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Best business credit cards with no personal guarantee requirement for January 2022 – Forbes Advisor

The Brex 30 card does not require collateral as it sets credit limits based on cash flow and determines a business’s eligibility to qualify based on spending habits and sales volume. This means no credit checks are required for business owners without strong or established credit. Businesses with at least $50,000 in professionally managed funds or at least $100,000 in cash in a bank account can usually get a Brex card.

Awards: 8 points per dollar on carpooling, 5 points per dollar on trips 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 fees: $0

Other advantages and disadvantages: The Brex 30 card is a payment card, i.e. it must be fully reimbursed every month. Businesses looking to carry over their balances should look elsewhere, but for those who can pay a fee monthly (or even daily), the Brex 30 card offers a long list of benefits.

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

Carrying a Brex card also comes with other rewards like deep discounts at a number of providers like Amazon Web Services, Slack, UPS, Quickbooks, Google Ads, Freshworks and more. The card’s rewards make it ideal for flush businesses without the need for 0% introductory APR, welcome bonuses, and the desire for annual fees.

Read our review of the Brex 30 card to find out more.