150 purchase, you’ll get a $50 statement credit.
- Flexible payment options are available, as well as the option to pay in full.
- Exclusive deals, sneak peeks, and special discounts are all available.
Pros
- No a yearly fee
- Bonus for new customers
- Applicants with acceptable credit may apply.
Cons
- APR continues to be high.
- To get cashback benefits, you must be registered in the Rewards Program.
- Only valid at Office Depot and OfficeMax locations.
- Office Depot® and OfficeMax® have partnered to create the Office Depot® and OfficeMax® Rewards Program. A free club that pays active members with up to 2% cashback on their favorite supplies, furnishings, equipment, and more.
- Billing statements that are itemized. When utilizing credit cards, Office Depot gives useful information that may assist company owners in appropriate budgeting and spending forecasting.
- Each account may have many cards. The Office Depot® OfficeMax® Business Credit Card allows you to add several cards to a single statement, allowing you to increase the number of authorized users that may use the same performance at the same time.
We like it because: The Office Depot® OfficeMax® Company Credit Card is only valid at Office Depot® and OfficeMax® stores and online, but it’s a smart option if your small business buys office supplies, furniture, technology, breakroom supplies, or cleaning supplies on a regular basis. If you connect your Office Depot® rewards membership to your account, you may earn more rewards, similar to the Sam’s Club® business credit card. On everything you charge, you’ll get a 2% rebate. If you spend $500 in a 12-month period, you’ll be upgraded to VIP level, which gives you 5% back in rewards on ink, toner, paper, and print services, as well as free two-day shipping and other advantages.
There’s no a yearly fee, you can carry a balance each month, and you get a $50 statement credit after your first purchase of at least $150 within 60 days of opening an account.
Office Depot® OfficeMax® Business Credit Card Qualification Requirements
Businesses that are eligible include:
- Governmental bodies
- Organizations that are not for profit
- Corporations For at least three years, you’ve been in business. with more than $5 million in annual sales
The Brex Card is ideal for IT startups and ecommerce companies.
Startups with venture money and no personal assurance
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Brex’s Protected Website
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- The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
- No personal responsibility or security deposit is required, and your credit score will not be affected.
- The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
- A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
- Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
- Limits are ten to twenty times greater than ordinary business cards.
- Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
- There are no costs for international transactions.
- Brex works with Experian to record your on-time payments, which helps you build business credit.
Pros
- There is There is no personal guarantee or security deposit required. required.
- Exceptional awards and credit limitations
Cons
- A corporate bank account with a balance of $100,000 is required.
- The remaining balance must be paid in full.
- Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
- Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
- Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.
- The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
- No personal responsibility or security deposit is required, and your credit score will not be affected.
- The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
- A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
- Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
- Limits are ten to twenty times greater than ordinary business cards.
- Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
- There are no costs for international transactions.
- Brex works with Experian to record your on-time payments, which helps you build business credit.
Pros
- There is There is no personal guarantee or security deposit required. required.
- Exceptional awards and credit limitations
Cons
- A corporate bank account with a balance of $100,000 is required.
- The remaining balance must be paid in full.
- Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
- Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
- Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.
Why we like it: Because the Brex card is a charge card rather than a credit card, it’s ideal for startups and online firms. It may be used anyplace that accepts Mastercard®. Brex automatically withdraws the whole amount of your card on a daily or monthly basis. You’ll need to establish a Brex Cash account to make daily payments. This account’s balance is equivalent to your credit limit. For daily payments, businesses of any size are not required to satisfy any requirements.
Brex will require access to your bank account to establish your card’s limit for monthly payments. Brex’s ability to monitor your bank account balance has an impact on how your card’s limit is determined, which may be 10 to 20 times larger than any other business credit cards.
Brex cardholders get a lot of benefits. You’ll get the best incentives if you pay every day: 8x on ridesharing, 5x on Brex travel, 4x on restaurants, 3x on qualifying Apple products, 1.5x on advertisements, and 1x on everything else if you pay every day. Additional incentives are available for businesses in the IT and life sciences areas. Points may be redeemed in a variety of ways. Points may be redeemed for cash, gift cards, miles, or a credit on your account. It’s one of the most beneficial cards for new firms.
Requirements for obtaining a Brex card
You’ll need the following as a startup:
- EIN
- At all times, keep a minimum of $50,000 in a single US-based business bank account; if self-funded, keep a minimum of $100,000 in a single US-based company bank account.
- Investors who are professionals
As an ecommerce business, you’ll need all of the above, as well as:
- If you’re self-funding, you’ll need $1 million in a US bank account.
Brex cards are not available to sole owners or unincorporated firms.
Other Options for Limiting Liability
For mid- to large-sized firms with substantial yearly income, business cards without a personal guarantee are a better match. If you’re a small company owner who wants to restrict your personal responsibility, here are some suggestions:
- Make on-time payments: If you make your payments on time, you’ll prevent bad credit reports. Make sure you have enough money in your account to cover the debt if payments are automatically deducted from your account when the bill is due.
- Spend responsibly: If you overspend, you increase your chances of not being able to make your payments in whole or on schedule.
- Manage employee spending: If it’s available, use online account management to apply spending controls and limits on employee cards. Limit the The Total The Total Number of Cards to only necessary users and review employee card use each month.
How We Decided on the Best Business Credit Cards That Don’t Require a Personal Guarantee
We looked at costs, convenience of application, and any perks or bonuses to find the best business credit cards with no personal guarantee. We also thought of how the card may be utilized in a variety of situations.
Conclusion
There is a small selection of the finest business credit cards with no personal guarantee, but there are a few cards that can be a suitable match if you want to restrict your personal responsibility and have extremely specified spending categories. Keep in mind that some of these cards enable you to rotate your balance each month, while others require you to pay the whole debt at the end of each payment cycle. It’s crucial to use the card wisely and in accordance with your budget, just like any other credit card. Check out our post on the top small company credit cards for a larger variety of credit cards that are accessible to more small business owners.
The “capital one business credit card no personal guarantee” is a credit card that has no personal guarantee. This means that the company cannot provide any guarantees on the cards issued or their performance.
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