# The Best Corporate Card for Startups and Growing Businesses Brex corporate credit cards give startups and enterprises up to 30x higher limits with no personal guarantee, built-in spend controls, and up to 7x rewards. **URL Source:** https://www.brex.com/product/credit-card --- ![CardsHero-R5](https://brand.brex.com/m/70ead059a892c912/original/CardsHero-R5.mp4) The corporate card every growing business deserves. Where higher spending power meets automated smarter controls — and expense reports do themselves. [Explore interactive product demo](https://brex.navattic.com/fnh0l17?utm_source=credit_card) Corporate credit cards for startups and enterprises. ![3](https://brand.brex.com/transform/9553eb30-ce62-4ba3-8750-410319464e62/3) Worldwide card acceptance. Physical and virtual cards issued on the leading worldwide network, Mastercard, with acceptance in 210+ countries and territories. [Learn more](https://www.brex.com/product/global) ![2](https://brand.brex.com/transform/98a4a40e-b7c2-4915-acd1-fd163bbe79e1/2) 5-star app on iOS and Android. Manage your card from your phone. Pay with Apple Pay, cancel your card, and view your spend all in one app. [Learn more](https://www.brex.com/product/mobile) ![7x-wide](https://brand.brex.com/transform/00202eea-6b0f-4661-95f4-a96e82c3ef3e/7x-wide) Get rewarded for spending. Earn up to 7x back, redeem for cash back, credits, or even billboards. [Learn more](https://www.brex.com/product/rewards) ![4](https://brand.brex.com/transform/f57b176b-45af-41a6-8e8b-c6c44238c7a6/4) Credit limits that grow with you. Get a card limit that keeps pace with your business based on financial factors such as revenue or dollars raised. [Learn more](https://www.brex.com/solutions/startups#:~:text=Unlock%20credit%20based%20on%20your%20business%2C%20not%20your%20credit%20score) ![5](https://brand.brex.com/transform/6c9ba561-c5ad-46c9-98a0-06b9e92c466c/5) 24/7 customer support. Call or chat live 24/7 from anywhere, with notifications by Slack, text, email, WhatsApp — whatever you prefer. [Learn more](https://www.brex.com/contact-us) ![6](https://brand.brex.com/transform/e19168b6-e4f4-4635-a286-8ed4a7c20a31/6) Enterprise-grade security. Chip and PIN, fraud protection, and more on World Elite Mastercard. [Learn more](https://www.brex.com/trust) Centralize your spend on one global card platform. Enable spend for travel, procurement, and more with worldwide card acceptance and local-currency cards in 50+ countries. T&E cards Enable travel expenses and ensure policy compliance with automated controls, receipts, and memos. Vendor cards Issue card with built-in controls for specific vendors, and set to recur or expire. Purchase cards Instantly issue purchase cards with per-transaction AP controls and PO-like approval flows. Benefits cards Set up recurring or one-time stipend cards with embedded policies — and only pay for what's used. You name it Provision spend limits for any need, and your policy will be auto-applied with every Brex card swipe. Control spend before it happens with built-in card controls. Brex cards have expense management built in — because a card without controls is, well, out of control. [Explore expense management](https://www.brex.com/product/spend-management) ![spend management-compliance](https://brand.brex.com/transform/48de62c1-2642-41a2-8d1a-22cb8a8ef3ba/spend-management-compliance) Automate employee compliance. Brex cards automatically collect itemized receipts compliant with IRS or local tax laws, generate memos, and categorize to the right GL and/or project — including at international entities. ![spend management-custom limits](https://brand.brex.com/transform/e223cee0-eb5f-41d4-8d64-5d3e89691370/spend-management-custom-limits) Customize limits and controls. Issue spend limits with embedded controls for category, merchant, and more. Transfer cards in one click or automatically when an employee leaves. ![12](https://brand.brex.com/transform/cf8c44c2-7ffd-4447-84e8-e46d8f4d2be2/12) Track expenses in real time. Monitor card limits and expenses in real time, by team, individual, and global subsidiary, all in a single console to increase accountability. ![goody-logo_svg](https://brand.brex.com/transform/ff4b69d3-04eb-476e-8709-fa8bbaf55833/goody-logo_svg) “We've used our Brex rewards for a team offsite — and got a Times Square billboard.” — [Katy Carrigan](https://www.linkedin.com/in/katycarrigan/), CEO, Goody [Read the case study](https://www.brex.com/resources/customer/goody) Local cards in 50+ countries and growing. Brex cards can be issued in more countries and currencies than any other, enabling local operations anywhere. ### One global card program One global card program. Brex makes it easy to see your company’s total credit limit and subsidiary-specific limits, expenses, and billing in one console to reduce risk and increase control. ### Local currency Local currency cards and statements. Avoid intercompany transactions and foreign exchange fees by issuing cards in employees’ local currency and allowing subsidiaries to pay statements from their local bank. ### Local card limits Local card limits and controls. Customize spend limits to local markets with embedded policies tailored to local reporting rules and regulations — we’ll auto-enforce the right policy everywhere spend happens. ![Card-CTA](https://brand.brex.com/transform/9614ef15-6558-42a6-a841-a751e0a7e0bd/Card-CTA) See what Brex can do for you. Get the spending power you want and the controls you need today. [Get started](https://www.brex.com/signup) ## FAQ ### What is a corporate card and how does it work? A corporate card is a card issued to employees of your company to use for authorized business expenses against a company credit limit. Unlike personal or small business credit cards, corporate cards tie liability to the company, base limits on business financial rather than a founder’s personal credit score, and include built-in controls so finance teams can set spend policies, budgets, merchant restrictions, and approval workflows at the card level. Brex corporate cards run on the Mastercard network and are accepted in 210+ countries and territories, which includes roughly 150 million physical merchant