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

  • 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)*

  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.

  • Credit limits 10-20x higher than traditional small business corporate cards.

  • $100,000 bank balance required to qualify for Brex.

  • Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth over $50,000 in value.

  • Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.

  • Miles transfer program to 6 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneword, and SkyTeam.

  • 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.

  • Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.

  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text and email. Instantly add new users and set spending limits.

  • Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-7x

  • Bonus offer

    75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)

  • Intro APR

    N/A

  • Ongoing APR

    N/A

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

N/A

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Robin Saks Frankel

Rating details

4.4

Editor's overall rating

Pros and cons

Pros
  • Qualify with limited / bad credit

  • No annual fee

  • No foreign transaction fee

Cons
  • 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.