Business Gas Cards Without Personal Guarantee: Top Options for 2026

Most business credit cards require a personal guarantee—a legal agreement that makes you personally liable for your company's debt if your business can't pay. For fleet owners and small business operators, that means putting personal assets like your savings, home, or investments on the line every time you fuel up.

But there's good news: you don't have to accept that risk. Several fleet fuel cards and business gas cards now offer credit without personal guarantees, giving you access to fuel savings and expense management tools without tying your personal credit score to your company's balance sheet.

Key Takeaways

• Personal guarantees create risk: Traditional business credit cards require you to personally cover business debt if your company defaults—putting personal assets at stake
• No-PG options exist: Fleet fuel cards like AtoB, Coast, and prepaid solutions let you access fuel discounts and credit lines without signing a personal guarantee
• Prepaid cards avoid credit checks entirely: AtoB Unlimited and similar prepaid fleet cards require no personal credit check, making them accessible to businesses with limited credit history
• Business credit building: Some no-personal-guarantee cards report to business credit bureaus, helping you build business credit without risking personal credit score damage
• Spending limits and controls: Modern fleet cards offer spending limits, real-time alerts, and security features that help you monitor fuel usage and restrict purchases to authorized categories
• Cost savings add up: The best business gas cards deliver per-gallon rebates of 3¢ to $2.00, plus fraud protection and IFTA automation that reduce fuel expenses and administrative burden

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Top Business Gas Cards Without Personal Guarantee

1. AtoB — Best Overall for No Personal Guarantee Fuel Cards

AtoB stands out as the top choice for business owners who want deep fuel discounts, universal acceptance, and credit access without putting personal assets at risk. Unlike legacy fleet card providers, AtoB was built from the ground up with modern technology and transparent pricing—offering both credit and prepaid options to fit different business needs.

No Personal Guarantee Required. AtoB offers credit through its Flex card without requiring a personal guarantee for qualified businesses. Your personal credit score and personal assets remain separate from your business spending. For businesses that don't qualify for credit or prefer to avoid credit entirely, AtoB Unlimited provides a prepaid option with no personal credit check required.

Two Card Options:

• AtoB Flex (Credit): Credit line based on cash flow, no personal guarantee, pay at end of billing cycle
• AtoB Unlimited (Prepaid): Load funds in advance, no credit check, no credit limit concerns—ideal for new LLCs or businesses with limited credit history

Acceptance: 99% of U.S. gas stations. AtoB cards work anywhere Mastercard is accepted, so drivers never waste time searching for approved locations. This universal acceptance eliminates the frustration of network restrictions that limit many branded fleet cards.

Fuel Savings: Average savings of $0.45 per gallon on diesel at truck stops, with discounts up to $2.00 per gallon at select locations. AtoB's discount network spans more than 30,000 gas stations and 3,500 truck stops nationwide.

Monthly Fees: $3 per card monthly for the Unlimited (prepaid) plan, or $15 minimum monthly for up to 5 Flex (credit) cards. One-time $35 setup fee. No transaction fees, no swipe fees, and no foreign transaction fees buried in the fine print.

Spending Controls: Set spending limits per transaction or time period, restrict purchases to fuel only, and receive real-time alerts when employees use their cards. The AtoB app gives fleet managers complete visibility into fuel usage and business spending across the entire fleet. Premium subscribers ($6/card/month) unlock advanced security features, including app-based card unlock and telematics-based fraud prevention.

Cash Flow Benefits: Choose between the prepaid Unlimited card for budget control or the Flex credit card for improved cash flow. AtoB extends credit to small businesses based on cash flow rather than traditional credit score requirements—without requiring personal guarantees.

Business Credit Building: AtoB reports payment activity to Experian for both Flex and Unlimited cards, helping small businesses build business credit with every fuel purchase. Even the prepaid option contributes to your business credit profile, potentially qualifying you for better financing options over time.

Additional Perks: IFTA tax reporting automation, driver payroll features, up to $250,000 in fraud protection, and 24/7 multilingual support. The platform also handles vendor payments and non-card instant transfers via Zelle, Venmo, PayPal, and push-to-card options.

Best For: Fleet owners and owner-operators who want the combination of fuel savings, universal acceptance, and flexible payment options without risking personal assets. Whether you're a new LLC needing the prepaid Unlimited card or an established fleet ready for the Flex credit line, AtoB delivers fleet-grade features without personal liability.

