4.5/5 stars

A corporate card with no personal guarantee required and limits based on your company’s cash balance and business model. 


  • Higher credit limits
  • Local currency cards
  • International travel benefits


      • Must pay off in full every month
      • High cash balance requirement can be a barrier to entry

      The Bottom Line

      Brex is an amazing option for funded startups that want a low-cost, feature-rich business card and spend management.

      This page may contain affiliate links. Our assessments are grounded solely in the product’s merits and performance.

      Plans & Pricing

      Brex uses a pricing model different to traditional business cards. Instead of charging an annual fee, Brex has subscription-based monthly plans with different tiers more similar to business software. In addition, since balances must be paid off in full every month, there is no interest or APR. This allows Brex to offer more tailored features for the unique needs of tech startups for each stage they are in.

      Intro Offer: 

      Brex does not currently have any intro offers published. However, users have reported receiving offers earning 30,000 points after spending $3,500 within the first 30 days, or 50,000 points after spending $9,000. For the most accurate information, contact a sales rep. 


      • 7x on rideshare
      • 4x on Brex travel
      • 3x on restaurants
      • 2x on software
      • 1x on everything else

      All transactions in USD from US merchants are eligible for rewards. 

      With the Brex card, you can redeem points for exclusive rewards that are designed to help you and your business grow. For instance, you can purchase billboards, executive coaching sessions, offsite planning services, and mental healthcare with your points. If you travel frequently, you can redeem Brex points for miles at participating partners (including Air France KLM, Emirates, Qantas, and Singapore Airlines). You can even redeem your points for cryptocurrency (Bitcoin and Ethereum) through their partner TravelBank.


      Brex determines eligibility by looking at the business itself, instead of the business owner. 

      US Documentation: All Brex applicants must have a US Employer Identification Number (EIN) issued by the IRS, a valid US incorporation, and a physical address. 

      To be eligible for a plan that requires daily payments, you should have any of the following:

      • Received an equity investment of any amount (accelerator, angel, or VC) or plan to in the near future.
      • More than $1 million a year in revenue.
      • More than 50 employees.
      • Tech startups who are on a path to meeting the criteria above, and are referred by an existing customer or partner.

      To be eligible for a plan that requires monthly payments: 

      • Accelerator-funded companies that meet the daily payment requirements
      • Venture-funded companies 
      • Angel-funded companies that have raised over $100,000 and plan to raise capital from an accelerator or VC in the future
      • Mid-market/enterprise with more than $400K/month in revenue

      For monthly payment plans, startups must maintain a $50,000 minimum cash balance if they’ve raised capital (potentially less if you’ve been referred by certain partners).

      Pricing information is retrieved from publicly accessible pricing materials. The actual cost may vary based on specific plans chosen. Always check directly with the seller for the final quote.

      Pricing information last updated March 7, 2024.

      Eigibility requirements mentioned are for informational purposes only and are sourced from publicly accessible information. Final eligibility for any product or service is determined solely by the vendor or service provider. 

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      Ask me more about Brex.

      Product Review

      The Brex corporate card is tailored for startups, ecommerce businesses, and tech companies, offering a range of features designed to meet the unique needs of fast-growing businesses. Unlike traditional corporate cards, Brex doesn’t require a personal guarantee and sets credit limits based on the company’s cash balance, spending patterns, and business model rather than the owner’s personal credit score.  In addition, the card is known for its reward programs, which are tailored to the kinds of expenses that startups and tech companies frequently incur, such as software subscriptions, travel, and dining.

      Brex is issued on the Mastercard network, ensuring worldwide acceptance. 

      Here are some of its key features:

      • Instant Approval and Use: Qualified businesses can be approved quickly and start using a virtual card immediately, even before a physical card arrives.
      • Dynamic Credit Limits: Credit limits can automatically adjust based on the company’s cash balance and spending, providing flexibility as the business grows.
      • Expense Management Tools: Brex offers built-in expense management features, including receipt capture and categorization.
      • No Foreign Transaction Fees: Ideal for businesses that require international travel or transactions.

      Best for: Startups and Tech Companies with Funding

      Brex is best suited for funded startups, ecommerce businesses, and tech companies that have a solid financial foundation and are looking for a corporate card that offers flexibility, high credit limits, and rewards that align with their spending patterns. These businesses often benefit from the no personal guarantee feature, expense management tools, and rewards that cater to their frequent expenses.

      However, traditional businesses with lower operating expenses, those outside the tech or ecommerce space, or small businesses without external funding may find that Brex’s offerings don’t align with their needs as closely as other financial products might.

      Note that Brex does not allow balances to be carried over monthly. The balance must be paid in full every 30 days, differing from traditional cards that offer revolving credit with interest. In addition, Brex does not provide cash advance features. So, if your cash flow cannot support this model, consider another card.


      Why we love it:

      • High Credit Limits: Brex is known for providing significantly higher credit limits compared to many other corporate cards, often tailored to a company’s financial profile and spending needs.
      • Fast Approval Process: Brex offers a quick and streamlined application process, with the ability to approve businesses based on their cash balance and spending patterns, rather than relying solely on credit history.
      • No Personal Guarantees: Brex doesn’t require business owners to provide personal guarantees, which means your personal credit score and assets are not on the line if your business can’t pay its card balance.
      • Tailored Rewards: The card offers rewards and benefits that cater to the needs of different industries and business types. For example, for businesses looking for some visibility, you can even redeem your rewards to appear on a billboard. Or, redeem your points for executive coaching to learn how to better lead your team.
      • Expense Management: Brex includes a robust expense management platform that helps businesses track, categorize, and manage expenses efficiently. It integrates with popular accounting software.
      • No Foreign Transaction Fees: The card is advantageous for businesses with international operations, as it doesn’t charge foreign transaction fees, and it offers favorable exchange rates.
      • Zero Liability: Brex provides zero liability protection for unauthorized transactions, offering security against fraudulent charges.


      Brex is an amazing option for funded startups that want a low-cost, feature-rich business card and spend management. 


      For funded startups and growing companies

      Continue on Brex website


      For mid-sized companies looking to scale

      Continue on Brex website


      For global enterprises with custom needs

      Continue on Brex website

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