In this article, we’ll look at 7 fuel card options that don’t require a personal guarantee.
Many people look for an Employer Identification Number (EIN)-only fuel card to protect their personal finances.
However, it’s worth noting that’s not your only option. In fact, because EIN-only fuel cards can’t factor in your personal credit for risk management, they may have stricter approval standards.
Whereas ‘No Personal Guarantee’ fuel cards offer the same benefit, still protecting you from personal liability, but may still use your personal information to support the application.
Should I Choose a No Personal Guarantee or EIN Only Fuel Card?
The difference between no personal guarantee and EIN-only fuel cards comes down to which risk you want to avoid.
- Choose no personal guarantee (like Coast) if you want to avoid personal liability, but don’t mind card issuers reviewing your personal credit history during approval
- Choose EIN-only if your priority is having the card approved based strictly on your business — not your personal credit.
Approval standards for EIN-only fuel cards are often stricter because the issuer is relying entirely on business strength (such as operating history, cash flow, financials). This often results in higher qualification standards.
No personal guarantee cards may use your personal information during the application (for identity or compliance checks), but you’re still not personally guaranteeing the debt.
| No Personal Guarantee Fuel Cards | EIN Only Business Gas Cards | |
| Purpose | Remove the owner’s personal liability but still use their information during approval process | Anchor credit decisions to business performance |
| Personal guarantee | Explicitly absent – owner not liable | May or may not be absent |
| SSN involvement | May be requested for verification | Typically excluded from credit evaluation |
| Underwriting basis | Business stability signals | Business financial performance |
| Ideal for | Growing fleets with stable operations | Mature businesses with clean financials |
| Best used when | Liability separation is a priority | Business-only evaluation is a priority |
4 Best Business Fuel Cards with No Personal Guarantee
1. Coast
Coast’s business fuel card suits commercial fleets that want control and visibility without putting personal credit on the line.
Quick highlights:
→ The account is issued for business use with no personal guarantee
→ Coast also reports to credit bureaus. When you pay your Coast card bill on time, you help build credit history and improve your company’s credit score
→ Drivers can use the card anywhere Visa is accepted, which makes it easy to fuel up on the road without hunting for specific stations.
→ Option to use the card for any fleet expenses: maintenance, parts, tolls, and material purchases.
→ Every purchase shows up in the dashboard instantly with full line-item detail. You can see who spent the money, where, when, and for what.
→ Many rewards, for example 3¢–9¢ back per gallon at more than 30,000 participating fuel stations, plus 1% cash back on purchases made at non-fuel merchants.
→ $25,000 annual fuel-fraud guarantee that covers both external and employee fraud (terms apply).
Coast’s spend controls are easy to set and hard to misuse. Managers can create rules by driver or vehicle, block specific merchant categories, apply daily or weekly limits, and require receipts or job codes for larger transactions.
These controls help align fleet expenses with policy while never slowing drivers down.
Furthermore, Coast integrates directly with telematics systems to pull in mileage data and match it against fuel transactions. As a result, you can easily track miles per gallon and surface unusual fuel behavior early.
The platform verifies fuel purchases using GPS location checks and tank insights to match fuel volume to tank capacity.
- 3–9¢ per gallon at 30,000+ stations, rebates applied directly to your statement
- Fuel anywhere Visa is accepted
- Real-time spend controls and transaction visibility
- Telematics, fleet management, and accounting integrations
- One-tap card lock to stop PIN misuse or theft
- Fully controlled corporate card at no added cost
- Clean dashboard and responsive support
- $25,000 annual fuel-fraud protection for internal and external misuse
- Doesn’t suit fleets operating with fewer than five vehicles
- No prepaid option available
2. AtoB
AtoB is a business fuel card built for over-the-road trucking and mixed fleets. They offer two card variants. AtoB Flex is a credit-based Mastercard, while AtoB Unlimited is a prefunded option with no credit check. Both include the same spend controls, fuel discounts, and fraud protections.
Approval is business-based, requires no SSN or credit score, and doesn’t require a personal guarantee for AtoB Flex.
Their cards work anywhere Mastercard is accepted and provide access to 30,000+ fuel stations and 4,200+ truck stops.
Fleets can set per-transaction caps, weekly limits, operating hours, and merchant whitelists or blacklists. Automated controls block purchases outside a vehicle’s GPS radius or tank capacity, and cards can be shut off instantly.
When paired with telematics, AtoB supports these controls with a $250,000 fraud protection guarantee.
- Prefunded fuel card requires no credit check
- Works anywhere Mastercard is accepted
- $250,000 fraud protection guarantee
- $35 account setup fee
- Advanced features may require additional fees
3. Motive
Motive Fleet Card combines fuel spending and fleet management in one system for trucking operators. It’s accepted anywhere Mastercard is accepted and integrates directly with Motive’s telematics, linking fuel transactions with vehicle location and fuel tank data.
This powers fraud controls like real-time alerts, instant card lock/unlock, tank-size mismatch flags, and transaction declines when the GPS location doesn’t match. Motive includes fraud-protection coverage up to $250,000 per year.