Learn more about AtoB fleet cards →

2. Coast — Best for Tech-Forward Fleet Management

Coast offers a modern fleet card built on the Visa network, providing universal acceptance with no personal guarantee requirements. The company focuses on spend controls and automation rather than maximum per-gallon rebates.

No Personal Guarantee Required. Coast explicitly does not require personal guarantees for approved businesses. However, sole proprietorships are not eligible—you'll need to be structured as a partnership, corporation, or LLC.

Acceptance: Universal acceptance anywhere Visa is accepted. Drivers can fuel up at virtually any gas station nationwide without network restrictions.

Fuel Savings: Rebates of $0.03 to $0.09 per gallon at over 34,000 partner gas stations, with a baseline $0.01 per gallon rebate at non-partner locations. Coast also offers 1% cash back on non-fuel business purchases. Cash rewards accumulate automatically and can be applied as a statement credit to your account.

Monthly Fees: $4 per active card monthly. No setup fees. Late payment fees apply (the greater of 1% of the overdue amount or $35).

Spending Controls: Real-time notifications, driver-level controls, GPS tracking integration, and automated receipt capture. The platform integrates with accounting software for simplified reconciliation.

Additional Perks: 10% discount on maintenance at participating Jiffy Lube locations, plus discounts on QuickBooks products.

Best For: Tech-savvy businesses that prioritize automation and controls over maximum fuel discounts. Works well for fleets with unpredictable routes that need guaranteed acceptance everywhere.

3. Comdata Connect Card — Best for Truckers at Major Truck Stops

Comdata's Connect Card is a pay-as-you-go prepaid fuel card designed specifically for truckers, offering discounts at major truck stop chains without requiring a credit check or personal guarantee.

No Credit Check Required. The Comdata Connect Card is a prepaid fuel card—load funds and drivers spend from the balance. No personal credit check, no business credit evaluation, and no personal guarantee required.

Acceptance: Over 8,000 Comdata network truck stops nationwide, including Love's, Pilot/Flying J, and TA/Petro. While not as universal as Mastercard-based options, the network covers the major truck stop chains where most long-haul truckers fuel up.

Fuel Savings: Diesel savings up to 40¢ per gallon at TA/Petro, up to 8¢ at Love's, and up to 10¢ at Pilot and 4,000+ additional stations. The discount structure favors truckers who can plan routes around major truck stop chains.

Monthly Fees: No monthly account fees and no truck stop fees at participating locations. The pay-as-you-go model means you only pay for the fuel you purchase.

Spending Controls: Custom card controls including limits by time, day, gallons, or price. Real-time alerts help stop fraud and misuse at the pump. Track all expenses through a single dashboard.

Additional Perks: Up to 65% savings on tires and maintenance services through Comdata's network. The card also provides access to Comdata's broader fleet management ecosystem for companies looking to expand services over time.

Best For: Owner-operators and small fleets that primarily fuel at major truck stop chains (Love's, Pilot/Flying J, TA/Petro) and want simple prepaid pricing without credit requirements. Less ideal for fleets that need universal gas-station acceptance.

4. RoadFlex — Best for Visa Acceptance with Credit Reporting

RoadFlex offers a no-credit-check prepaid fuel card with broad Visa acceptance and Experian reporting for business credit building.

Acceptance: Works anywhere Visa is accepted, plus discounts at approximately 150,000 in-network gas stations.

Fuel Savings: Around $0.43 per gallon average at in-network locations, with a flat $0.03 per gallon rebate for out-of-network purchases.

Monthly Fees: $3 per card monthly. Net-7 weekly billing available for qualified businesses.

Business Credit Building: Reports to Experian, helping fleets build business credit history.

Best For: Fleets that value Visa's universal acceptance and want to build business credit without personal credit checks.

5. Sam's Club Business Mastercard — Best for Gas Rewards with Membership Benefits

While not a traditional fleet card, the Sam's Club Business Mastercard offers strong fuel rewards with no annual fees on the card itself and cash back that adds up quickly for businesses with moderate fuel purchases.

Cash Back Rewards: 5% cash back at eligible gas stations and EV charging stations worldwide (up to $6,000 spent annually, then 1%). An additional 3% back on dining and up to 5% back on Sam's Club purchases for Plus members. Rewards appear as a statement credit that can be applied to future Sam's Club purchases or redeemed for cash. The cash back structure makes this one of the better gas credit cards for businesses that don't need fleet-specific features.

Acceptance: Works anywhere Mastercard is accepted, including all gas stations.

Monthly or Annual Fees: No annual fee for the credit card itself. Requires an active Sam's Club membership ($50 for Club or $110 for Plus annually).

