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2021 Review: Brex 30 Card — No Personal Guarantee, Take Time To Pay

Published Feb 22, 20214 min read

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Brex 30 Card

Min Credit Level Eligibility determined by business financials
Annual Fee $0
Regular APR Not Applicable - Paid in Full Monthly
At a glance

The Brex 30 Card requires no personal guarantee and uses your business financials to determine your eligibility, rather than your personal credit scores. It offers three different (and valuable) reward programs and comes with a wide swath of perks, for no annual fee.

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Our Rating: 5 Out of 5 Stars

Why We Like It

  • Your choice of three valuable industry-specific rewards programs
  • Benefits include several thousand dollars in statement credits and discounts for business tools and services
  • Proprietary expense management systems, including receipt-matching, intelligent reconciliation, and more
  • Available with no personal guarantee and no personal credit check
  • No annual fee or foreign transaction fee

Why It Could Be Better

  • Only available to businesses that meet relatively strict criteria
  • Not available to sole proprietors
  • Misses some major business-related spending categories, such as telecom services and shipping
  • Limited point transfer options
  • Must have a minimum of $50,000 in a bank account for venture-backed companies; $100,000 otherwise

Brex 30 Card

Min. credit levelEligibility determined by business financials
Details
Annual Fee$0
Regular APRNot Applicable - Paid in Full Monthly
Apply Now

securely on the issuer's website

  • Choose either Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
  • $5,000 in Amazon Web Services credit over a year
  • $150 in Google Ads credit
  • 5% rebate on Microsoft ad products
  • 50% discount on all Dropbox Standard, Business, and Advanced plans
  • 20% discount on annual Zoom subscription
  • No foreign transaction fee
  • No annual fee
  • Minimum of $50,000 required in bank account for venture-backed companies; $100,000 otherwise
  • Not available to consumers, sole proprietors, unregistered businesses, and other non-individual liability companies

Insider Advice: Getting the Most Out of Your Card

  • Take some time to pay, but pay in full: The Brex 30 card must be paid in full each billing cycle; you can’t revolve a balance from month to month.
  • Consider pairing it with Brex Cash to pay daily and earn more points: The Brex 30 card can be paired with a Brex Cash account, if you so choose, and your balance will be paid daily. That’d be nice because you’d never have to worry about making payments or late fees. You’ll also earn 1X more point per dollar in certain bonus categories.
  • Pick Tech Rewards, Life Science Rewards, or Remote Workforce Rewards: Brex offers three great rewards programs, designed for different kinds of business expenses. There’s more to customize (and more points per dollar) than most other business cards.
  • Get the word out about your company: All three of the Brex reward programs include 1.5X points per dollar for ads, so you can rack up the rewards.
  • Take advantage of the card benefits: In addition to its more traditional point-based signup bonus, Brex provides new cardholders with thousands of dollars in statement credits and discounts for services that many up-and-coming businesses will likely find useful.
  • Redeem points to reduce your account balance: The Brex card earns points relatively quickly if you play your cards right, and the company allows statement credit point redemptions at a rate of 1 cent per point.
  • Redeem points through Brex Travel: Thanks to negotiated rates, redeeming points through Brex Travel may allow you to score an exceptional deal on your next business excursion.
  • Transfer your points when it makes sense: Brex allows 1:1 point transfers to select airline loyalty programs, which may allow you to boost your return on spend beyond the 1-cent-per-point value that Brex offers.

The Rewards

Earning

Tech Rewards
  • 7X points per dollar on:
    • Rideshares
    • Taxis
  • 4X points per dollar on:
    • Flights booked through Brex Travel
    • Hotels booked through Brex Travel
  • 3X points per dollar on:
    • Dining
    • Eligible Apple products via the Brex portal
  • 2X points per dollar on Recurring Software purchases
  • 1.5X points per dollar on Ad purchases (Brex Cash customers only)
  • 1X point per dollar on every other purchase
Life Sciences Rewards
  • 7X points per dollar on Conference tickets
  • 4X points per dollar on:
    • Flights booked through Brex Travel
    • Hotels booked through Brex Travel
  • 3X points per dollar on eligible Apple products via the Brex portal
  • 2X points per dollar on Lab supplies
  • 1.5X points per dollar on Ad purchases (Brex Cash customers only)
  • 1X point per dollar on every other purchase
Remote Workforce Rewards
  • 7X points per dollar  on Collaboration tools
  • 3X points per dollar on Food delivery services
  • 2X points per dollar on Recurring Software purchases
  • 1.5X points per dollar on Ad purchases (Brex Cash customers only)
  • 1X point per dollar on every other purchase

You’ll earn an extra 1X point per dollar in certain categories if you combine the Brex 30 with a Brex Cash account, and pay your balance daily.

