No personal guarantee, high rewards, and real startup perks — here’s how the Brex Card helped me build smarter, not harder.
Luana Ribeiro · July 10, 2025 · 3 minutes
When I launched my company, I wanted a credit card that was designed for startups — not just a repackaged personal card.
That’s why I chose the Brex Card, and several months in, it’s clear: this card was built with people like me in mind.
First off, the biggest selling point: no personal guarantee and no credit check.
I didn’t need to put my personal credit on the line or show a long credit history.
Brex approved my business based on our cash flow and business bank account — not a FICO score.
From there, the experience just kept getting better.
I got access to custom virtual cards for my entire team, with real-time expense tracking and control.
Each card had its own spending limit, category restrictions, and instant notifications. It replaced the need for a separate expense management tool.
The rewards structure is generous and perfectly aligned with how a modern tech company spends: – 8x on rideshare (Uber, Lyft) – 5x on travel – 4x on restaurants – 3x on recurring software – 1x on everything else I earn points daily just by running the business normally.
One of the best surprises was the over $150,000 in partner perks — including AWS credits, discounts on Notion, QuickBooks, Zoom, and more.
I redeemed at least $4,000 in real savings during the first three months just from tools we already use.
The card also works as a charge card, meaning there’s no interest — just a daily or monthly automatic repayment based on your settings.
There are also no annual fees, no foreign transaction fees, and the interface (web + mobile) is fast, intuitive, and built for operators.
It also reports to business credit bureaus, helping me build company credit without touching my personal profile.
That’s huge as we grow and look toward other lines of business financing in the future.
If you’re running a venture-backed company, eCommerce brand, agency, or tech startup — and you want speed, control, and value — I highly recommend the Brex Card. It’s more than a credit card. It’s a financial operations platform for scale.
No — Brex does not require a personal credit check or personal guarantee. Approval is based on your business cash flow and bank activity.
It combines high rewards, virtual card control, expense management, and partner discounts — all in one platform.
Yes — Brex reports to commercial credit agencies, helping you build your company’s credit profile over time.
There are no annual fees, no interest charges, and no foreign transaction fees. It’s one of the most founder-friendly cards available.
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.
Cards
Cards
Cards