Spending Controls: Limited compared to fleet-specific cards. Basic transaction tracking through the card issuer portal.

Best For: Small businesses that already shop at Sam's Club and want cash rewards on fuel without fleet management features. Not ideal for fleets needing driver-level controls or IFTA reporting.

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What Is a Personal Guarantee—and Why Does It Matter?

A personal guarantee is a legal commitment that holds you personally responsible for repaying business debt if your company cannot. When you sign a personal guarantee on a business credit card application, you're essentially co-signing for your business.

Here's why that matters for fleet operators:

Personal liability for business expenses. If your trucking company hits a slow season and can't pay off a $15,000 fuel bill, credit card issuers can pursue your personal bank accounts, home equity, and other personal assets to recover the debt.

Personal credit score impact. Late payments on business credit cards with personal guarantees affect your personal credit score. A single missed payment can damage your credit history for years, making it harder to qualify for mortgages, auto loans, and other personal financing.

Business and personal finances are intertwined. One of the key benefits of forming an LLC or corporation is the separation of business and personal liabilities. Signing a personal guarantee undermines that legal separation.

For small businesses with significant fuel expenses, the stakes are especially high. Fuel costs often represent 30% or more of a trucking company's total expenses. Running up credit during a bad month—or dealing with fuel theft or fraud—can quickly spiral into personal financial trouble if you've signed a personal guarantee.

What to Look for in Business Gas Cards Without Personal Guarantee

Credit vs. Prepaid Options

Credit cards provide a credit line that you pay off each billing cycle. They offer cash flow flexibility but typically require business revenue documentation and may involve credit checks (even if not personal guarantees). Many small business owner operators prefer credit cards to smooth out cash flow during slower periods. Rewards typically appear as statement credit or cash back on your account.

Prepaid cards require loading funds before use. They avoid all credit checks but require upfront capital. Many fleet operators use prepaid cards strategically to manage fuel costs and build business credit simultaneously. Prepaid cards give you complete visibility into fuel spending and employee purchases without credit risk.

Fee Structures Matter

Compare total annual cost, not just monthly fees. A card with no monthly or annual fees but limited discounts may cost more than one with a $3 per card monthly fee that delivers $0.45 per gallon savings. Annual fees ranging from $50 to $150 can be worthwhile if the card delivers substantial cash back rewards or fuel discounts.

Watch for hidden charges:

• Setup fees (typically $0 to $75)
• Card replacement fees
• Inactivity fees
• Late payment penalties
• Transaction fees at certain gas stations
• Annual fees that aren't disclosed upfront
• Additional fees for premium features or extended networks

When comparing the best business credit cards for fleets, factor in all potential costs against expected savings to determine true value.

Spending Controls and Security Features

Modern fleet fuel cards should offer:

• Custom spending limits by transaction, day, or week
• Time-of-day restrictions to prevent after-hours misuse
• Fuel-only purchase restrictions or category controls
• Real-time alerts for every transaction
• GPS and telematics integration to match purchases with vehicle locations

These controls help you monitor fuel usage, restrict purchases to authorized categories, and catch fuel theft or fraud before it escalates.

Business Credit Building Potential

If building business credit is a priority, look for cards that report to business credit bureaus like Experian, Dun & Bradstreet, or Equifax. Consistent on-time payments on a fleet card can improve your business credit score, qualifying you for better credit line increases and financing terms over time.

How to Get a Business Gas Card Without Personal Guarantee

Documentation You'll Need

Most no-PG fleet cards require:

• Employer Identification Number (EIN)
• Business formation documents (LLC articles, corporate registration)
• Valid driver's license for the primary account holder
• Bank statements showing business revenue (typically 3-6 months)
• Business address and contact information

Business Structure Requirements

Personal guarantee exemptions typically require your business to be structured as a corporation, LLC, or partnership. Sole proprietorships usually don't qualify for no-PG business credit cards because there's no legal separation between owner and business.

If you're currently operating as a sole proprietor, forming an LLC can unlock access to no-personal-guarantee fleet cards while also providing liability protection beyond just credit cards.

Credit Alternatives for New Businesses

If your LLC has limited business history or you've been denied for credit products, consider:

1. Prepaid fleet cards like AtoB Unlimited—no credit check, full access to fuel discounts
2. Secured business credit cards—require a deposit but help build credit history
3. Revenue-based credit products—underwrite based on cash flow rather than credit score

Frequently Asked Questions

Can a new LLC get a business credit card?

