Updated 2026-06-01
No-personal-guarantee corporate cards, ranked
Cards that don't put the founder's house on the line — what's actually available.
Quick answer
TL;DR
Cards that don't put the founder's house on the line — what's actually available.
- •US: Brex, Ramp, Rho, BILL Spend & Expense, Mercury IO all underwrite without PG.
- •Europe: Pliant and Moss offer real credit without PG to qualifying companies.
- •Eligibility is the catch — usually $25k+ in bank balance or $100k+ ARR.
Why this matters
Most legacy business credit cards (Amex, Chase, Capital One) require a personal guarantee from the founder. That means the founder is personally liable if the company defaults. For VC-backed startups and founders with significant personal assets, this is a non-starter.
The shortlist
Brex pioneered the model in the US. Ramp, Rho and Mercury IO followed. In Europe, Pliant and Moss issue real credit lines (not prepaid) without PG to qualifying companies.
The catch
All of these require some financial signal — either cash balance, MRR or revenue. They're not 'no underwriting' — they're 'no personal liability'. The underwriting moves from your credit score to your bank account.