Best Fuel Cards Without Personal Guarantee

Opting for a top fuel card with no personal guarantee can be a smart move. That’s because a personal guarantee makes you legally responsible to repay business debt if the business itself cannot, which therefore puts your personal assets, such as your savings, investments, and even your home, at risk.

Major players in the US fuel card market, including WEX, require a personal guarantee at the time of sign-up. Instead, in this roundup, we’ve gathered options that only require your business’s Employer Identification Number (EIN) for you to register, keeping your personal wealth safe from harm.

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, makes it a strong option for any fleet looking for straightforward fuel discounts.

What eligibility and approval criteria does AtoB Unlimited require?

AtoB Unlimited has designed its application process to be accessible for businesses without affecting your personal credit. 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:

• Up to $0.46 off per gallon of diesel fuel at truck stops, with select locations often delivering even higher discounts (up to a huge $1.85 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 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.

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 either.

What eligibility and approval criteria does Coast Fuel Card require?

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 $0.04 to $0.10 off per gallon at select partner gas stations, 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 29,000 partner US fuel stations to get these discounts.

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

How much does 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

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.

What eligibility and approval criteria does Sam’s Club Business Credit Card require?

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, additional rewards are often available on qualifying Sam’s Club purchases.

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.

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, a 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