Brex Card

Apply at brex.com. Brex requires business bank account access (read-only via Plaid) and underwrites based on business cash balance and revenue. Best for VC-backed startups or established small businesses with $50K+ in business bank accounts.

Brex Card is the right card for VC-backed startups that can't accept personal-guarantee terms. $0 annual fee, no personal guarantee (underwriting based on business cash balance), 7x on rideshare (Uber, Lyft), 4x on Brex Travel (their travel portal), 3x on restaurants, 1x on everything else. Setup is instant once business banking is connected. The trade-off is that Brex requires Net-30 daily payment terms by default (you can apply for Net-60), which works for businesses with strong cash management but is restrictive otherwise.