Brex for Startups review |

Brex for Startups review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

What happens when I click Apply now?
  • Clicking Apply now will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete.
  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.
Click here to start your application >>

A charge card for startups that doesn’t require a personal guarantee.

  • Get this card if you’re a startup and want a hassle-free card without a personal guarantee.
  • Pick something else if you want an intro APR period or if you want to carry your balance.
  • Apply with a minimum of $100,000 in your business bank account.
Product NameBrex for Startups
Card typeMastercard
Annual fee$0
Purchase APRN/A
Balance transfer APRN/A
Foreign transaction feeNone
Interest free periodUp to 30 days
Additional cardholder fee$5
Minimum Age18 years of age
Welcome OfferUp to $25,000 worth of credits for business services like Amazon Web Services, Salesforce, Zendesk and more
Rewards7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
Base Rewards1x points

The basics

The Brex for Startups corporate card is a charge card designed for startups. To apply, you don’t need a personal guarantee or a deposit, and you can get a credit line 10 times higher than you would with a standard business credit card. With the management tools and easy accounting software integration, you can save time on analyzing employee spending and month-to-month reconciliation.

The perks

  • No personal liability.

    This is one of the rare corporate cards for startups that doesn’t require personal liability, a credit score, social security number or security deposits. Since startups have a high failure rate, this can give you a peace of mind knowing your personal assets won’t be affected in case of default.

  • High credit limit.

    Brex claims you’ll get a credit limit that’s 10 to 20 times higher than with a traditional business card. That’s because your assigned credit line is based on the cash you raised and the equity your company has.

  • Earn rewards.

    Earn 1x points on all of your purchases. And if you make Brex for Startups your exclusive credit card, you boost your earning to 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x on dining, 2x on recurring software and software as a service and 1x points on everything else you buy. Each point is worth one cent.

  • Signup bonus.

    Get up to $25,000 worth of services, including $5,000 in credit for Amazon Web Services, a 25% subscription discount of up to $375 for Salesforce, $436 credits per month for 12 months for Zendesk and more.

You’ll also like

  • Easily add new card members.

    Quickly issue new cards to your team and set their spending limits.

  • Use your card immediately.

    Upon approval, start making purchases with a virtual card while waiting to get the physical card.

  • Expense management tools.

    Save time and analyze employee spending by automatically transferring your data to your accounting software. Brex integrates with QuickBooks, Xero, NetSuite and Expensify.

  • World Elite Mastercard® benefits.

    Enjoy security against unauthorized purchases with zero liability and advanced fraud and ID theft protection. You’ll also get global assistance and insurance for travel purchases made with your card.

  • No annual fee.

    Your first five cards have no annual fee. For each additional card, pay $5 per month.

  • No foreign transaction fees.

    If you travel abroad, use this card freely without incurring any foreign transaction fees.

What to watch out for

  • Can’t carry a balance.

    Your due date is 30 days after the close of your statement period, and you must pay it in full.

Compare business credit cards

Updated August 23rd, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.24% to 21.24% variable)
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
Unlimited 1.5% cash back on every purchase, every day.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.24% to 21.24% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

Compare up to 4 providers

What size business is the Brex for Startups card good for?

Brex is aimed at startups that have at least $100,000 in their bank account. The number of employees doesn’t play a huge role with this card, as you can quickly and easily add new card members. You’ll also have expense management tools at your disposal to save time monitoring employee spending.

Where you spend How much you spend annually Cash back
Rideshares $24,000 $1,680
Dining $96,000 $2,880
Travel $36,000 $1,440
Software $50,000 $1,000
Everything else $120,000 $1,200
Total $326,000 $8,200

Suppose your startup has 20 employees, you have five Brex for Startups cards and you’ve made Brex for Startups your exclusive business card. If your annual spending looks similar to our example, you would earn $8,200 in cash back. If we add the $25,000 worth of bonuses offered by Brex, the rewards you get beat any standard business card.

Note that your rewards will vary based on how much you spend and what you redeem them for. This example is based on our own calculations at the time of writing.

What should I know before I apply?

To apply for the card, you must provide:

  • Your name and work email.
  • Company name and website.
  • How your company was funded and your role in the company.

What credit score do I need?

You don’t need to provide your credit score to apply for the card. Instead, Brex looks at your investors, your cash balance and spending patterns. And according to that, they set up your credit limit and provide you with your card.

What do customers say about Brex for Startups?

One of the features that customers especially like is that they aren’t personally liable. Others like the fast application process, the Amazon Web Services credit and the easy integration with accounting software.

How do I apply for the Brex for Startups card?

  1. Click apply now.
  2. Fill out the application form with the requested information, including your name, work email and company information.
  3. Click Create Account.

Brex card create yor account application screens

How long will it take to get my Brex for Startups card?

You can start using your card online as soon as you’re approved. To get the physical card, you’ll have to wait up to five business days.

I got the card. Now what?

  • Pay on time. You have 30 days to pay your balance. If you don’t, Brex may close your account.
  • Customer service. For any questions, call 833-228-2044 and Brex support will help you.

Bottom line

If you’re looking for long-term financing for your business, you may want to consider the Brex for Ecommerce instead. But if you’re a startup with high income or investment capital and you’re looking for a hassle-free card without personal guarantee, the Brex for Startups corporate card could be a solid choice.

The card comes with efficient monitoring tools, a robust signup bonus and if you make Brex for Startups your exclusive business card, you can enjoy a high cashback rate on rideshares, travel, dining and software.

However, if you’re not sure this is the right card for your business, look for a standard business credit card and compare your options.

Frequently asked questions

Images: Brex

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site