For anyone else who stumbles across this comment: AmEx offers Corporate cards both with or without a personal guarantee, depending on what the company wants to do. And (also mentioned farther down in this thread) they also give the option to give the card rewards to each individual employee cardholder, or give all the rewards to the business, again depending on what the company chooses.
When you start a corporation with no history, any credit obtained is obtained through the founders personal credit history, with all the liability that entails.
When the corporation reaches a certain point of maturity, the corporation starts having it's own 'credit' and non-personally backed credit lines can be obtained.
I'm ignorant as to the variables used to determine 'maturity' (though processing volume and tax history are probably two, since I know you can get a corporate credit line backed by outstanding accounts receivable alone)
This is for a DE corporation and I'm a California resident.
No approved expenses report, no payment, your own problem.
I routinely order multiple employee cards with nothing more than employee names. Sometimes they use last 4 digits or DOB to allow employee to authenticate for online access - you can use any 4 digits though you want (ie, employee ID works fine). No personal guarantee. Oddly, I'd never heard of a corporate card requiring an employee guarantee though I guess Amex is one of them.
This stripe card is a corporate card in the "normal" sense for me - no personal guarantee. This makes getting them (usually) very easy, just upload a list of 20 names and the cards come. I even do things like "Office Manager" for the name on non-stripe cards - works fine.