Brex Card for Startups

Brex Card for Startups

on Brex's website

Brex Card for Startups

Brex Card for Startups

Brex Card for Startups

on Brex's website

Card details

  • Perfect for tech companies and early-stage corporations with professional funding (U.S. EIN and at least $100,000 funds in corporate bank account required)

  • No personal guarantee and no impact on your personal credit score

  • The best rewards for startups: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions, and 1x on everything else

  • World Elite Mastercard® program: Advanced fraud protection, travel benefits, and no foreign transaction fees

  • Limits 10-20x higher than traditional business cards

  • Easy online application with instant approvals: Get a virtual card in 5 minutes and a physical card in the mail in 3-5 days

  • Save time with automated receipt-capture via text and email and integrations with all major accounting software

  • Build business credit: Brex partners with Experian to report your on-time payments

Rates, fees & offers

  • Annual fee


  • Rewards rate

    1 point per dollar

  • Bonus offer


  • Intro APR


  • Ongoing APR


  • Balance transfer fee


  • Foreign transaction fee


Recommended credit score

NerdWallet review

By Robin Saks Frankel

Rating details


Editor's overall rating

Pros and cons

  • Qualify with limited / bad credit

  • No annual fee

  • No foreign transaction fee

  • No 0% intro APR

With its no personal guarantee requirement, the $0-annual-fee Brex Card for Startups card is a good fit for those who fit a specific profile: owners of early-stage startups with high cash flow who need access to high credit. Brex determines the creditworthiness of a business by evaluating its cash flow, spending patterns and financial backing, rather than the applicant's own credit history.

The Brex Card for Startups card works on the Mastercard network, there are no foreign transaction charges, and cardholders can earn rewards, which can jump to elevated rates for those who use the card exclusively. Because the Brex Card for Startups is a charge card, someone seeking a 0% offer or big sign-up bonus should look elsewhere.

For more information, see our full review of this card.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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