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
1 point per dollar
Balance transfer fee
Foreign transaction fee
Recommended credit score
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.
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