Net 30 Gas Cards No Personal Guarantee: Options for 2026

Finding business gas cards with net 30 payment terms and no personal guarantee can feel impossible. Most fleet cards and business credit cards either require you to sign a personal guarantee—putting your personal credit and assets at risk—or demand payment in full each billing cycle, straining cash flow.

But several providers now offer net 30 gas cards, no personal guarantee, allowing you to fuel up, manage expenses for 30 days, and pay without tying your credit score to your business debt.

This guide covers the best business gas cards and fleet cards with flexible payment terms and EIN-only approval, helping you protect your credit history while building business credit.

Key Takeaways

• Net 30 payment terms give you 30 days from the billing cycle close to pay your balance, improving cash flow for businesses waiting on customer payments
• No personal guarantee means the card issuer can't pursue your personal assets if your business defaults—protecting your credit score and finances
• EIN-only applications let you apply for business gas cards using your Employer Identification Number without providing your Social Security Number or credit history
• Business credit building happens when providers report your payment activity to business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax
• Qualification typically requires an established business entity (LLC or corporation), consistent annual revenue, and, in some cases, an established business credit history

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Top Net 30 Gas Cards No PG

1. AtoB

AtoB leads the pack for businesses seeking net 30 gas cards with no personal guarantee requirement. Unlike legacy business gas cards that demand personal guarantees or restrict you to specific gas stations, AtoB offers universal acceptance and modern payment flexibility.

No Personal Guarantee Required. AtoB's Flex credit card extends credit to qualified businesses without requiring a personal guarantee. Your credit score stays separate from business spending. For businesses that prefer prepaid options, AtoB Unlimited requires no credit check.

Payment Terms: AtoB Flex provides standard billing cycle terms, giving you time to manage cash flow between fuel purchases and payments. The prepaid Unlimited option lets you control spending by loading funds in advance.

Acceptance: 99% of U.S. gas stations. AtoB works anywhere Mastercard is accepted, meaning drivers fuel up at Shell stations, independent gas stations, truck stops, and everywhere in between—no network restrictions.

Fuel Savings: Average savings of $0.45 per gallon on diesel fuel at truck stops, with discounts reaching $2.00 per gallon at select locations. The discount network spans 30,000+ gas stations nationwide.

Monthly Fees: $3 per card monthly (Unlimited prepaid) or $15 minimum monthly for up to 5 Flex cards. One-time $35 setup fee. No transaction fees or hidden charges.

Business Credit Building: AtoB reports to Experian Business, helping you build business credit with every on-time payment. Even the prepaid Unlimited card contributes to your business credit history.

Security Features: Set spending limits by driver, restrict purchases to fuel only, and receive real-time alerts. Premium subscribers ($6/card/month) unlock telematics integration and app-based card controls.

Best For: Small businesses wanting universal gas station acceptance, net 30-style payment flexibility, and credit access without risking personal assets. The combination of no personal guarantee, business credit reporting, and deep fuel discounts makes AtoB the top choice.

Learn more about AtoB fleet cards →

2. Shell Card Business Flex

Shell's Business Flex card offers net 30 payment terms with potential EIN-only approval for businesses with strong financials.

Personal Guarantee: Shell may approve EIN-only applications for businesses with $1 million+ in annual revenue and established business credit history. Smaller businesses or those with limited credit history may need to sign a personal guarantee.

Acceptance: 95% of U.S. gas stations through the WEX network, plus all Shell stations.

Fuel Savings: 25¢ per gallon rebate for the first six months, then up to 5¢ per gallon ongoing (capped at 25,000 gallons per billing cycle).

Monthly Fees: No monthly fees for the standard Shell Card Business Flex.

Business Credit Building: Shell reports to all three major business credit bureaus—Dun & Bradstreet, Experian Business, and Equifax Business.

Best For: Businesses with strong revenue and established business credit history that frequently fuel at Shell stations but want broader network access.

3. WEX Fleet Card

WEX administers fleet card programs for multiple fuel brands and offers its own WEX Fleet Card with EIN-only application options.

