Brex for Startups (partner perks)

What do you get with a Brex card for startups?

Brex gives startups business banking, a corporate card, bill pay, travel and reimbursements in one application, plus over $350K in discounts and credits on AI and SaaS tools through partner perks.

Brex says you can issue unlimited virtual and physical cards, and earn up to 7x back on spend that you redeem for cash back, credits or billboards.

Source: Brex for startups page (brex.com/startups), Brex corporate card page (brex.com/product/credit-card)

What are the Brex credit card requirements for startups?

Brex says it unlocks credit based on your business, not your credit score, with no personal guarantee required, and that limits follow financial factors such as revenue or dollars raised. Brex's startups page states no minimum cash balance or revenue figure.

Brex says you can sign up in about 10 minutes and that its cards offer up to 30x higher credit limits. Its startups page says it is trusted by 1 in 3 venture-backed US startups.

The rules for who can open an account are in Brex's help center, on its account requirements page. Read them before you apply.

Source: Brex for startups page (brex.com/startups), Brex corporate card page (brex.com/product/credit-card)

What does Brex banking for startups include?

The Brex business account bundles checking, treasury and FDIC coverage. Brex advertises a treasury return of up to 3.95%, free same-day ACH, and up to $6M of FDIC coverage through program banks.

The treasury return is variable. Brex's footnotes say yield and return fluctuate and that funds in Treasury are not FDIC-insured, while funds in Vault at program banks are eligible for FDIC insurance.

Source: Brex business account page (brex.com/product/business-account)

What partner perks come with Brex for startups?

Brex says customers can access over $350,000 in discounts from partners on tools such as AWS, Slack, OpenAI and QuickBooks, plus a Day Zero Stack of AI and software offers for a company's first year. These pages do not state one amount per partner.

On the card side, Brex lists free DashPass for all and says you earn 5% back in DoorDash credits every time you use your Brex card. Partner offers are separate from the card rewards, so check each offer's terms in your Brex account before you plan around it.

Source: Brex rewards page (brex.com/product/rewards), Brex for startups page (brex.com/startups)

How does Brex compare with Mercury and Ramp for startups?

Brex's startups page compares itself with Ramp, Mercury and J.P. Morgan on banking, treasury, cards, reimbursements, bill pay, expense management and travel. All three also publish a free way in: Brex says you can get started for free, Ramp has a Free plan at $0 per user per month, and Mercury says banking is $0 a month.

This compares what each company says on its own pages. It does not say which one is better for your company.

Source: Brex for startups page (brex.com/startups), Ramp pricing page (ramp.com/pricing), Ramp for Startups page (ramp.com/startups), Ramp corporate cards page (ramp.com/corporate-cards), Mercury pricing page (mercury.com/pricing), Mercury perks page (mercury.com/perks)