Can You Get an Amazon Business Credit Card With No PG?

Does Amazon Require a Personal Guarantee for Its Business Credit Card?

Both Amazon business credit cards—the Amazon Business Card and Amazon Business Prime Card—require a personal guarantee to apply.

That means you, as the business owner, must accept personal responsibility for repaying any debt on the account if the business defaults. The card issuer could potentially pursue your personal assets to recoup any losses they experience.

While not ideal, that’s a standard way for business credit card companies to minimize their risk. It’s an especially common requirement to encounter when you’re a small business owner, as there’s less of a distinction between you and your company.

Amazon Business Credit Cards Report to the Personal Credit Bureaus

In addition to requiring that you take on personal liability for its business cards, Amazon may also report your account activities to the personal credit bureaus, including Equifax, Experian, and TransUnion.

Unlike some card issuers, that can include both positive and negative information. Positive information refers to activities that could potentially improve your credit score, such as timely payments. Meanwhile, negative information is anything that could hurt your score, such as late payments and defaults.

While Amazon reserves the right to report both types, the issuer is much more likely to share your negative activities in practice. It’s another way to hold you accountable for misusing the account and incentivize you to pay them back.

As a result, you should expect that using one of the Amazon business credit cards puts not just your personal finances, but also your personal credit at risk.

That may not be a dealbreaker if you’re confident in your cash flows, especially since it’s challenging to qualify for business credit cards that don’t have this downside as a new business owner.

However, if you’re determined to get a business credit card without relying on or risking your personal credit profile, you must target business cards that let you apply with your Employer Identification Number (EIN) only.

How To Get Business Credit Cards With EIN Only

There are several ways to get business credit cards with your EIN only, with the most practical path depending on your business.

To qualify for a traditional business credit card EIN only, you’ll need to meet fairly strict requirements. Generally, you must establish your company as a separate, qualified entity that lenders feel confident enough in to issue credit to directly.

That means building a strong business credit history and a good to excellent business credit score. You’ll also need significant annual revenue—with many card issuers setting the bar at $1 million.

In addition, most lenders will require you to have at least a few years of operating history and a formal legal structure, like an LLC, S corporation, or C corporation, rather than a sole proprietorship.

If that all sounds out of reach for now, your best bet in the meantime is usually to target EIN-only business cards that are more attainable because they use other safeguards to reduce risk. For example, they might:

• Prevent you from carrying a balance month-to-month
• Require more frequent payments, such as daily or weekly
• Automatically deduct payments from a linked bank account These types of EIN-only business cards may be less flexible, but they can make more sense than traditional ones for new or small business owners.

Business Credit Cards With No Personal Guarantee (Or That Don’t Report to the Personal Credit Bureaus)

Here are some business credit cards that don’t pose a risk to your personal credit score, either because they don’t require a personal guarantee or because their issuers don’t report to the personal credit bureaus, even if you default.

You can read about other EIN-only options in our article, Startup Business Credit Cards With No Credit EIN Only.

FairFigure Capital Card

The FairFigure Capital Card stands out as a true EIN-only business card. In other words, it doesn’t require your Social Security number (SSN), a personal credit check, or a personal guarantee to apply.

Your business just needs three months of operational history and $2,500 in monthly recurring revenue to get all but guaranteed business credit card approval.

That makes FairFigure especially ideal for newer business owners who want to secure a business credit card without putting their personal credit at risk.

If you meet those requirements, you can open an account for a $30 monthly subscription fee. In return, you’ll get a card with a credit line of at least $1,000 and repayment terms of up to eight weeks, far longer than many others in the space.

FairFigure reports your business card activities to Equifax Business, Creditsafe, and the Small Business Financial Exchange (SBFE), helping you build business credit. We report your monthly subscription as a second tradeline.

In addition, you’ll benefit from business and personal credit monitoring services, including our proprietary Foundation Report—which provides insight into your credit and finances—and a business credit corrector tool to streamline the error dispute process.

You can read about other cards that are great for building business credit in our articles, Which Business Credit Cards Report to Business Credit Bureaus and Secured Business Credit Cards That Report to D&B.

Chase Cards

Now we’re moving into business credit cards that typically require a personal guarantee but don’t report your activities to the personal credit bureaus, even if you default.

Chase is a popular issuer in this category, offering one of the more extensive selections. Its card catalog includes cash back, travel, and 0% APR cards. For example, some of the most attractive offers as of the time of writing include:

• Ink Business Cash: Earn up to $750 when you spend $6,000 in the first six months of account opening, plus 5% cash back on select business categories. Pay 0% APR on purchases for the first 12 months and no annual fee.
• New United Business: Earn 125,000 bonus miles when you spend $5,000 on purchases in the first three months, plus 7x miles on United flights, 5x miles on United hotels, and 2x on several other categories, including gas, dining, and office supplies. All other purchases earn 1x mile.

You’ll also get a United Club membership and passes, Premier Access travel services, and $725+ in credits. If these don’t sound appealing to you, Chase has 10 business credit cards to choose from in total, so there are plenty more to consider.

The other big advantage to using a Chase card is that Chase reports to all three of the major business credit bureaus, including Dun & Bradstreet (D&B), Equifax Business, and Experian Business, plus the SBFE.

