Brex · Corporate charge
Brex Card review
Brex is a corporate charge card built for venture-backed startups. It doesn’t require a personal guarantee, founders’ personal credit isn’t used or reported, and you apply with your company’s EIN.
Who Brex is best for
Venture-backed US startups, founders who want to keep personal credit separate and teams wanting corporate cards with expense management.
Businesses that prefer simple flat cashback.
Brex is a corporate charge card built for venture-backed startups. It doesn’t require a personal guarantee, founders’ personal credit isn’t used or reported, and you apply with your company’s EIN. The free plan has no annual fee.
Rewards come as points rather than flat cashback. Brex has been part of Capital One since April 2026, and it’s rated 4.5 on Capterra from 139 reviews.
Fees, features and eligibility
| Rewards | Points |
|---|---|
| Annual fee | $0 |
| Fees | $0 (free plan) |
| Card type | Corporate charge |
| Eligibility | US businesses applying with an EIN |
| Personal guarantee | Not required |
| Currencies | USD |
Source: Brex published product information.
What stands out
Pros
- No personal guarantee
- Personal credit not used or reported
- Free plan
Cons
- Points instead of flat cashback
Brex: common questions
Does Brex require a personal guarantee?
No. Founders’ personal credit isn’t used or reported.
How do I apply for Brex?
US businesses apply with their EIN.
Does Brex have an annual fee?
The free plan has no annual fee.
Who owns Brex?
Brex has been part of Capital One since April 2026.
Used Brex? Help other businesses choose.
