Brex corporate card for startups — no personal guarantee required
Brex approves startups based on cash balance, not founder credit score. Get 10–20x higher limits, built-in expense management, and rewards on every dollar spent.
What makes Brex the corporate card for startups
Built from the ground up for venture-backed and early-stage companies — not retrofitted from a traditional bank product.
No personal guarantee
Brex underwrites on your company's cash balance and funding stage. Your personal credit score is never pulled, and you are never personally liable for company spending.
Limits that scale with you
Starting limits run 10–20x higher than traditional small business cards. As your cash balance and revenue grow, your limit grows automatically — no applications required.
Approved in minutes
Connect your business bank account, verify your US entity and EIN, and get approved the same day. No weeks-long underwriting process, no branch visits.
Expense management built in
Every card transaction is automatically categorized, receipt-matched, and synced to QuickBooks, Xero, or NetSuite. No manual entry, no end-of-month scramble.
Global payments, zero fees
Send ACH and international wires at no cost. Issue virtual cards for SaaS subscriptions in seconds. Accept and hold multiple currencies from a single account.
Rewards on every purchase
Earn up to 7x points on rideshare, 4x on travel, 3x on restaurants, and 2x on software. Redeem for cash back, statement credits, or travel — with no blackout dates.
Brex vs. traditional corporate cards
Traditional cards were designed for established companies. Brex was designed for how startups actually operate.
| Feature | Brex | Traditional bank card |
|---|---|---|
| Personal guarantee | ✓ Not required | ✗ Usually required |
| Underwriting basis | ✓ Company cash balance | ✗ Personal credit score |
| Spending limits | ✓ 10–20x higher, scales with growth | ✗ Fixed, based on creditworthiness |
| Expense management | ✓ Built in, no extra cost | ✗ Separate software required |
| Accounting integrations | ✓ QuickBooks, Xero, NetSuite | Manual export / CSV |
| International wires | ✓ Free, 100+ currencies | ✗ Fees per wire |
| Virtual cards | ✓ Unlimited, instant | ✗ Limited or unavailable |
| Monthly fee | ✓ $0 on Essentials plan | Varies ($0–$550+) |
Frequently asked questions
Everything founders ask before opening a Brex account.
No. Brex does not require a personal guarantee or personal credit check for startup founders. Approval is based on your company's cash balance and business financials, not your personal credit score. This makes it one of the few corporate cards accessible to first-time founders with no personal credit history in the US.
Brex offers starting limits 10 to 20 times higher than traditional small business cards. Limits are dynamic and scale automatically with your company's cash balance and funding stage — no application needed when your business grows.
Brex underwrites based on your business bank balance, funding history, and revenue — not personal credit. Most startups with a US entity, EIN, and active business bank account linked via Plaid can get approved within minutes.
Brex offers 7x points on rideshare, 4x on Brex travel, 3x on restaurants, 2x on recurring software subscriptions, and 1x on all other purchases. Points can be redeemed for cash back, travel, or statement credits with no blackout dates or minimum redemption thresholds.
Open your Brex account today
Join 35,000+ companies that use Brex to spend smarter. No personal guarantee, no fees, no hassle.
Get started — it's free