Citi Cards

Like Chase, Citi business cards typically require a personal guarantee, but they don’t report to the personal credit bureaus. Unlike Chase, Citi doesn’t have a large selection of business credit cards, but it still provides solid enough options for specific types of business spending. Here are its two current business credit card offerings:

• Costco Anywhere Visa: Earn 5% cash back on Costco gas and 4% on other fuel purchases (on a combined $7,000 per year). Get 3% on restaurants and eligible travel, 2% on other Costco purchases, and 1% back on all other spending. Pay no annual fee with an active Costco membership.
• AAdvantage Business World Elite Mastercard: Earn 75,000 AAdvantage bonus miles when you spend $5,000 within the first 5 months. Earn 2x miles on telecommunications, cable, car rental, gas stations, and American Airlines purchases. Earn 1x mile and 1 loyalty point on everything else. Pay no annual fee the first year, then $99 per year afterward. Get American Airlines benefits, including 25% off inflight purchases, preferred boarding, and a free checked bag.

Its card selection may not be the most impressive, but Chase is another business credit card issuer that reports to all three of the major business credit bureaus and the SBFE.

American Express Cards

American Express offers even more business credit cards than Chase, with 13 different options available at the time of writing. Card options include cash back, travel, hotel, 0% APR, $0 annual fee, and more.

American Express business cards typically require a personal guarantee, but they don’t report to the personal credit bureaus. Some of the most notable options include the Amazon business credit cards and the Hilton Honors card. Here’s how they work:

• Amazon Business: Earn 3% back on every Amazon purchase, 2% back on restaurants, gas stations, and wireless phone services, plus 1% back on all other purchases. Pay no annual fee and get a $100 Amazon gift card upon approval. Issue free employee cards to track purchases.
• Amazon Prime Business: Earn 5% back on Amazon purchases, 2% back on restaurants, gas stations, and wireless phone services, plus 1% back on all other purchases. Pay no annual fee and get $125 in Amazon gift cards on approval.
• Issue free employee cards to track purchases.
• Hilton Honors Business: Earn 175,000 Hilton Honors points when you spend $8,000 within six months, plus 12x points on Hilton purchases, 5x points on all other purchases up to $100,000, and 3x points on everything else. Get $240 back on Hilton purchases per year and complimentary Hilton Honors Gold status. The annual fee is $195, but you’ll never pay a foreign transaction fee.

American Express doesn’t have a business credit reporting policy that is as favorable as Chase's or Citi’s. While it reports your activities to D&B and the SBFE, it doesn’t report them to Equifax or Experian.

Bank of America Cards

Bank of America often requires a personal guarantee for its business credit cards, but it doesn’t report them to the personal credit bureaus. It has several different cards available at the time of writing, none of which charge an annual fee. Here are the most impressive offers:

• Business Advantage Customized Cash Rewards: Earn a $300 statement credit when you spend $3,000 in the first three months and 3% in the category of your choice, from gas stations, office supply stores, travel, and more. Earn 2% on dining purchases and 1% on everything else.
• Business Advantage Travel Rewards World: Earn 30,000 points when you spend $3,000 in the first three months and unlimited 1.5x points on every other eligible purchase with no limit.

Unfortunately, Bank of America doesn’t report its business credit cards to any of the major business credit bureaus directly. However, it does report to the SBFE.

US Bank Cards

US Bank usually requires a personal guarantee for its business credit cards, but it doesn’t report them to the personal credit bureaus.

As of the time of writing, it has five different business cards available, including travel, points, and cash back options. Here are the card details for a couple of its most compelling offers:

• Business Altitude Power: Earn 75,000 points when you spend $10,000 in the first 120 days, 6x points on prepaid hotel and car rentals through the US Bank rewards center, 2.5x points on up to $5,000 mobile wallet purchases per quarter, and 2x points on everything else. The annual fee is $195.
• Business Altitude Connect: Earn 60,000 points when you spend $6,000 in the first 120 days, 5x points on prepaid hotel and car rentals through US Bank, 4x points on travel (including airfare, hotels, and fuel), 2x points on dining and cell phone services, plus 1x on everything else. The annual fee is $195.

US Bank reports its business credit cards to D&B and the SBFE, but it doesn’t report them to Equifax Business or Experian Business. Its cards may not be the best for building business credit, but they can still contribute to your strategy.

Wells Fargo Cards

Wells Fargo only has one business credit card offer in its credit card marketplace at the time of writing. Its Signify Business Cash Card offers the following for no annual fee:

• $500 cash back when you spend $5,000 in the first three months
• Unlimited 2% cash back on all business spending
• 0% APR on purchases for the first 12 months Like US Bank, Wells Fargo reports its business credit cards to D&B and the SBFE. You may need to sign a personal guarantee, but you don’t have to worry about them reporting you to the personal credit bureaus.

Build Business Credit With FairFigure

If your goal is to build business credit and manage your cash flows, the FairFigure business credit builder card offers some of the best bang for your buck. It’s one of the few true EIN-only business cards with no personal credit check or personal guarantee.

You also get much more than a charge card. We offer a repayment window of up to eight weeks—longer than most credit cards—an extra vendor tradeline, robust credit monitoring tools, and a powerful business credit dispute tool.

Even new business owners can qualify with just three months in business and $2,500 in monthly recurring revenue. Sign up for a FairFigure account to get started today!