Startup/business charge cards with 1.5–2% back, no personal guarantee, 30-day float.
Brex, Ramp, Mercury, Rho, and Airbase issue corporate charge cards to startups and small businesses with NO personal guarantee (Brex/Ramp), 1–2% cash-back on all spend, 30-day float, and integrated expense management. Underwriting is on cash balance, not founder credit. Ideal for founders who want to shield personal FICO while still capturing rewards on $10K–$500K/mo vendor spend.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.