Best Fuel Cards Without Personal Guarantee in 2025

Opting for a top fuel card with no personal guarantee can be a smart move to avoid being legally responsible for repaying business debt if the business itself cannot.

AtoB Unlimited offers the highest potential rebate rates of the options we researched, particularly for diesel-taking trucks that can get an average of $0.45 per gallon off.

Other major players in the US fuel card market, including WEX, require a personal guarantee at the time of sign-up by comparison. In this roundup, we’ve gathered further options, aside from AtoB, that only require your business’s employer identification number (EIN) for registration and avoid putting your personal assets, such as your savings, investments and even your home, at risk.

The Best Fuel Cards With No Personal Guarantee

Before we dive into our reviews of each fuel card with no personal guarantee, here’s a quick summary of what each could offer your business:

1. AtoB Unlimited

The AtoB Unlimited fuel card delivers appealing fuel savings, especially for truckers, and advanced fleet management tools that help businesses cut costs and build their own credit profiles without requiring a personal guarantee.

Its large network, by the standards of most fuel station-specific fuel cards, and real-time reporting features, make it a strong option for any fleet looking for straightforward fuel discounts.

Does AtoB really offer its Unlimited fuel card without a personal guarantee?

AtoB Unlimited has designed its application process to be accessible for businesses without affecting your personal credit, so yes, it does. Applicants must submit an online application and provide key business details without the need for a personal guarantee or even a social security number. To qualify, you must present the following:

• An employer identification number (EIN)
• A valid driver’s license
• At least three months of documented business revenue

Additionally, your business should be structured as an LLC, C Corp, or nonprofit. After you complete the self-serve application, an AtoB sales representative will review your information and contact you if further documentation is needed.

What rewards and incentives does AtoB Unlimited offer?

AtoB Unlimited offers significant fuel savings and advanced fleet management tools to support your business operations. Once approved, you can start saving immediately at over 30,000 in-network fuel stations. Specific rewards include:

• Average discounts of $0.45 off per gallon of diesel fuel at truck stops, with select locations often delivering even higher discounts (up to a huge $2 per gallon).
• Real-time reporting that provides detailed insights into fuel usage and spending.
• Integration with telematics companies and electronic logging device (ELD) software via the optional Premium add-on.
• Features that allow you to set spending limits and receive instant notifications regarding suspicious transactions.

Moreover, AtoB Unlimited reports your payment activity to Experian, which can help you build or improve your business credit over time. If that’s a separate problem for you or your business, check out our best fuel cards without a credit check guide.

How do I redeem cashback with AtoB Unlimited?

Since the AtoB Unlimited card is a prepaid fuel card, cashback lives under “AtoB Perks” rather than a separate, manual redemption flow. According to the latest platform agreement:

• In practice, that means you earn on eligible purchases stated in the AtoB Perks section of its app/website, and the benefit is applied as a discount or credit depending on the offer. You can track this on your AtoB dashboard/statement.
• You must keep your AtoB Account in good standing to receive cashback/discounts.
• It’s worth noting that AtoB Perks have no cash value, meaning they can’t be transferred and aren’t your property.

So, if you’re looking at a particular cashback offer, check the Perks details in your dashboard. The partner station’s terms control how and when that credit/discount appears.

How much does AtoB Unlimited cost?

AtoB Unlimited keeps its pricing structure simple and transparent. The costs associated with the card are as follows:

• A one-time setup fee of $35 per account
• A monthly fee of $3 per active card

An optional AtoB Premium add-on is available for an additional $3 per card, per month, which provides benefits such as improved security features and ELD integration.

Does the AtoB Unlimited card offer good value for money in reality?

Yes, it does, but mainly for diesel-heavy fleets that can route to AtoB partner truck stops. For lighter-duty vehicles or very low monthly fuel volumes, the value is more modest.

Ignoring the one-time $35 setup fee, for unleaded fuel, the math works out that on the lowest $0.03 per gallon rebates, you’ll need to spend 100 gallons per month to cover the $3 per month fee. If you manage to always refuel at its highest $0.12 per gallon stops, then you’d only need to spend 25 gallons per month.

On the other hand, the potential returns of $0.45 per gallon on average for diesel refueling at truck stops, according to AtoB, means you could only spend seven gallons per month and break even. For truckers, that should be light work.

So overall, if your routes regularly hit AtoB partner locations (particularly truck stops where you top up on diesel), then the card’s rebates can dwarf the monthly fee, delivering excellent value. For low-volume or highly off-network fueling, value is a little more middling.

2. Coast Card

The Coast Card stands out, with its transparent fee model and competitive fuel rebates, making it an ideal choice for fleet managers who need to keep track of fuel spending across a broad network of partner gas stations.

Its user-friendly interface and robust digital reporting tools simplify expense management for busy businesses, and, of course, we triple-checked that it doesn’t require a personal guarantee.

Does Coast really offer a fuel card without a personal guarantee?

