EIN-only, no personal guarantee, no personal credit pull.
Find your card type — 60-second quiz →
No personal FICO required — EIN-only underwriting — personal credit not pulled
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Funded startups with $50K+ in a business bank account or operating companies with $1M+ revenue.
| Year 1 value | Ongoing value |
|---|---|
| No standard welcome bonus; spending limit scales dynamically with business cash balance | Rewards vary by Brex plan; $0 base annual fee; no FX fees; built-in expense management + accounting sync |
| Requires $50K+ business bank balance or $1M+ annual revenue — verify current Brex eligibility requirements | |
Brex Card — EIN-only, no personal guarantee, no personal credit pull. Best for: Funded startups with $50K+ in a business bank account or operating companies with $1M+ revenue.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
No — Brex underwrites on the business's EIN, revenue, and cash balance rather than on the founder's personal credit. There is no personal guarantee and no personal credit pull at application. It also does not report activity to personal credit bureaus. This makes it distinctly different from most business credit cards, which require both a personal guarantee and a hard credit inquiry.
Brex is designed for funded startups with $50,000 or more in a business bank account, and for operating companies with $1M+ in annual revenue. Pre-revenue businesses or those with thin cash balances typically don't qualify. Eligibility requirements are set by Brex and may change — verify at the Brex issuer page.
Brex uses a dynamic limit that scales with the business's cash balance — typically a multiple of the operating bank balance. This means limits can be substantially higher than personal-guarantee cards for well-capitalized businesses, but can also drop if the business's cash position drops sharply.
The base Brex Card has no annual fee and no foreign transaction fees. It's a charge card — the full balance is required each billing cycle. Virtual cards, expense management integrations, and accounting sync (QuickBooks, Xero, NetSuite) are included in the base product.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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