3 Best EIN-Only Credit Cards with No Personal Guarantee in 2025

When most businesses apply for a credit card, they end up signing a personal guarantee: a legally binding promise that if the business can’t pay, the founder or guarantor becomes responsible. In many contracts, this means the issuer can pursue personal assets even if the company is an LLC or corporation.

And this can make even a single downturn or delayed invoice harmful for both the business and the owner’s personal credit. As a result, more entrepreneurs are seeking Employer Identification Number (EIN)-only business credit cards that separate personal and business liability entirely.

In this guide, we review the three best EIN-only credit cards with no personal guarantee in 2025, explaining what makes them safer, smarter, and better suited for fast-growing startups.

1) Brex — Best Overall EIN-Only Business Credit Card

The Brex business credit card is an EIN-only business credit card with no personal guarantee that underwrites on business fundamentals (cash flow, revenue, funding) instead of a founder’s personal score. That gives startups a high-limit business credit card that scales with performance — often up to 10–20× higher limits than bank cards tied to personal credit.

Brex pairs the card with a modern cash stack, allowing founders to manage their card, expenses, and treasury in one place. You get a high-yield treasury product with same-hour liquidity, and a Vault option that spreads deposits for up to $6M in FDIC insurance — a standout for teams managing investor funds and operating cash.

Brex is also built for global scale. Cards and payments are accepted in over 200 countries and 60+ currencies through its direct Mastercard network, which enables multinational or distributed teams to maintain consistent spending across entities.

Why startups pick Brex (what you actually feel day-to-day)

●      No personal guarantee, EIN-only approval → true separation of business and personal liability; no personal credit checks or reporting to consumer bureaus.

●      High, dynamic limits → best EIN-only credit card for startups 2025 when you need room to scale without serial limit bumps.

●      AI-powered spend controls at the point of sale → budgets and categories enforced automatically; fewer end-of-month surprises.

●      Built-in expense automation → receipts, reimbursements, and QuickBooks/Xero/NetSuite sync reduce manual close work.

●      FDIC-insured business account up to $6M via Vault; keep operating cash protected while it earns a yield.

●      Global-ready corporate card → multi-currency spend, international acceptance; startup corporate card for global teams.

●      Top-rated mobile experience and 24/7 support for founders on the move (Brex markets its app as “five-star”).

Brex also helps you build business credit by reporting payment history to major business bureaus — useful when you want better terms from vendors or lenders without touching personal credit.

Real-World Proof: How Brex Powers Fast-Growing Startups

Startups like Hatchproof show exactly why the Brex business credit card is considered the best EIN-only business credit card with no personal guarantee in 2025. As the company scaled, its finance team struggled with slow credit approvals, limited global access, and disconnected banking tools. They needed a modern, high-limit solution that could match their growth speed.

By switching to Brex, Hatchproof combined credit, spend management, and banking into one streamlined platform. With real-time expense tracking, AI-driven budget controls, and multi-currency payment support, their financial workflows became faster and more transparent. You can read more about such successful business transformations here.

Founder Imran Syed, who leads Hatchproof’s global expansion, shared:

“With Brex, I’ve never had to worry. They’ve scaled seamlessly with us, giving us all the credit we need and then some.” — Imran Syed, Founder & CEO, Hatchproof

Today, Hatchproof manages liquidity with Brex’s FDIC-insured business account, enjoys up to 20× higher credit limits, and leverages Brex rewards to reinvest in growth initiatives — all without a personal guarantee.

Verified Brex Reviews (G2 2025)

“What I like best about Brex is how seamlessly it integrates expense management, card controls, and real-time tracking into one intuitive platform. It removes the friction of traditional corporate card systems by offering instant approvals, flexible limits, and smart categorization of expenses. The interface is clean, the mobile app is powerful.” — Daniel R., VP of Engineering, Small Business (50 or fewer employees)

According to over 1,400+ verified Brex reviews on G2, users consistently highlight Brex’s flexible credit limits, easy international payments, AI-powered automation, and industry-leading mobile experience. With an average rating of 4.8 / 5, Brex ranks among the best business credit cards for startups and remains a top choice for founders seeking financial control, high-limit rewards, and scalability.

2) Ramp Corporate Card — Automation and Cost Control Focus

Ramp offers an EIN-only corporate card with no personal guarantee and solid automation tools aimed at cost control. It’s designed for finance teams that want to save time on expense tracking rather than chase points or rewards.

Ramp analyzes real-time cash balances to determine limits and emphasizes spend efficiency over growth rewards.

Highlights

●         1.5 % flat cashback on all purchases.

●         Integrated expense software with automatic receipt matching.

●         Smart alerts and category-based budget enforcement.

●         Accounting integrations with QuickBooks and NetSuite.

Ramp is efficient for established teams managing steady cash flow, though its reward structure and global reach are narrower than Brex. Brex takes automation further by combining spend control with a treasury yield and wider currency support — a difference that matters once you start scaling internationally.

3) Rho Corporate Card — Flexible Credit and Finance Dashboard

Rho provides a unified banking and spend-management platform with a corporate card that also comes without a personal guarantee. It focuses on giving CFOs and controllers greater customization over how credit and budgets are distributed.

Rho’s card ties directly into its account platform, letting companies manage cards, payments, and treasury from one interface.

Highlights

●         Variable cashback or flexible repayment options.

●         Role-based controls and departmental budgets.

●         Integrations with Sage Intacct and NetSuite.

●         Access to domestic and international wire transfers.

It’s a capable choice for larger organizations with multiple departments and predefined workflows. That said, Brex’s integrated treasury yield, FDIC vault, and global acceptance still make it a more complete financial solution for younger, high-growth startups.

Quick Comparison Table

Based on this comparison, Brex clearly stands out as the best EIN-only business credit card in 2025. It combines no personal guarantee approval, higher spending limits, and a built-in treasury account with up to $6M FDIC insurance—something other cards don’t offer together. Add to that Brex’s AI-powered expense management, instant approvals, and growth-focused rewards, and it’s easy to see why founders consistently rate it among the top-reviewed business credit cards for startups on G2 and other platforms.

Final Takeaway

EIN-only business credit cards are transforming how founders build financial independence. They remove personal liability while still offering credit power, automation, and transparency.

Among the options available, Brex stands out for combining no personal guarantee, high-limit flexibility, same-hour liquidity, global reach, and FDIC-insured treasury management in a single platform.

For startups aiming to grow fast — and safely — it remains the best EIN-only business credit card 2025 to start with.