Brex
A corporate charge card and business banking platform built for venture-backed startups. Underwriting runs on company cash balances and investor backing rather than the founder's personal credit, so there is no personal guarantee and no FICO pull. Capital One announced an agreement to acquire Brex in January 2026, with closing expected mid-year.
Application Rules
- ▸Approval and limits key off cash on deposit and funding history; unfunded businesses with thin balances are routinely declined
- ▸Top earning multipliers require daily statement payments from a linked Brex business account
- ▸Sign-up point offers usually require applying through Brex's dedicated offer landing pages
Tracked Brex Cards
MastercardBrex Card
Business · No AF
Brex CardBrex
The startup charge card that pays up to 7x and never touches your personal credit.
30,000 pts bonus (≈$300)AF: $0Rating: 8.2/10