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No founder liability

Get access to a business credit card that won't put your personal score at risk* — use it to build up business credit.

Higher credit limits

Our modern underwriting gives you a credit limit based on your cash balance or your sales, not your credit score.

Instant approvals

Get access to a virtual credit card just minutes after qualifying. Start issuing virtual cards as soon as you're approved.

A business credit card with no fraud risk

Founders and business owners won't be personally liable for fraud when using a Brex card. We'll even help you build your business credit score.

Instant approvals with higher credit limits

Get access to credit limits based on your cash or sales, not personal credit score*. Our modern underwriting technology lets us instantly approve qualified companies and immediately issue credit cards.

World-class customer service and fraud management

Closely monitor all your expenses with robust card admin tools. You're covered with advanced fraud and theft detection, as well as:

Concierge dispute resolution

We have your back during any disputes over transactions or chargebacks.

Best-in-class support

Get customer support in under two minutes, no matter where you are in the world.

Zero liability fraud protection

We cover all fraudulent transactions. Get immediate notifications for any suspicious activity.

Industry-leading rewards programs

Brex Exclusive customers get higher multipliers on purchases for software, ridesharing, dining, and travel. Points are uncapped and tailored to your industry.

How do I know if I qualify?

Our underwriting technology helps us see if your company is the right fit for a Brex card the moment you connect to our systems.

Companies that have healthy cash balances or sales are all great candidates for the Brex card.

    STEP 1

    Sign up in minutes

    STEP 2

    Connect to your bank

    STEP 3

    Start issuing virtual cards

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What is credit card fraud?
With Brex credit cards, there is no founder liability, which means that founders and business owners are not personally liable for any debts owed. Whether the founder of a business is personally liable for business debt depends on the structure of the company in question. For instance, corporations and LLCs structure themselves in ways that shield founders and stakeholders from personal liabilities. Additionally, liability will depend on whether the founder has pre-agreed responsibility for any financial obligations. If a founder signs a personal guarantee, for instance, they will be personally liable for a debt if the business fails to pay. A founder will generally sign a personal guarantee if when they take out a business credit card, for example.
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Is a credit card a liability or an asset?
Generally, credit cards are liabilities because they do not increase the net worth of businesses. Any debt owed on a credit card is considered as a debt, and therefore, a liability. Liabilities on balance sheets might include items such as notes payable, salaries payable, customer deposits, warranty liability, and unearned revenues.
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What is the difference between liability and debt?
There are many differences between liability and debt, but the primary one is that liability is a much broader term and includes all financial obligations that a company owes. Debt, however, is much narrower and is itself a type of liability that occurs when funds are raised when a company borrows money.

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©2020 Brex Inc. “Brex” and the Brex logo are registered trademarks.The Brex Mastercard® Corporate Credit Card is issued by Emigrant Bank, Member FDIC. Terms and conditions apply. See the Brex Platform Agreement for details.Brex Inc. provides a corporate card. Brex Treasury LLC is an affiliated SEC-registered broker-dealer and member of FINRA and SIPC that provides Brex Cash, a program that allows customers to sweep uninvested cash balances into certain money market mutual funds or FDIC-insured program bank accounts. Investing in securities products involves risk, including possible loss of principal. Neither Brex Inc. nor any of its affiliates is a bank. Please see brex.com/cash for important legal disclosures.