Business Credit Cards With No Personal Guarantee
Every traditional business card from Amex, Chase, Capital One, and Citi requires a personal guarantee — meaning if the business defaults, the issuer can come after your personal assets and credit. For mature agencies running serious volume, no-PG alternatives are worth knowing about.
By Editorial Team · Media buyer research desk
Published May 28, 2026 · 6 min read · How we review
Why personal guarantees matter
A PG ties your personal FICO to your business card. The balance reports to your personal credit (or doesn't — varies by issuer) and any default exposes personal assets. For a sole prop, this is unavoidable; for an established LLC or C-corp, no-PG cards meaningfully reduce risk.
Brex — corporate card, no PG
Underwrites on cash balance and revenue. Requires $50K+ in business bank account typically. Limits scale with deposits. Earns: 7x rideshare, 4x Brex travel, 3x restaurants, 1x other. Mediocre on ad spend rewards but excellent on limit and spend controls.
Ramp — corporate card, no PG
Similar underwriting to Brex. 1.5% flat cashback. Strong on automation and accounting integration; weak on rewards. Free, no annual fee.
Capital One Spark for Business
Most Capital One Spark cards do require a PG. Worth noting because they're often mistakenly listed as no-PG.
When PG is actually fine
If your agency is profitable, has reserves, and your personal finances are stable, a PG is mostly theoretical risk. Amex and Chase business cards rarely report to personal credit if paid on time. Don't pay 5% in foregone rewards to avoid a small theoretical risk.
Takeaway
Brex and Ramp are real no-PG options that work well as the overflow / team-spend layer of an agency credit stack. Use traditional Amex/Chase for rewards on the first $300K of ad spend per year, then layer Brex or Ramp for scale.