Redeeming

You have three point redemption options:

  • Statement credits
  • Gift cards
  • Travel

And you can also transfer your points at a 1:1 ratio to a variety of airline mile programs, covering several airline alliances. As of publication, Brex’s airline partners are:

Airline Partners
Aeromexico Club Premier Air France/KLM Flying Blue Asia Miles Avianca LifeMiles
Emirates Skywards JetBlue TrueBlue Qantas Frequent Flyer Program Singapore KrisFlyer

The Benefits

Few business cards provide this much value in the way of statement credits, and that’s definitely one way Brex overtakes its competitors. Plus, it certainly helps that a lot of the services available through these benefits are precisely tailored to benefit blossoming corporations.

  • Statement credits: $5,000 for Amazon Web Services, $150 for Google Ads, $500 for Twilio, $1,560 for SendGrind, $5,232 for ZenDesk, and 15% off WeWork, among others
  • Brex Travel: This portal allows you to book corporate travel, reportedly offering potential savings ranging from 30%–60%. Brex Travel also allows cardholders to save unique travel profiles with frequent flyer information.
  • Proprietary expense management tech: Perks like transaction data cleanup and receipt capture help make it easier to record and organize expenses.
  • Seamless integration with modern accounting tools: Connect your Brex account with software like Quickbooks, Expensify, and Xero.
  • Virtual cards: Before you get your physical card, you’ll receive immediate access to virtual versions of your Brex card, so you can make purchases online and by phone ASAP.
  • U.S.-based support: Phone, email, and chat options offer versatile, convenient support when you need it most.
  • Fraud monitoring: Round-the-clock fraud monitoring featuring a blend of machine intelligence and human analysis helps safeguard your personal information.

Remote Collaboration Benefits

On top of the card’s typical benefits, Brex is offering several additional perks to help serve remote workforces, including:

  • 20% off an annual Zoom subscription
  • 25% off 12 months of any eligible Slack plan
  • 50% off an annual Dropbox subscription
  • 3 months of discounts on DoorDash
  • $100,000 in incremental AWS (Amazon Web Services) credit
  • 25% off an annual Monday.com subscription

The Terms & Fees

Annual Fee Foreign Transaction Fee
$0 None

The Brex 30 card is a charge card — that means it needs to be paid in full each billing cycle. That could sound restrictive, but many companies see that as a nice feature because there’s no bothering with interest rates or charges.

If you combine your Brex 30 with a Brex Cash account, the balance can be paid daily from that account. You’ll also earn more points in some categories.

How Do I Apply for the Brex 30 Card?

Follow the link below to apply for the Brex 30 card. See the qualifications and requirements below.

What Credit Scores Do I Need to Qualify for the Brex 30 Card?

Brex does not use your personal credit scores for the application, and a personal guarantee is not required. Instead, Brex will use your business financials to determine your eligibility, including your revenue, funding status, and funds in the bank.

Qualifications and Requirements

  • You must:
    • Work for a corporation or another non-individual liability company
    • Be organized and registered in the U.S. (such as a C-Corp, S-Corp, LLC, or LLP)
    • Have an employer identification number (EIN)
    • Have professional investors
    • Have a minimum of $50,000 in a bank account for venture-backed companies; $100,000 otherwise
  • You can’t qualify for a Brex card if:
    • You are a sole proprietor, an unregistered business, or a consumer
    • You are involved in any of Brex’s prohibited activities (gambling, prostitution, get-rich-quick schemes, and more)

Brex Daily Card

Min. credit levelEligibility determined by business financials
Details
Annual Fee$0
Regular APRNot Applicable - Paid in Full Daily
Apply Now

securely on the issuer's website

  • Choose either Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
  • $5,000 in Amazon Web Services credit over a year
  • $150 in Google Ads credit
  • 5% rebate on Microsoft ad products
  • 40% off your first 12 months of QuickBooks
  • 25% off an annual Monday.com subscription
  • No foreign transaction fee
  • No annual fee
  • Not available to consumers, sole proprietors, unregistered businesses, and other non-individual liability companies
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Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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