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Brex
Situational
Corporate cards and spend management for startups. No personal guarantee required.
145 reviews
Free tierHas API
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
Quick Facts
Founded2017
PricingFrom $12/user/mo (Premium)
Free tierYes
Platformsweb, ios, android
APIAvailable
CategoryAccounting & Finance
Q: What is Brex?
Brex provides corporate credit cards and spend management without requiring personal guarantees. For startup founders, this means company credit without personal liability.
Q: How much does Brex cost?
Brex starts at $12/user/mo (Premium). A free tier is available with Essentials: free card and basic spend management.
Q: Who is Brex best for?
Brex is best for vc-backed startups wanting corporate cards without personal guarantees..
Q: Is Brex free?
Brex offers a freemium model with a free tier. Paid plans start at $12/user/mo (Premium).
Best for
VC-backed startups wanting corporate cards without personal guarantees.
Not ideal for
Bootstrapped businesses that may not meet Brex's funding requirements.
Free
Essentials: free card and basic spend management
Starter
$12/user/mo (Premium)
Pro
Custom (Enterprise)
Enterprise
Custom pricing
1
2
3
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AICores Editorial Review
Reviewed by AICores Editorial Team
Last updated: May 2026
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