Brex
$0/mo est. + card fee not published
- Card type
- Charge
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo + card fee not published
Brex
The Brex Mastercard Corporate Credit Card is a charge card settled daily or monthly, with no personal guarantee and a free software plan that includes NetSuite sync.
Best for
Venture-backed or fast-growing registered companies that want a no-guarantee charge card with NetSuite sync at no software cost.
- Purchase APR
- Pay in full, no interest
- Annual fee
- Not published at source
- Card type
- Charge
- Personal guarantee
- No personal guarantee
How Brex compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Airwallex Corporate Card
$0/mo est.
- Card type
- Debit (spends your balance)
- Purchase APR
- Not applicable
- FX fee
- None
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Mercury IO
$0/mo est.
- Card type
- Charge, cash-underwritten
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Relay Visa Credit Card
$0/mo est.
- Card type
- Charge
- Purchase APR
- Not published at source
- FX fee
- Not published at source
- Personal guarantee
- Not published at source
- Minimum to apply
- $50K/mo revenue, or $20K/mo plus $25K cash
- Est. fees /mo
- $0/mo
Strengths and trade-offs
Pros
- No personal guarantee, and no personal credit bureau check or reporting
- NetSuite sync on the free Essentials plan
- Local-currency cards and billing to avoid the exchange rate markup
- A daily repayment route for funded startups without a large cash balance
- Unlimited virtual and physical cards
Cons
- Sole proprietors and unincorporated partnerships cannot apply
- No annual fee or employee card fee is published
- Currency conversion can carry an exchange rate markup
- Full multi-entity support needs the paid Premium plan
- Monthly repayment terms require a cash balance or substantial revenue
About Brex
Brex is a financial technology company and, in its own disclosure, a wholly owned subsidiary of Capital One, N.A. The Brex Mastercard Corporate Credit Card is issued by Emigrant Bank, Fifth Third Bank or Airwallex (Netherlands), and works as a charge card: statements are settled in full, daily or monthly, and Brex describes no interest rate.
The software is free on the Essentials plan, which includes accounting integrations with NetSuite and support for a limited number of entities. The Premium plan is priced per user and adds full multi-entity support. Brex does not publish an annual fee for the card.
Eligibility is for companies organized and registered in the United States, such as C-corps, S-corps, LLCs and LLPs; sole proprietors and unincorporated partnerships are excluded. Daily repayment is open to companies with equity investment or a revenue record, and monthly terms ask for a cash balance or higher revenue. There is no personal guarantee, and Brex does not check or report to personal credit bureaus.
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