BR

Brex

Situational

Corporate cards and spend management for startups. No personal guarantee required.

145 reviews
Free tierHas API
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In a nutshell

Brex is the default corporate card for funded startups. No personal guarantee, startup-focused rewards, and integrated spend management solve real problems for growing companies. The requirement for qualifying funding means it is not for everyone, but for its target audience, Brex is the obvious choice.

What's great

  • No personal guarantee required for corporate cards
  • Startup-optimized rewards (SaaS, travel, restaurants)
  • Integrated spend management with approval workflows

Watch out for

  • Requires qualifying funding — not available to all businesses
  • Moved away from SMBs to focus on startups and enterprises
  • Rewards rates have decreased over time

Best for

VC-backed startups wanting corporate cards without personal guarantees.

Not ideal for

Bootstrapped businesses that may not meet Brex's funding requirements.

Pricing

Free

Essentials: free card and basic spend management

Starter

$12/user/mo (Premium)

Pro

Custom (Enterprise)

Enterprise

Custom pricing

View official pricing →
How it compares
ST

Stripe

4.6

The payment infrastructure for the internet. APIs for every payment scenario imaginable.

ME

Mercury

4.5

Banking for startups. Beautiful interface, powerful APIs, and founder-friendly features.

WI

Wise

4.5

International transfers at the real exchange rate. The fairest way to send money globally.

See full comparison →
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