Yes. A brand-new LLC can get a business credit card, though options depend primarily on the owner's personal creditworthiness since new businesses lack business credit history. Most business credit card issuers evaluate the personal credit score of the guarantor when approving new business accounts.

For new LLCs seeking to avoid personal credit checks entirely, prepaid fleet fuel cards like AtoB Unlimited provide an alternative. These cards don't require credit checks and can help establish business credit through payment reporting to bureaus like Experian.

Do all business credit cards require a personal guarantee?

Most business credit cards from traditional issuers like Chase, American Express, and Capital One require personal guarantees. This is standard practice because small businesses are often difficult to evaluate for creditworthiness, and lenders want protection against default.

However, corporate cards from fintech providers like Ramp, Brex, and fleet-specific cards like AtoB offer credit without personal guarantees for qualified businesses. These providers typically evaluate your business bank balance, annual revenue, and cash flow rather than relying solely on personal credit scores. While searching for the best business credit cards without personal guarantees, you'll find that small business credit cards from traditional banks rarely offer this option—making fleet-specific cards particularly valuable.

What happens if I can't pay a business card with no personal guarantee?

If you have a business credit card without a personal guarantee and your business cannot pay the balance, the credit card issuer can pursue your business assets—but not your personal assets like savings, home equity, or personal bank accounts. Whether you're using a fleet-specific business card or a general corporate card, the protection works the same way.

The card issuer may:

• Report the delinquency to business credit bureaus, damaging your business credit score
• Pursue collection through your business accounts and business assets
• Take legal action against the business entity

Your personal credit score and personal assets remain protected because you didn't personally guarantee the debt.

Are prepaid fuel cards safer than credit cards?

Prepaid fuel cards eliminate credit risk entirely because you're spending money you've already deposited—not borrowing against a credit line. There's no business debt to default on, no credit checks, and no impact on personal or business credit scores from card usage.

However, prepaid cards require upfront capital, which can impact cash flow for businesses with tight margins or long payment cycles. Many fleet operators balance both: using prepaid cards for predictable fuel expenses and credit options for managing cash flow during slower billing cycles.

Can fleet fuel cards help build business credit?

Yes. Many fleet fuel cards report payment activity to business credit bureaus. AtoB reports to Experian, helping businesses build credit history with every on-time payment. Consistent positive payment history improves your business credit score over time, qualifying you for higher credit limits and better financing terms.

How do fleet fuel cards compare to cash back credit cards for fuel purchases?

Fleet fuel cards and cash back credit cards both help reduce fuel costs, but they work differently. Cash back cards typically offer 1-5% back on all fuel purchases regardless of where you fill up. Fleet cards may offer higher per-gallon discounts (up to $2.00 per gallon) but only at participating locations.

The bigger difference is in controls and management. Fleet cards let you set spending limits by driver, restrict fuel purchases to specific times or locations, and generate detailed reports for IFTA compliance. Cash back credit cards simply accumulate rewards on all purchases without these operational controls.

What's the difference between a fleet card and a business credit card?

Fleet fuel cards are specialized payment cards designed for businesses with vehicles. They offer fuel-specific features like per gallon rebates, IFTA tax reporting, fuel usage monitoring, driver spending controls, fuel efficiency tracking, and acceptance at truck stops and gas stations.

Business credit cards are general-purpose credit products for all types of business purchases. They typically offer broader rewards categories (travel, office supplies, advertising) but lack fleet-specific features like fuel controls, IFTA automation, and fuel management tools. Gas credit cards from traditional issuers fall somewhere in between, offering fuel rewards without fleet-grade spending controls.

Protect Your Personal Finances While Saving on Fuel

The best business gas cards without personal guarantee requirements give you the fuel savings and expense management tools your fleet needs—without putting your personal credit score and personal assets at risk.

AtoB leads the pack by combining deep diesel discounts (averaging $0.45 per gallon), 99% station acceptance, flexible credit and prepaid options, and robust fraud protection up to $250,000—all without requiring a personal guarantee. Whether you're an owner-operator building business credit from scratch or a growing fleet looking to separate personal and business finances, AtoB delivers enterprise-grade features with transparent pricing.

Ready to start saving on fuel without the personal liability? Get started with AtoB →

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Citations

1. https://www.sba.gov/business-guide/manage-your-business/manage-your-finances
2. https://www.ftc.gov/business-guidance
3. https://www.experian.com/business/
4. https://www.iftach.org/
5. https://www.fmcsa.dot.gov/
6. https://www.dnb.com/
7. https://truckingresearch.org/