As already posted a lot of the trek carbon frames will take guards, as will many/most of the gravel bike frames.
Rack mounts are fewer, the trek checkpoint has mounts, but can't think of any others.
My commuter is a GT Grade carbon, which has guard mounts, but no rack. I eventually bought a tailfin rack and panniers for it, which mount to the rear axel. Not cheap, but works brilliantly, in fact better than most other rack systems I've ever used