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Brex vs Carta: startup credits compared

Side-by-side amounts, eligibility and access paths, both verified against the official program pages.

BrexPartner perks for Brex customers (e.g. up to $5,000 AWS, $1,000 OpenAI, 6 months Notion)Verified Nov 3, 2026CartaFree cap table (Carta Launch) up to 25 stakeholders and $1M raised; 20% off paid plans via perks platformsVerified Nov 3, 2026

At a glance

FactBrexCarta
ValuePartner perks for Brex customers (e.g. up to $5,000 AWS, $1,000 OpenAI, 6 months Notion)Free cap table (Carta Launch) up to 25 stakeholders and $1M raised; 20% off paid plans via perks platforms
TypeCredits + discountFree plan
DurationNot statedNot stated
StagesPre-seed, Seed, Series A, Series B+Pre-seed, Seed, Bootstrapped
RegionsUnited StatesGlobal
Max funding raisedNot stated$1,000,000
Max company ageNot statedNot stated
Ways to get it
  • Apply directly — Full partner perks catalogue
  • Techstars — Signup bonus, free Pry access, dedicated onboarding (2022 announcement)
  • Apply directly — Free Carta Launch plan
  • Ramp — 20% off first year + waived implementation fees
  • Brex — 20% off first year
  • Mercury — 20% off
Requirements
  • US-incorporated business approved for a Brex account
  • Venture funding or accelerator participation for the card with monthly/daily payments
  • Minimum cash balance (typically $50,000; lower via some partner referrals)
  • Account continuously in good standing with a linked bank account
  • Up to 25 stakeholders on the cap table
  • Up to $1 million raised
  • Certificate of incorporation available at sign-up
Not eligible
  • Companies that do not meet Brex's account requirements
  • Perks already redeemed on the account (one redemption per perk per account)
  • Companies above 25 stakeholders or $1M raised (must upgrade to a paid plan)
  • Companies needing a 409A valuation (paid Grow plan or higher)
VerificationPartially verified· Nov 3, 2026Verified· Nov 3, 2026

Which should you pick?

The two programs are not directly comparable on dollar value. Brex accepts a wider range of funding stages, while Carta is more targeted. Carta is available worldwide; the other is region-restricted. Note that only Carta is fully verified against its official page; double-check the other before relying on it. If you qualify for both, there is usually no reason not to apply to both; the programs are independent.

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