In short, yes, it does. The application process for the Coast Fuel Card is entirely online, making it simple and efficient for businesses. To qualify for the Coast Fuel Card, you must submit your personal identification and provide basic business information such as your business name, address, and industry details. Additional requirements include:

• Financial documentation (such as a bank statement) to help evaluate your creditworthiness
• Registration as a corporation, LLC or partnership (note that sole proprietors are not approved at this time)

Most importantly of all, Coast does not require a personal guarantee, and applying for the card will not affect your personal credit score.

What rewards and incentives does Coast Fuel Card offer?

The Coast Fuel Card stands out thanks to its competitive fuel rebates and broad acceptance through the Visa network. As a cardholder, you benefit from:

• Fuel rebates that range from $0.03 to $0.09 off per gallon at select partner gas stations (reduced from $0.04 to $0.10 earlier this year), while a standard rebate of $0.01 per gallon applies at non-partner locations.
• An additional 1% cashback on non-fuel purchases, which can help offset other business expenses.
• Access to over 34,000 partner US fuel stations to get these discounts, up from 29,000+ earlier this year.

This rewards structure is designed to provide consistent savings and operational flexibility, making it an attractive option for fleet managers.

Terms and conditions related to the Coast Card

There are a couple of things to be aware of when using the Coast Card to get rebates:

• Your platform agreement states that the Coast Card is only for business use, meaning any personal or household spending is prohibited (and such usage may mean termination of your card and that you face liability for fees/damages).
• Such liabilities for damages are capped at the greater of $5,000 or the total fees paid in the prior three months.

How do I redeem cashback with Coast?

You won’t need to redeem anything actively with Coast. Instead, your rewards will be automatically applied on the last day of each statement period.

To receive the statement credit, your Coast Account must be active and in good standing at the time the statement credit is posted (i.e. you have paid off any debts).

Reward amounts you receive in respect of purchases that are refunded or reversed in a subsequent statement period will be deducted from your account at a later period.

How much does a Coast Fuel Card cost?

Coast Fuel Card is priced very transparently with a straightforward fee model that is quite similar to AtoB’s:

• The cost is $4 per active card each month, with no setup fee required.
• There may also be additional fees, such as a late payment fee (the greater of 1% of the overdue amount or $35) and a fee for returned payments ($35), where relevant.

Does the Coast Card offer good value for money in reality?

Yes, so long as most of your fueling happens at Coast’s partner stations and each active card buys enough gallons to clear the $4 monthly fee. Otherwise, the math could get a little tighter.

For instance, if you regularly refuel at its highest value $0.09 per gallon partner rebate locations, you would only need to spend around 45 gallons to cover the $4 fee.

But if you only end up refueling at its lowest partner rebate locations ($0.03 per gallon), it would be around three times that amount of spending to break even, at 134 gallons. Worse still, if you only shop at non-partner locations ($0.01 per gallon), you would need to buy 400 gallons to break even.

So, things can vary significantly depending on station availability near you. But ultimately, if you spend upwards of 70 gallons per month on fuel, the Coast Card could make sense for you.

3. Sam’s Club Business Credit Card

The Sam’s Club Business Credit Card uniquely combines fuel savings with the perks of a Sam’s Club membership to earn users cashback on fuel and everyday business purchases.

Designed specifically for frequent Sam’s Club and Walmart shoppers, it streamlines expense management while protecting your personal credit by eliminating the need for a personal guarantee.

Does Sam’s Club really offer its Business Credit Card without a personal guarantee?

To obtain the Sam’s Club Business Credit Card, applicants must be members of Sam’s Club. This requirement means that, along with providing your business and personal identification details through a standard credit card application, you must show valid membership status. Specifically:

• You must hold a current Sam’s Club membership, which is available as either a $50 Club membership or a $110 Plus membership. You will need to provide the Sam’s Club Business Membership Number associated with your account.

Besides that, the application process will also ask for typical business details, verifying that you run an eligible business, as with the above cards. This includes:

• Your company’s full legal name
• Your taxpayer identification number (often your EIN)
• The primary business address
• A business phone number
• Business background information like the year the business was established, monthly estimated spend, total number of employees, and type of business entity (corporation, LLC, partnership or proprietorship)

What rewards and incentives does Sam’s Club Business Credit Card offer?

The Sam’s Club Business Credit Card is geared toward maximizing rewards for fuel and everyday business expenses. While not explicitly a fuel card, but a credit card with gas rewards, cardholders can enjoy:

• Up to 5% cashback on fuel purchases at eligible gas stations and EV charging stations worldwide, a benefit that applies at both Sam’s Club and Walmart fuel outlets.
• 3% cashback on dining purchases, which is beneficial for businesses with frequent dining expenses.
• 1% cashback on all other purchases, providing consistent rewards across a broad range of expenses.
• For Sam’s Club Plus members, an additional 2% extra cashback at Sam’s Club (in-club and curbside only). Other promotional rewards are also often available on qualifying Sam’s Club purchases.

