True EIN-only, no-personal-guarantee business cards are rare corporate charge cards — not traditional credit cards. They underwrite on business financials, not your SSN. Here's what they are, who qualifies, and the tools to help your LLC get one.
Most small-business credit cards blur the line between personal and business liability. The fine print almost always includes a personal guarantee — meaning if your LLC defaults, the issuer can come after your house, your savings, your personal credit score. True EIN-only cards with no personal guarantee sidestep this entirely. They're not traditional credit cards at all; they're corporate charge cards that underwrite on your business's financials, not the owner's SSN.13
The catch: they're rare, the eligibility bar is high, and most require your business to already have meaningful cash in the bank. This guide covers what's available, who qualifies, and the tools that can help you get there.
An EIN-only card uses your Employer Identification Number — not your Social Security Number — for the application and underwriting. No personal credit check, no personal guarantee. If the business can't pay, the issuer's recourse is against the business, not you personally.34
These are almost always charge cards, not revolving credit cards. That means you pay the full balance every month — no carrying debt, no interest charges. The trade-off for skipping the personal guarantee is that the issuer takes on more risk, so they compensate by requiring stronger business financials upfront.12
Major issuers like American Express, Bank of America, Capital One, Chase, and Wells Fargo all require personal credit checks and personal guarantees on their business cards. Even Capital One's Spark Cash Plus — a popular 2% cash-back charge card — still requires a personal guarantee.35
A handful of fintech issuers dominate this space. Here's how they compare:
| Card | Min Cash/Revenue | Rewards | Eligibility |
|---|---|---|---|
| Ramp | $25K min bank balance | Up to 1.5% cashback | LLCs and corps only |
| Brex | $50K+ from professional investors | 7x–1x points | Well-funded startups |
| BILL Divvy | $20K min cash balance | Up to 7x points | Sole proprietors and LLCs |
| Rho | Flexible | Up to 1.5% cashback | LLCs and corps |
| Sam's Club Business | Varies | Retail-focused | Optional PG |
Ramp is widely rated as the best overall no-PG card. It has no annual fee, earns up to 1.5% cashback, and requires a minimum $25K in your business bank account. It's available to LLCs and corporations only — not sole proprietors.12
Brex created the first corporate card for startups with EIN-only application. It requires $50K+ in cash from professional investors (or equivalent), offers rewards of 7x on rideshare, 4x on Brex travel, 3x on restaurants, and 2x on software, and includes $350K+ in partner perks from AWS, Slack, and UPS. Credit limits can be up to 30x higher than traditional cards, based on your cash balance and revenue.14
BILL Divvy (formerly Divvy) has the lowest cash requirement at $20K and is the most accessible option for sole proprietors and smaller LLCs. It offers up to 7x points on certain categories.23
Rho offers flexible qualification criteria and up to 1.5% cashback, making it a solid alternative if Ramp or Brex don't fit your profile.2
Sam's Club Business Mastercard is worth noting because it offers an optional personal guarantee — not a true no-PG card, but useful for retail-focused businesses that want flexibility.1
Note: The Stripe Corporate Card, which was previously an EIN-only no-PG option earning 1.5% cashback, is no longer available directly to business owners. Stripe now provides card infrastructure to other issuers.24
A personal guarantee is exactly what it sounds like: a legal promise that you, personally, will repay business debt if the business cannot. Issuers require them because startup risk is real — approximately 20% of new businesses close within their first year, according to the Bureau of Labor Statistics.3
Corporate cards like Ramp and Brex bypass the personal guarantee by underwriting on different signals entirely: your business's cash balance, monthly revenue, and sometimes investor backing. Instead of pulling your personal credit report, they look at your business bank account and financials to set credit limits.14
This model works because charge cards require full monthly repayment — the issuer's risk window is much shorter than a revolving credit card. They're essentially extending short-term payment infrastructure, not long-term credit.
To qualify for an EIN-only no-PG card, most issuers want to see:
If you're a new founder who hasn't yet formed an LLC or obtained an EIN, that's step one. Services like Stripe Atlas can handle the incorporation and EIN application in one flow — and Brex specifically notes that founders can apply for a Brex account through Stripe Atlas while waiting for their EIN.4
The cards above are the destination. These are the tools that help you get there — whether you need to incorporate, manage payments infrastructure, or set up business banking that pairs with a corporate card strategy.
(Disclosure: We may earn a commission when you sign up through links on this page. That doesn't influence our recommendations — we'd say the same thing either way.)
If you don't yet have an LLC or an EIN, this is where you start. Stripe Atlas handles incorporation and the IRS EIN application in a single flow, which is the prerequisite for every card on this list. Brex explicitly supports applying for an account through Stripe Atlas while your EIN is still pending, so you can begin the corporate card process before the paperwork is fully done.4
For founders who are pre-revenue or just forming their entity, this removes the most common bottleneck: the administrative setup that stands between you and an EIN-only card application.
Stripe's platform historically included the Stripe Corporate Card — an EIN-only, no-PG charge card earning 1.5% cashback. That card is no longer available directly to business owners.24
However, Stripe now provides card-issuing infrastructure to other companies. If your business already runs on Stripe for payments, the ecosystem integration may matter when evaluating which corporate card or banking partner to pair with it. This isn't a card itself — it's the rails underneath.
Wise Business provides multi-currency accounts that pair well with EIN-only corporate card strategies for LLCs separating personal and business finances. If your business handles international payments — paying contractors abroad, receiving foreign-currency revenue, or managing multiple currency balances — Wise Business can sit alongside a corporate charge card as your operational banking layer.
It's not a credit card and doesn't replace Ramp or Brex. Think of it as the business account where your $25K–$50K minimum balance lives, especially if cross-border payments are part of your workflow.
EIN-only cards with no personal guarantee are a narrow category. They're corporate charge cards — not credit cards — from a small group of fintech issuers (Ramp, Brex, BILL Divvy, Rho) that underwrite on cash and revenue rather than personal credit. The eligibility requirements are real: a formal LLC, an EIN, and typically $20K–$50K+ sitting in a business bank account.
If you're already there, Ramp is the strongest all-around option for most LLCs. If you're not there yet, the path starts with incorporation and an EIN — and the tools above can help you get through that first step.
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