On the admin side, Motive highlights missed savings, shows where drivers overpaid, and lets you block costly locations. Automated IFTA reporting combines mileage and fuel data so you can file in seconds. Controls are customizable by amount, day, time, merchant, and spend type.
Motive’s business fuel card requires no personal guarantee. Approval is based solely on business credit, with no personal credit pull or reporting, helping protect the owner’s personal credit profile.
- Accepted at 35,000+ partner locations
- Automated IFTA reporting
- Suits fleets looking for trucking-specific features
- Pricing isn’t listed upfront
- Determines spending limits based on the business credit bureau report
- Cash advances are subject to set limits and controls for security
4. Sam’s Club Business Credit Card
The Sam’s Club Business Credit Card combines fuel savings with everyday business rewards. It doesn’t require a personal guarantee, helping protect the owner’s personal credit while keeping spending centralized.
Cardholders earn cash back at eligible gas stations and EV charging stations worldwide. Rewards are geared toward businesses that want simple cashback on routine operating expenses.
To apply, businesses must hold an active Sam’s Club membership and will need to provide their Sam’s Club Business Membership Number during the application process.
- No annual fee
- Competitive cashback on gas purchases
- An active Sam’s Club membership required
- Gas cashback capped at 5% rate
Three Best Business Gas Cards EIN Only
5. Chevron and Texaco
Chevron and Texaco offer three EIN only business gas card options: the Business Card, Business Access Card, and Business Access Flex Card.
All three can be applied for using your EIN only. Depending on qualifications, a personal guarantee may still be requested after review. The program is administered by WEX and generally reports to Dun & Bradstreet and Experian Business.
Chevron’s fuel card program is centered on rewarding frequent purchases at Chevron and Texaco stations, where savings are strongest.
The standard Business Card suits fleets that fuel primarily at Chevron-branded locations, while the Business Access cards expand acceptance to Chevron and Texaco stations. Only the Access Flex card allows balances to carry over with interest.
All cards include driver ID and odometer verification, fuel-type restrictions, and detailed reporting, though businesses should review station coverage to ensure it fits their routes.
- Strong savings at Chevron and Texaco
- No annual or setup fees on some card variants
- Some cards may carry recurring fees for high-risk accounts
- Best rebates are limited to Chevron and Texaco locations
6. ExxonMobil
ExxonMobil provides two fuel card options for businesses that want centralized fuel spending and reporting.
Issued through WEX, both the BusinessPro and FleetPro cards allow EIN-based applications, with final approval terms varying by business credit profile.
Accounts are reported to Dun & Bradstreet and Experian Business to support business credit tracking.
The BusinessPro Card is accepted at Exxon and Mobil stations, with optional access to 95% of U.S. stations for an added setup and monthly card fee.
The FleetPro Card works at ExxonMobil’s commercial locations and anywhere Mastercard is accepted. It avoids setup and monthly fees while providing volume-based pricing for diesel.
Both cards include spend controls, reporting, and expense tracking, with features varying by card type.
- Suits businesses that fuel primarily at Exxon
- Real-time spend visibility through an online dashboard
- Fees for broader BusinessPro acceptance
- Savings depend on volume or pricing model
7. Shell
Shell offers two business fuel cards (EIN only): Shell Card Business and Shell Card Business Flex.
Businesses can apply using their EIN, making the cards accessible for companies building or managing business credit. However, personal guarantees may be required for lower-revenue or newer businesses.
The Shell Card Business is accepted only at Shell stations and participating Jiffy Lube locations, while the Flex card expands acceptance to 95% of U.S. gas stations. You also get the option to pay in full and pay over time across both cards.
Both card types support driver and fleet mobile apps, detailed reporting, and spend controls through Shell’s Navigator platform. Shell reports account activity to Dun & Bradstreet, Experian Business, and Equifax Business.
- Chip-and-PIN protection with real-time fraud alerts
- Fuel Rewards and loyalty stacking for deeper discounts
- Best rebates only at Shell locations
- Volume thresholds required for top tiers
- Modest savings for high-volume diesel fleets
How We Chose The Business Fuel Cards
We evaluated 21+ business fuel cards through the lens of fleets, deciding between no personal guarantee and EIN only business fuel cards.
Part of the process involved reviewing contracts for personal guarantees, understanding underwriting behavior, and clarifying how personal information is treated during approval.
Our evaluation was anchored on the following factors:
- Liability: We reviewed card agreements and disclosures to confirm whether personal guarantees were truly absent. Cards that relied on vague language were removed.
- Underwriting: For EIN-only cards, we examined what information is used to evaluate the account in practice: business history, cash flow signals, and documentation requirements.
- SSN requested vs SSN relied on: We distinguished between cards that request personal information for identity or compliance purposes and those that rely on personal credit or guarantees as part of approval or risk management.
- Approval tradeoffs and accessibility: We considered how realistic qualification is for small and mid-sized fleets. Cards that required enterprise-level financial profiles without delivering corresponding operational benefits were deprioritized.
- Control depth: We evaluated whether fuel-only enforcement, location and time restrictions, and misuse prevention were built into the platform itself.
