This card gave me the control, flexibility, and rewards I needed to scale without tying up my personal credit.
Luana Ribeiro · July 10, 2025 · 3 minutes
When I launched my startup, getting access to capital and building business credit were constant challenges.
I didn’t want to put everything under my personal name or risk my credit score — and that’s exactly why I applied for the Brex Card. It felt like this card was built for founders like me.
BUSINESS & STARTUPS
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One of the biggest selling points for me was the no personal guarantee (PG) requirement.
Brex doesn’t do personal credit checks, which gave me confidence to apply as a business without the risk of impacting my personal profile.
From day one, I had access to a corporate credit limit based on my company’s cash flow, not my FICO score. That was a game-changer.
I could issue virtual cards to my team, set spending limits, and categorize expenses by department — all within a clean, easy-to-use dashboard.
The rewards structure is also super generous — I earn: – 8x points on rideshare (like Uber, Lyft) – 5x on travel – 4x on dining – 3x on recurring software subscriptions – 1x on everything else It’s perfectly tailored to a tech-driven business like mine.
Another hidden gem? Brex includes over $150,000 in partner rewards, including credits for AWS, Slack, Notion, and Google Ads. I used several of these right away and saved a ton on software costs.
The mobile app is slick, transactions are instant, and I always know where every dollar is going.
I’ve also been able to build my business credit history fast — because Brex reports to commercial credit bureaus.
If you're a founder, startup operator, or high-growth business owner, I honestly can’t recommend this card enough.
It gave me the tools to scale without friction — and without tying up my personal finances.
No. One of Brex’s biggest strengths is that it does not require a personal guarantee or credit check. It evaluates your business based on its financials.
Brex offers up to 8x points depending on the spending category. You can redeem rewards for travel, gift cards, crypto, or statement credits.
Yes — you can issue unlimited virtual and physical cards, assign team roles, set limits, and track expenses all in one place.
Yes, the Brex Card has no annual fee, no interest, and no foreign transaction fees. It works more like a charge card — you pay the balance daily or monthly, depending on your setup.
The Brex Card is designed for U.S.-based businesses with an EIN and a business checking account. It’s ideal for startups, SaaS, eCommerce, and venture-backed companies.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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