EIN-only business credit cards with no personal guarantee allow companies to access credit based on business financials rather than the owner’s personal credit. Unlike traditional business cards, these options reduce personal liability by evaluating cash flow, revenue, and spending behavior, rather than requiring a personal guarantee.

In fact, the concern is more common than it seems. According to the Federal Reserve’s 2021 Small Business Credit Survey, 62% of small firms facing financial challenges used personal funds, and 51% paid business expenses with their personal funds to keep their businesses afloat. This overlap increases financial exposure and limits how confidently businesses can scale.

Below, we break down the three best EIN-only business credit cards with no personal guarantee, explaining how they work, who they’re best for, and where their limitations apply.

What Is a Personal Guarantee?

A personal guarantee is a legal commitment that makes the business owner personally responsible for a company’s debt. If the business fails to repay what it owes, the lender can recover the money from the owner’s personal assets. This can include savings, personal bank accounts, or even credit history.

Many traditional business credit cards require a personal guarantee, even when the card is issued under a business name. That structure may help with approval, but it shifts risk from the lender to the founder. Over time, this can limit financial flexibility and increase personal exposure.

This is why many companies now look for a business credit card without a personal guarantee or a business credit card using an EIN only. These options assess the business itself rather than relying on personal credit. For startups and growing teams, avoiding a personal guarantee helps keep personal finances protected while still accessing working capital.

How EIN-Only Business Credit Cards Work Without a Personal Guarantee

EIN-only business credit cards are designed to assess the business entity rather than the individual owner. Instead of relying on a Social Security number (SSN) or personal credit score, these cards focus on how the company operates financially.

Key elements issuers typically evaluate include:

• Business cash flow and balances
• Revenue patterns and growth signals
• Company spending behavior
• Overall financial stability, often reviewed through linked business accounts

This structure allows companies to qualify for a business credit card without personal liability, reducing personal risk for founders. Unlike traditional small business cards, approval and limits can be adjusted based on business performance.

Because underwriting models differ, not every EIN-only card offers the same level of flexibility or spending capacity, making it essential to compare how each issuer evaluates risk.

Best 3 EIN-Only Business Credit Cards

Below are three EIN-only business credit cards with no personal guarantee, each suited to different business needs.

Below are three EIN-only business credit cards with no personal guarantee, each designed for different types of business spending and operational needs.

1. Brex — Best Overall EIN-Only Business Credit Card With No Personal Guarantee

Brex is designed for companies that want business credit without personal financial exposure. It allows businesses to apply using only an Employer Identification Number (EIN), with no personal guarantee or credit check. 

Instead of relying on a founder’s credit history, Brex evaluates a company’s financial health and growth signals, making it well-suited for startups and scaling teams.

Why Brex Stands Out as a Modern Business Credit Card

Brex is built for growing businesses that need more flexibility than traditional business credit cards can offer. It provides up to 30× higher credit limits by evaluating a company’s financial health rather than relying on a founder’s personal credit score. 

This gives businesses more spending power for software, marketing, vendors, and expansion without constantly running into low credit limits. Brex also supports EIN-only applications, meaning no personal credit check or personal guarantee is required, helping founders keep personal and business finances separate. 

In addition, Brex is accepted in 200+ countries, making it suitable for companies working with international vendors, global tools, or remote teams, while simplifying cross-border spending and recurring international expenses. 

Beyond these advantages, Brex includes tools that help businesses manage spending, teams, and payments more efficiently.

Case Study: How Signifyd Uses Brex

The Problem: As Signifyd expanded, company spending was increasing across multiple teams. Managing payments using personal credit cards was risky and inefficient. Expense tracking lacked visibility, approvals were slow, and leadership wanted to avoid personal liability while keeping business finances clearly separated.

The Solution: Signifyd adopted Brex to centralize and control company-wide spending. Brex allowed the company to issue cards to teams with predefined limits and approval rules, all tied to the business rather than individual executives. This removed the need for personal guarantees while giving finance teams full oversight.

The Outcome: With Brex in place, Signifyd achieved better spend visibility, faster approvals, and cleaner separation between personal and business finances. The company scaled its operations smoothly while maintaining control, compliance, and financial clarity across teams.

2. BILL Divvy Corporate Card

The BILL Divvy Corporate Card is built for companies that want structured control over spending rather than open-ended flexibility. It operates as an EIN-based corporate card and does not require a personal guarantee, making it appealing to finance teams focused on keeping business and personal finances separate. Divvy also has a nice budgeting framework, where every dollar is assigned before it is spent.

Divvy allows companies to set department-level budgets, create approval workflows, and monitor expenses in real time. This setup works well for organizations with predictable spending and a centralized finance function. The platform is often used by teams that value discipline and cost control over speed.

However, the same structure can feel restrictive as a business grows. Credit limits are closely tied to available cash, which may limit flexibility during expansion. International usage and broader spending scenarios are also more limited. For companies that need faster scaling and fewer constraints, Divvy is a good choice.

3. Shell Small Business Card

The Shell Small Business Card is designed for companies with consistent, fuel-heavy expenses. It allows EIN-based approval and does not require a personal guarantee, which helps keep business liability separate from personal finances. For logistics companies, field service teams, and delivery-based businesses, this card can simplify fuel spending and provide basic visibility into vehicle-related costs.

The card works well for tracking fuel purchases, monitoring driver activity, and consolidating fuel expenses into a single account. Businesses with predictable routes and recurring fuel needs may find this structure easy to manage.

That said, the Shell Small Business Card is highly specialized. Its usefulness drops quickly outside fuel purchases. It offers limited flexibility for general business spending, digital tools, or online subscriptions. Rewards and controls are tied mainly to fuel use, and broader expense management features are minimal. For companies with diverse or rapidly evolving spending needs, the card can feel narrow and restrictive over time.

Each of these EIN-only business credit cards removes the burden of a personal guarantee, but they serve very different purposes. Some prioritize flexibility and scale, others focus on tight controls or specific expense categories. The right choice depends on how broadly your business spends today and how much room you need to grow tomorrow.

Comparison Table: EIN-Only Business Credit Cards

Here’s a quick look at the differences between the top EIN-only business credit cards with no personal guarantee.

 

Feature	Brex Business Credit Card	BILL Divvy Corporate Card	Shell Small Business Card
EIN-Only Application	✔	✔	✔
No Personal Guarantee	✔	✔	✔
Personal Credit Check Required	✖	✖	✖
Credit Limits Based on Business Health	✔	Limited	✖
General Business Spending	✔	Limited	✖
Expense Controls & Visibility	✔	✔	✖
Scales With Growing Teams	✔	Limited	✖

 

All three cards avoid personal guarantees, but they are built for very different use cases. Some focus on narrow spending needs, while others are designed to support broader, growing business operations.

Conclusion 

Personal guarantees remain one of the biggest hidden risks in business credit. That’s why EIN-only business credit cards with no personal guarantee are becoming a preferred choice for founders who want to keep personal assets protected. These cards allow companies to access credit based on business performance rather than personal credit history.

Still, not every EIN-based business credit card offers the same flexibility, limits, or scalability. Before applying, it’s important to compare how each option supports real-world spending. 

Choosing the right business credit card using an EIN only can reduce personal risk and give your company room to grow with confidence.