Low Cost Advisor

Best Business Credit Cards Without A Personal Guarantee Requirement Of 2022 – Low CostAdvisor


The Brex 30 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 with at least $50,000 in professionally managed funds or at least $100,000 in cash in a bank account are typically able to get a Brex card.

Rewards: 8 points per dollar on rideshare, 5 points per dollar on travel booked through Brex Travel, 4 points per dollar on restaurants, 3 points per dollar on recurring software and 1 point per dollar on everything else

Welcome Bonus: 30,000 points after spending $3,500, or 50,000 points after spending $9,000 within 30 days

Annual Fee: $0

Other Benefits and Drawbacks: The Brex 30 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 each day) the Brex 30 Card offers a long list of perks.

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

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

Read our Brex 30 Card review to learn more.

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