locations and 250+ million digital access points. On Brex, you are also able to issue unlimited virtual corporate cards instantly. And, with embedded controls that work at the category, merchant, and transaction level, use of the card stays in-policy. ### How is a corporate card different from a business credit card? [Business credit cards](https://www.brex.com/spend-trends/corporate-credit-cards/easiest-business-credit-cards-to-get) are typically underwritten on the owner’s personal credit and suited to smaller companies; corporate cards are issued to the company, emphasize controls/reporting, and are generally designed for larger teams. If you want corporate‑style controls without tying to a founder’s personal credit, Brex offers a [corporate credit card program](https://www.brex.com/spend-trends/corporate-credit-cards/corporate-credit-card-program) purpose‑built for startups through enterprise. ### Do corporate cards require a personal guarantee? Many do; Brex does not require a personal guarantee. You can [apply with an EIN](https://www.brex.com/spend-trends/corporate-credit-cards/best-business-credit-cards-with-ein-only), and underwriting is based on business financials, so founders’ personal credit isn’t used or reported. ### Does a corporate card affect my personal credit score? Traditional small‑business cards can impact personal credit, but modern corporate cards with no personal guarantee like Brex do not check or report to personal bureaus. Activity is kept at the business level. ### Who qualifies for a corporate card? Eligibility for corporate cards varies by issuer. Brex serves U.S.‑incorporated companies (including startups, LLCs, and eligible nonprofits); applications use an EIN and [don’t require a personal guarantee](https://www.brex.com/spend-trends/corporate-credit-cards/business-credit-cards-with-no-personal-guarantee). ### How long does it take to get approved for a corporate credit card? Timelines vary. If your application is approved, you'll get an answer within minutes, and you'll be issued a virtual card that can be used right away, with a physical card to follow by mail within a few days. ### How are corporate card limits determined? Brex sets credit limits based on your company’s financial profile, including revenue, amount raised, or cash balance, rather than a personal FICO score. This means growing companies can access limits up to 30x higher than traditional business credit cards. Your limit adjusts as your business grows, and applying does not affect your personal credit. ### What spend controls come with corporate cards? Look for policy enforcement at the card swipe. Brex embeds controls by category, merchant, and amount; automates receipts and memos; supports dynamic approvals; and flags anomalous spend. ### What security features should a corporate card include? Seek fraud monitoring and strong compliance in a corporate card. Brex safeguards all of your customer data with enhanced controls to ensure best-in-class protection. In addition to being SOC 1 Type I, SOC 2 Type II, and PCI-DSS compliant, Brex also fulfills requirements from FINRA, IT General Controls, NY Department of Financial Services, and more. Brex’s [security and trust](https://www.brex.com/trust) webpage offers a full look at how Brex protects your money. ### What rewards can a corporate card offer? Rewards can vary widely between corporate cards. The Brex card has industry-leading reward multipliers, making it the most powerful corporate card for both startups and enterprise companies. Brex rewards include access to over $350,000 in partner perks, plus multipliers on the most popular categories, including 7x on rideshare, 4x on Brex prepaid travel, 3x on restaurants, 2x on software, and 1x on everything else. For a full breakdown of rewards [click here](https://www.brex.com/product/rewards). ### What software do corporate cards integrate with? Modern programs should sync to your finance stack. Brex offers native [integrations](https://www.brex.com/product/integrations) with leading ERPs/accounting tools and a built-in global travel program so transactions, coding, and receipts flow automatically. ### Are corporate card rewards taxable? Generally, rewards earned through corporate card spending are treated as purchase rebates and aren’t taxable; sign‑up or referral bonuses not tied to spend may be taxable. (This isn’t tax advice; consult your tax professional.) ### Are corporate cards accepted internationally? Acceptance of corporate cards internationally depends on the network. Brex runs on the Mastercard network for worldwide acceptance in 210+ countries and territories. ### Do corporate cards charge foreign transaction fees? Some corporate card issuers do charge foreign transaction fees, but Brex does not charge foreign transaction fees. When a transaction requires currency conversion, Brex may apply an FX rate markup of up to 3%. To avoid the markup, Brex supports local‑currency cards and local billing for 60 countries and 30+ currencies. ### What currencies does the Brex corporate card support? Brex supports local-currency cards for 60 countries and 30+ currencies. Learn more about [Brex’s global capabilities](https://www.brex.com/product/global). ### What is the best corporate credit card for startups and growing businesses? The Brex card offers up to 30x higher limits than traditional corporate, supports local collections in 48 countries, and pairs perfectly with a Brex [business account](https://www.brex.com/product/business-account). Plus, for startups you can unlock credit based on your business, not your credit score. Here’s why startups prefer it: - No personal guarantee required - Unlimited virtual and physical cards - [Rewards](https://www.brex.com/product/rewards) that grow your business - 24/7 fraud monitoring and protection - Apple Pay and mobile wallet ### Are Brex cards good business credit cards for an LLC? Brex does not require a personal guarantee and you can apply with an EIN only. Plus, venture-backed LLCs can qualify with relatively low cash reserves (especially when compared with other corporate cards). You'll also get access to amazing partner perks and up to 7x rewards.