- Reporting: We favored cards that produce clear, timely transaction data suitable for finance review and audits.
To avoid blurring important tradeoffs, we organized our findings into two lists. One covers no personal guarantee fuel cards that keep fuel spend from touching personal liability.
The other highlights EIN only fuel cards built around business-based approval.
Choosing Your No Personal Guarantee or EIN Only Fuel Card: Key Considerations
The real decision starts once you’ve narrowed down your no personal guarantee or EIN only business fuel card options.
Here’s what to look for before you apply.
- Understand how the card builds business credit: A major reason to choose EIN only fuel card is to separate business and personal credit. Check which bureaus the issuer reports to and how often they report, since tradelines can take months to show up.
- Network coverage: Closed-loop fuel cards usually pay higher rebates but only at a specific brand, while universal or network cards trade a bit of savings for 90-95% station coverage. Map your typical routes, fuel types, and key geographies before you decide. What looks generous on paper is useless if your drivers can’t use it where they run.
- Fees, fine print, and rebates: No personal guarantee and EIN only business fuel cards sometimes come with setup fees, per-card fees, risk-based account fees, or extended network surcharges outside the core network. Run the numbers on gallons, rebate tiers, and fees to confirm you’re actually saving, especially if your fleet won’t hit the highest volume discounts.
- Controls, fraud protection, and liability: Smart guardrails like per-driver limits, merchant and category controls, time-based rules, GPS checks, and real-time alerts are essential without a personal guarantee. Also, confirm fraud protection terms and that cards can be shut off instantly from the web or mobile.
- Data, reporting, and integrations: Look for clean dashboards, downloadable or API feeds, IFTA-ready reports, and integrations with telematics, accounting, and fleet management so your team isn’t stuck reconciling data every month.
Why Pick Coast as Your Business Fuel Card
Coast is built for fleets that want savings and accountability in one place. It works anywhere Visa is accepted, meaning fueling stays convenient and routes stay efficient.
You can also set spend rules like fuel only, specific categories, or day-by-day limits. And each transaction hits the dashboard in real time, making Coast a smarter, no personal guarantee business fuel card choice for teams that can’t afford surprises.
- Flexibility: Fuel access doesn’t have to mean spend creep. Coast keeps flexibility without letting costs leak. You can lock cards to fuel only, diesel only, or specific fleet expense categories, and shut everything else down. Drivers can fuel anywhere Visa is accepted, but not at the expense of convenience-store add-ons or personal spending.
- Prevents misuse: Coast uses chip security and driver verification to enforce every rule in real time. When paired with telematics, it automatically checks whether the vehicle is actually at the pump and whether the fuel amount makes sense. If not, the transaction gets flagged or declined. With those safeguards on, Coast backs fleets with up to $25,000 a year in fuel-fraud protection.
- Instant spend visibility: You see everything as it happens. Transactions land in your dashboard within seconds, with gallons, grade, time, and location tied to the right driver or vehicle. You can track miles per gallon, cost per mile, and job-level spend, and push clean data straight into accounting.
- Plugs into your existing workflow: Coast syncs with your existing systems like QuickBooks, NetSuite, Sage Intacct, Samsara, Geotab, Verizon Connect, Fleetio, and more, so fuel data and vehicle data stay aligned without manual work.
- Predictable pricing: There’s no hit a tier or lose savings pressure. It’s a flat $4 per active user each month, with consistent per-gallon discounts at 30,000+ stations and baseline savings everywhere else.
- Scales with your operation: Coast grows with your needs. Turn on maintenance, parts, tolls, or other field-expense categories using the same controls.
If you want a fuel card that works without tying spend to your personal credit, Coast delivers. Finance gets clean, audit-ready data. You get true business-only control. Apply when you’re ready.
Business Fuel Cards EIN Only FAQs
1. What’s the best fuel card for small business (EIN only)?
The best EIN only fuel cards for small businesses are BP, Chevron / Texaco, ExxonMobil, and Shell. These allow business-based applications and report to business credit bureaus. Each card varies in network coverage and fees, so the right choice depends on where your fleet fuels most often.
2. What’s the difference between EIN only cards and ones with no personal guarantee?
EIN only cards base approval on the business’s financials and credit profile without tying the owner’s personal credit to the account. No personal guarantee cards focus on removing personal liability but may still involve an SSN for identity or compliance. In short, EIN only cards prioritize business credit evaluation, and no personal guarantee cards prioritize separating repayment responsibility from the owner.
3. What are the requirements for getting a fuel card with EIN only?
To qualify for an EIN only fuel card, a business typically needs an established operating history, consistent cash flow, and supporting financials that satisfy the issuer’s underwriting criteria. Some programs expect several years in operation or a strong business credit profile. The issuer might still ask for a personal guarantee or SSN if the business is newer or considered higher risk.
4. Do EIN-only fuel cards require a deposit?
No, EIN-only fuel cards don’t inherently require a deposit. However, requirements vary by issuer and business credit strength. Some cards with stricter underwriting may request a security deposit or prefunded option for higher-risk applicants.
