Brex credit cards
Corporate card and spend-management platform for startups and growing companies.
About Brex
Brex is a fintech that offers a corporate card and spend management platform, best known among startups and growing companies for cards that do not require a personal guarantee. Credit limits are based on your company's financial profile, including revenue, amount raised or cash balance, and the cards run on the Mastercard network. Brex cards are issued by partner banks such as Emigrant Bank and Fifth Third Bank.
Brex suits you if you run a U.S.-incorporated company, including startups, LLCs and eligible nonprofits, and want expense controls, receipts and card issuing in one place without putting your personal credit on the line. Brex says it does not check or report to personal credit bureaus. The limitation: it is not for individuals or unincorporated businesses, and while Brex charges no foreign transaction fee, it can apply an FX rate markup of up to 3% on currency conversions.
Notable Brex cards
- Brex Corporate Card
Approval rules and tips
Business underwriting based on company financials rather than personal credit (per issuer model).
- Brex does not require a personal guarantee and does not check or report to personal credit bureaus.
- You need a U.S.-incorporated company and an EIN to apply.
- Limits are based on company revenue, amount raised or cash balance; venture-backed LLCs can qualify with relatively low cash reserves.
How to apply for a Brex card
Apply online at brex.com using your company's EIN. Brex does not check personal credit bureaus, since it underwrites the business rather than you. Have your company's formation details, a U.S. business address and access to your business bank account ready so Brex can review revenue, amount raised or cash balance. Venture-backed LLCs can qualify with relatively low cash reserves.
Customer service: www.brex.com
Brex FAQs
What credit cards does Brex offer?
Brex's notable cards include Brex Corporate Card. See the cards we review below for fees, rewards and APRs.
Does Brex have special approval rules?
Business underwriting based on company financials rather than personal credit (per issuer model).
How do I apply for a Brex credit card?
Apply on www.brex.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Does Brex affect my personal credit?
Brex says it does not require a personal guarantee and does not check or report to personal credit bureaus. Card activity stays at the business level, so it should not show on your personal credit report. Your company is still responsible for paying the account under its agreement with Brex.
Does Brex charge foreign transaction fees?
Brex says it does not charge foreign transaction fees, but it may apply an FX rate markup of up to 3% when converting purchases made in other currencies. If your team spends heavily abroad, compare that effective conversion cost with other corporate cards before you choose.