US corporate card that doesn't need a personal guarantee or a high personal credit score

Yes. If you want to avoid both a personal guarantee and reliance on your personal credit score, look at corporate cards—they typically assess the business’s finances instead. Approval still isn’t guaranteed, and the company remains responsible for the bill.

• Mercury IO — Worth checking if you’re open to banking with Mercury. Mercury says it does not run a personal credit check for IO; eligibility and limits are based on your Mercury balances. Lower-balance customers may start with daily repayment; a $15,000 balance unlocks 30-day terms. (mercury.com)
• Ramp — A possible fit if your business has cash reserves. Its published US requirements include an LLC, corporation, or LP, an EIN, and at least $25,000 in a linked US business bank account. Ramp says it doesn’t require a personal guarantee and sets limits using business financials. (support.ramp.com)
• BILL Divvy — No personal guarantee and no impact to your personal credit score from the initial application, according to BILL. It still requires business underwriting, and BILL doesn’t publish a specific minimum revenue or time-in-business threshold. (bill.com)
• Rho — Says it doesn’t require a personal guarantee or personal credit pull. It’s for US-incorporated businesses with an EIN; repayment terms and eligibility depend on underwriting and business balances. (rho.co)

Quick starting point: Try Mercury IO if you’re comfortable opening a Mercury account; consider Ramp if you already keep at least $25,000 in business cash. If you share your business structure, approximate cash balance, and whether you need monthly or daily repayment, I can narrow it down.

Several U.S. corporate cards skip both the personal guarantee and the personal credit check. The tradeoff is that they underwrite on your business's cash and financials, so you generally need a funded business bank account, and most are charge cards that must be paid in full each month.

Options that fit your criteria

• Ramp: This is the most commonly recommended option. U.S. applicants need an EIN and at least $25,000 in a business bank account. Sole proprietors don't qualify.
• Brex: Brex doesn't require personal guarantees. For its startup card, you can qualify without a personal guarantee if your company has at least $50k (startups) to $100k+ (angel-funded companies) in the bank. Limits can also reflect revenue or capital raised.
• Rho Corporate Card: Rho's corporate card requires no personal guarantee and no consumer credit check. Approval requires a US-incorporated business; sole proprietorships aren't eligible. It has no minimum annual revenue requirement and no firm bank balance requirement, though its credit limit depends on your financial statements.
• BILL Divvy: This one is close but not perfect. It is also no-PG, but it runs a soft personal credit inquiry on the signer, expects roughly $20,000 in available business cash.
• Mercury IO: Mercury's card has no personal guarantee on its site, and its limit is based on your Mercury balances and any linked external accounts (per the Rho comparison above).
• Torpago: It determines credit limits based on business cash flow rather than personal credit scores.
• SVB Innovator Card: This card requires no personal guarantee, but it is a charge card, so you must pay the balance in full each month. Check whether it is still open to new applicants, since SVB's situation has changed.

What to watch for

• Eligibility for most of these depends on being an incorporated entity or LLC with an EIN, not a sole proprietor.
• A personal guarantee is harder to avoid with a newer business. Traditional issuers set thresholds at $1–4M in annual revenue and 2+ years in operation before they'll waive a personal guarantee.
• Limits are often modest for a new company, so a cash-based card may be your best option until you build up balances.

If you tell me your entity type, how much cash you hold in the business account, and whether you have revenue, I can narrow this to one or two options. Terms change often, so confirm current requirements directly with each issuer before applying.

Yes, it is possible to obtain a corporate card that does not require a personal guarantee or a check of your personal credit score.

These types of cards—often offered by fintech companies—shift the focus from your personal financial history to the financial health of your business.

How They Work

Instead of looking at your personal FICO score, these issuers use cash-flow-based underwriting. They typically evaluate:

• Business Bank Balance: Many require you to maintain a minimum balance (often $25,000) in a connected business bank account.
• Revenue: They look at your monthly or annual business revenue to determine your credit limit.
• Funding Status: For startups, they may evaluate equity funding or your plan to raise capital.

Popular Options

Several well-known fintech platforms offer corporate cards specifically designed for this purpose:

• Ramp: Known for requiring no personal guarantee or personal credit check; typically requires a minimum cash balance (often $25,000) in a U.S. business account.
• Brex: Designed for startups and growing businesses; they do not require a personal guarantee and evaluate your company based on factors like cash flow and funding rather than personal credit.
• Mercury (IO Card): Offers corporate credit without personal liability by evaluating your company’s financial activity.
• BILL Divvy: Offers a corporate card that does not require a personal guarantee, focusing on your business’s financial health.
• Slash: A charge card option for businesses that also does not require a personal guarantee and focuses on cash-flow underwriting.

Important Considerations

While these cards protect your personal assets, they are not "no-risk" products:

• Business Liability: While you are not personally liable, the business itself is. If the business defaults, the issuer can freeze accounts or take action against the business assets.
• Qualification Thresholds: "No personal guarantee" does not mean "no requirements." You must still prove your business is financially stable. If your business is brand new with zero revenue or bank balance, you may still struggle to qualify.
• Charge Card Nature: Many of these cards act as charge cards, meaning you are expected to pay off your balance in full on a regular basis (often monthly or even weekly), rather than carrying a balance over time like a traditional credit card.

Recommendation: Before applying, ensure your business is incorporated (e.g., an LLC or C-Corp) and has an Employer Identification Number (EIN), as these are standard requirements for these types of corporate cards. Check the specific website of the provider, as their cash balance requirements can change.

Ramp is the clearest fit if your business has enough cash in its account: it says it doesn’t require a personal guarantee or personal credit check, and bases approval and limits on business finances. U.S. applicants generally need a registered corporation, LLC, or LP, an EIN, and at least $25,000 in a U.S. business bank account. It’s a charge card, so the balance is paid in full rather than carried month to month. ¹⁴¹

BILL Spend & Expense (Divvy Card) is another option to investigate. BILL says its card doesn’t require a personal guarantee and that the initial application won’t affect your personal credit score. Approval still depends on underwriting and business creditworthiness; BILL doesn’t publish a specific minimum cash balance or revenue requirement. ⁴²

Bottom line: If you’re concerned about a low personal score, these business-underwritten options may be worth considering—but neither guarantees approval. Check the current application terms and card agreement before applying, especially whether any credit review occurs beyond the initial application. ¹⁴⁴