Terms and conditions related to Sam’s Club cashback

There are a few key terms and conditions to be aware of related to earning cashback with Sam’s Club:

• Sam’s Club cashback can only be earned in the US and Puerto Rico.
• There’s a $5,000 per year Sam’s Club cap on Mastercard earnings.
• Cashback resets one day after a member’s membership year ends.
• If you return a purchase, Sam’s will deduct the cashback that was earned. So, no sneaky returns to get points, unfortunately. Refunds of purchases paid with Sam’s Cash (see below) may return as Sam’s Cash, gift card, or cash, depending on the channel.

How do I redeem cashback with Sam’s Club?

Cashback is called “Sam’s Cash” and is shown as rewards in your Sam’s Cash Loyalty Rewards Program balance. You can either:

• Use at checkout: Apply Sam’s Cash to most direct purchases in-club, on SamsClub.com or in the Sam’s Club app. You can also apply it toward membership renewal (member-initiated).
• Get cash in club: Many clubs allow cash-out up to a Sam’s set maximum (availability varies by location).

Cashback never expires (so long as you have an active Sam’s Club membership), and it can be redeemed in a Sam’s Club location, at a member service desk or online.

Who can redeem?

Primary and Complimentary Household cardholders can redeem the Primary account’s Sam’s Cash. Add-On members cannot access the Primary’s Sam’s Cash (and vice versa; Add-On Sam’s Cash stays with the Add-On account).

For Mastercard-earned Sam’s Cash, as would be the case with this card, the credit account holder redeems. Authorized users may have limited in-club access when the balance is $50 or less.

How much does Sam’s Club Business Credit Card cost?

Unlike traditional fuel cards, the Sam’s Club Business Credit Card does not impose a separate monthly fee or direct card cost. Instead, the only cost is the Sam’s Club membership fee, which is a requirement for eligibility:

• As stated, the annual membership fee is $50 for a basic Club membership or $110 for a Plus membership.

There are no additional fees to use the card, meaning that aside from the membership fee, businesses enjoy robust rewards without incurring extra costs on the card itself.

Does Sam’s Club Business Credit Card offer good value for money in reality?

The Sam’s Club Business Credit Card can offer real value to customers who spend on fuel and/or shop at Sam’s regularly. Since the card itself has $0 annual fee, it’s a no-brainer for existing Sam’s Club members ($50 Club or $110 Plus).

At 5% back on gas/EV charging (first $6,000 per year, then 1%), you’d offset a Club membership with roughly $1,000 per year of fuel (around $83 per month), or a Plus membership with $2,200 per year (around $183 per month).

Add 3% back on dining and 1% everywhere else, and it could offset the cost even faster. Better still, Plus members can get up to 5% back in-club on Sam’s purchases (3% with the card and up to 2% Plus Sam’s Cash), but note the Plus 2% only applies to in-club and curbside, not ship-to-home/delivery.

Buying Guide for Fuel Cards with No Personal Guarantee

When managing a fleet or running a business with significant fuel expenses, choosing the right fuel card can dramatically impact your operational efficiency and cost savings.

For many business owners, an owner-operator-friendly fuel card that requires no personal guarantee is especially attractive because it helps protect personal credit and limits personal financial liability.

In this guide, we’ll walk you through everything you need to know, from understanding what “no personal guarantee” means to comparing products and successfully applying.

Understanding the concept of a ‘no personal guarantee’

A personal guarantee is an agreement that makes the business owner personally liable for the debts or obligations of the business.

With fuel cards that do not require a personal guarantee, your personal assets are protected because only the business’s credit is at stake. This can also help build your company’s credit profile independently from your own finances.

Why choose a no personal guarantee option?

There are a few reasons why getting a fuel card without a personal guarantee can be a major benefit to you:

• Risk protection: No personal guarantee means you are not personally liable for any unpaid balances.
• Credit building for your business: Many no-PG fuel cards report activity to credit bureaus, helping your business build its own credit history.
• Peace of mind: Shields your personal finances from business-related expenses.
• Focus on business growth: Allows you to use available credit to invest back into your business instead of risking personal financial exposure.

What to consider when getting a no personal guarantee fuel card

When scouting for a fuel card that meets your criteria, compare products side by side. Here are a few common factors to use as comparison points:

• Eligibility requirements: Double-check if the provider requires your business to be registered as a specific entity (LLC, C Corp, nonprofit) and what financial documentation is needed. Sometimes, we’ve come across fuel cards that are discussed as not requiring a personal guarantee, only to find in their terms and conditions that they do. Always read every document given to you before signing up, or try speaking to a member of the fuel card’s sales team to get more information.
• Cost structure: Compare setup fees, monthly fees, and any additional costs associated with added features.
• Rewards: Evaluate the level of discounts on fuel and how that applies to your fleet requirements (e.g. type of fuel, discounts in what regions of the US, what gas stations apply to your team).
• Additional features: Consider the ease of use of the online dashboard, mobile app quality, customer support availability (e.g. 24/7 support) and reporting features.

How We Evaluated the Best No Personal Guarantee Fuel Cards