Brex Card for Startups
Underwritten against your business's cash balance instead of the founder's personal credit — no personal guarantee, no personal credit pull. Comes bundled with spend-management and card-issuing software rather than being a standalone card.
Brex Card for Startups at a glance
Issued by Brex. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR — balance paid in full daily/monthly (charge card)
- Foreign transaction fee
- None
Rewards
Tiered points (up to 7x) on top spend categories like rideshare and software
Brex Card for Startups's annual fee vs. the cheapest and priciest cards on the marketplace
Brex Card for Startups vs. similar Startups & high limit
| Criterion | Brex Card for Startups | Spark Cash Plus | Ramp Corporate Card |
|---|---|---|---|
| Annual fee | $0 | $150 (waived first year) | $0 |
| Regular APR | No APR — balance paid in full daily/monthly (charge card) | Pay in full (charge card) | No APR — balance paid in full (charge card) |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Brex Card for Startups charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +No personal guarantee
- +Limit can scale well beyond what a personal-credit card would allow
- +Free built-in expense software
Cons
- −Requires holding cash balances with Brex or a linked account
- −No revolving balance — must pay in full
Brex Card for Startups has no annual fee, requires good/excellent credit, and carries a No APR — balance paid in full daily/monthly (charge card) regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Venture-backed or cash-funded startups that want no personal guarantee
We don't have a partnership with Brex — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.