Personal Guarantee: WEX is known for soft credit checks on your EIN, with no personal guarantee needed for many small businesses with established operations. Newer businesses may face additional requirements.

Acceptance: 95% of U.S. gas stations through the WEX network.

Fuel Savings: Rebates vary by fuel brand and volume, typically 3-8¢ per gallon at network locations.

Monthly Fees: Varies by specific card product. Some WEX-administered cards have no monthly fees while others charge $2-4 per card.

Business Credit Building: WEX reports to Dun & Bradstreet and Experian Business (not Equifax).

Best For: Businesses wanting broad network coverage with EIN-based approval and flexible payment terms.

4. Coast Fuel Card

Coast offers a Visa-based fleet card with no personal guarantee for qualified businesses.

Personal Guarantee: Coast explicitly doesn't require personal guarantees for approved partnerships, corporations, and LLCs. Sole proprietorships don't qualify.

Payment Terms: Standard billing cycle with payment due after statement close.

Acceptance: Universal acceptance anywhere Visa is accepted—virtually every gas station nationwide.

Fuel Savings: $0.03-0.09 per gallon rebates at 34,000+ partner gas stations, plus 1% cash rewards on non-fuel purchases.

Monthly Fees: $4 per active card monthly. No setup fees.

Business Credit Building: Coast focuses on spend management rather than credit bureau reporting.

Best For: Tech-forward businesses prioritizing universal acceptance and spend controls over maximum per-gallon savings.

5. Fuelman Fleet Cards

Fuelman offers multiple fleet cards with EIN-based approval for established businesses.

Personal Guarantee: Fuelman uses EIN checks first. If the business doesn't qualify on EIN alone, they may request a personal guarantee. Building business credit beforehand improves approval odds.

Acceptance: 40,000+ locations in Fuelman's discount network, including major truck stops.

Fuel Savings: Up to 8¢ per gallon on mixed fuel, up to 12¢ per gallon on diesel fuel at network locations.

Monthly Fees: $39-99 per month, depending on plan tier (Basic, Pro, or Enterprise).

Business Credit Building: Fuelman reports to all three business credit bureaus—Dun & Bradstreet, Experian Business, and Equifax Business.

Best For: Diesel-heavy fleets with established business credit history that fuel primarily at truck stops and Fuelman network locations.

What Are Net 30 Gas Cards?

Net 30 gas cards offer payment terms with 30 days from the end of each billing cycle to pay your balance in full. Unlike prepaid cards that require funds upfront or business credit cards with immediate payment due dates, net 30 terms provide breathing room for cash flow management.

For small businesses waiting 30-60 days on customer invoices, net 30 fleet cards bridge the gap between fuel purchases and incoming revenue. You can keep trucks moving without draining operating accounts.

Why "No Personal Guarantee" Matters

A personal guarantee makes you personally liable for business debt. If your company can't pay a $10,000 fuel bill, the card issuer can pursue your personal savings, home equity, and other assets.

Business gas cards without a personal guarantee protect your personal credit and finances by limiting liability to your business entity alone. This separation is especially valuable for small business owners who want to keep business and personal finances distinct.

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How to Qualify for Net 30 Gas Cards Without a Personal Guarantee

Getting approved for business gas cards without signing a personal guarantee requires preparation. Here's how to strengthen your application.

Build Your Business Profile First

Providers evaluate your business strength when deciding whether to require a personal guarantee. Strengthen your profile with:

• Legal entity registration: LLC or corporation status separates business and personal liability
• Employer Identification Number (EIN): Apply using your EIN to keep your SSN and personal credit history separate
• Business bank account: Demonstrates legitimate business operations
• Consistent business information: Matching details across your website, business listings, and applications
• Time in business: Most no-PG cards prefer businesses with 1+ years of operating history

Establish Business Credit History

Many fleet cards offer EIN-only approval only for businesses with established business credit history. Build your profile by:

• Using net 30 vendor accounts that report to business credit bureaus
• Paying all business obligations on time
• Monitoring your Dun & Bradstreet, Experian Business, and Equifax Business reports
• Starting with easier-to-obtain trade credit before applying for fleet cards

Show Consistent Revenue

Providers like AtoB focus on business revenue rather than personal credit scores. Having 3-6 months of documented annual revenue demonstrates your ability to repay without requiring personal guarantees.

