Corporate Cards with No Personal Guarantee

7 Corporate Cards tools that qualify — compared on sourced, continuously re-verified facts.

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

No Personal Guarantee: Yes

Full profile Visit Brex

Ramp

Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.

No Personal Guarantee: No personal credit check or personal guarantee

Full profile Visit Ramp

Mercury

Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.

No Personal Guarantee: No personal guarantee and no personal credit check

Full profile Visit Mercury

BILL Spend & Expense

Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.

No Personal Guarantee: Underwritten on business financial health, not a personal guarantee.

Full profile Visit BILL Spend & Expense

Rho

All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.

No Personal Guarantee: No personal guarantee, personal credit check, or personal credit score pull

Full profile Visit Rho

Revolut Business

Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.

No Personal Guarantee: Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.

Full profile Visit Revolut Business

Wise Business

Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.

No Personal Guarantee: Balance-funded debit card; no personal guarantee or credit check

Full profile Visit Wise Business

How this list is built. Every Corporate Cards tool here qualifies on a verified, first-party fact — no unsourced opinions. Affiliate disclosure: we may earn a commission when you sign up through outbound links here, at no extra cost to you — commissions never influence our data or rankings. Full disclosure.