The Brex Card requires no guarantee because it sets credit limits based on cash flow and determines a business’ eligibility for qualification based on spending patterns and sales volume. This means no credit check requirement for those business owners without solid or established credit. Companies must qualify to be eligible for a paid-monthly credit card, but those eligible for a Brex business account qualify for a paid-daily card.

Rewards: Earn 7 points per dollar on rideshare, 4 points per dollar on travel booked through Brex Travel, 3 points per dollar on restaurants, 2 points per dollar on recurring software and 1 point per dollar on everything else.

Welcome offer: Earn 30,000 points after spending $3,500 or 50,000 points after spending $9,000 in the first 30 days of account opening.

Annual fee: $0

Other benefits and drawbacks:  The Brex Card is a charge card, meaning it must be paid off every month in full. Businesses looking to carry balances should look elsewhere, but for those who can pay off charges each month (or even daily) the Brex Card offers a long list of perks.

With no annual fees and no foreign transaction fees, companies using the Brex Card exclusively and paying it off from a Brex business account will see the best points per dollar spent in rewards.

Carrying a Brex Card also involves other Brex rewards, such as deep discounts at a number of vendors like Amazon Web Service, Slack, UPS, Quickbooks, Freshworks and more. The card’s reward-earning makes it convenient for flush businesses with no need for 0% intro APRs, welcome bonuses and no desire for annual fees.