Understand Soft vs. Hard Credit Pulls

• Soft pulls check your credit without affecting your score—ideal for shopping around
• Hard pulls impact your credit score and should be limited

Many fleet card providers do soft pulls on your business credit initially, only escalating to hard pulls or personal guarantee requests if your business profile is insufficient.

Frequently Asked Questions

What is the easiest gas card to get approved for?

AtoB Unlimited is the easiest business gas card to get approved for because it's a prepaid card that requires no credit check or personal guarantee. You simply need an EIN, valid driver's license, and proof of business revenue. Since you load funds in advance rather than borrowing on credit, approval is straightforward regardless of your personal credit history or business credit score.

For businesses wanting credit (not prepaid), AtoB Flex offers approval based on cash flow rather than traditional credit scores, still without requiring a personal guarantee for qualified businesses.

Do all fleet cards require a personal guarantee?

No. Several business gas cards and fleet card providers offer EIN-only applications without personal guarantees for qualified businesses. AtoB, Coast, and some WEX-administered cards explicitly don't require personal guarantees. Others like Shell, Fuelman, and Phillips 66 may approve EIN-only applications for businesses with strong annual revenue and established business credit history, but may require personal guarantees for newer or less-established businesses.

How do net 30 payment terms help my business?

Net 30 payment terms give you 30 days from the billing cycle to pay your balance. This improves cash flow by allowing you to make fuel purchases today and pay after you've collected revenue from customers. For trucking companies waiting 30-60 days on freight invoices, net 30 fleet cards bridge the gap without straining operating accounts.

Can I get a business gas card with bad personal credit?

Yes. Prepaid business gas cards like AtoB Unlimited don't check personal credit at all—you load funds and spend from the balance. For credit-based business credit cards, providers like AtoB evaluate your business revenue and cash flow rather than credit scores, making approval possible even with poor personal credit history.

Building business credit separately from personal credit also helps. Use net 30 vendor accounts that report to business credit bureaus to establish a business credit score independent of your personal profile.

Which gas cards report to business credit bureaus?

Business gas cards and fleet cards that report to business credit bureaus include:

• AtoB: Reports to Dun & Bradstreet, Experian Business, and Equifax Business
• Shell: Reports to Dun & Bradstreet, Experian Business, and Equifax Business
• Fuelman: Reports to all three major business credit bureaus
• WEX-administered cards: Report to Dun & Bradstreet and Experian Business

Building business credit through on-time fleet card payments can qualify you for better credit limits and financing terms over time.

What's the difference between EIN-only and no personal guarantee?

EIN-only means you can apply using your Employer Identification Number without providing your Social Security Number. This keeps your personal credit history out of the initial application.

No personal guarantee means you're not personally liable for business debt if the company can't pay. The card issuer can only pursue business assets, not personal assets.

These often go together but aren't identical. Some cards allow EIN-only applications but may still request a personal guarantee depending on your business qualifications.

Protect Your Personal Credit While Fueling Your Fleet

Net 30 gas cards with no personal guarantee give small businesses the cash flow flexibility they need without risking credit scores and assets. By choosing business gas cards that offer EIN-only applications and business-focused underwriting, you can separate business and personal finances while building business credit.

AtoB stands out as the best business gas card option, combining no personal guarantee credit access, universal acceptance at 99% of gas stations, average diesel savings of $0.45 per gallon, and Experian Business reporting—all without the restrictions of branded gas station networks.

Ready to fuel your fleet without 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.dnb.com/
3. https://www.experian.com/business/
4. https://www.equifax.com/business/
5. https://www.iftach.org
6. https://www.fmcsa.dot.gov/