Brex Card

Key Benefits

All Benefits

• Welcome offer / sign-up bonus: No standardized public welcome bonus is advertised on Brex's credit card product page; Brex's go-to-market is built around ongoing earn multipliers and over $350,000 in 'partner perks' (e.g., credits with AWS, Slack, OpenAI, QuickBooks, and other startup tooling) rather than an upfront points or cash bonus tied to a minimum-spend hurdle (per brex.com/product/credit-card as of 2026-05-23)
• Annual fee: $0 on the Brex card itself; the entire Brex platform (corporate card + business banking-style cash management account + bill pay + expense management + travel booking) is offered to qualifying businesses at no annual or subscription fee — Brex's revenue model is interchange + cash-management spreads, not card fees
• Earn 7x Brex Rewards points per $1 on rideshare purchases (Uber, Lyft, taxis, and similar rideshare merchant codes); this is the headline category multiplier on the Brex card and is positioned for startup and operator spend that skews toward urban ground transport (per brex.com/product/rewards as of 2026-05-23)
• Earn 4x Brex Rewards points per $1 on travel booked through Brex Travel — Brex's in-platform travel booking tool covering flights and prepaid hotels; the 4x rate is gated to bookings made inside Brex Travel (not third-party OTAs like Expedia or direct-with-airline outside the Brex platform)
• Earn 3x Brex Rewards points per $1 on restaurants and dining (sit-down restaurants, fast-casual, and qualifying food merchant category codes); positioned for team dinners, client meals, and travel dining, with no per-merchant cap on the 3x rate
• Earn 2x Brex Rewards points per $1 on software / SaaS purchases (qualifying software merchant codes); aimed at startup tooling spend (Slack, Notion, Linear, AWS, Vercel, GitHub, OpenAI API, etc.) which is one of the largest line items for venture-backed companies
• Earn 1x Brex Rewards points per $1 on all other purchases that don't fall into the rideshare / Brex Travel / restaurants / software bonus categories; rewards are unlimited with no spend cap and no category quarterly maximums
• Brex Rewards point value: 1 point = 1 cent (1:1) when redeemed for cash back, statement credit, or Brex Travel bookings; Brex publicly markets points as 'unlimited points and no blackouts,' and the 1:1 cash-equivalent floor is the baseline value before any airline-transfer arbitrage
• Transfer to airline partners: Brex publicly advertises 'Transfer points to airline miles' on its rewards page, but the live partner directory and current transfer ratios are not enumerated on the public brex.com marketing page and are gated to logged-in Brex dashboard users (per brex.com/product/rewards as of 2026-05-23); historically Brex has offered transfers to programs including Aeroplan, Avianca LifeMiles, Singapore KrisFlyer, Qantas, JetBlue TrueBlue, and Flying Blue, but cardholders should confirm the live partner list and ratios inside the Brex dashboard before relying on any specific transfer for a redemption
• No personal guarantee required: Brex underwrites on the business's financials (revenue, cash on hand, dollars raised), not the founder's personal credit; founders apply with an EIN and Brex does not check or report to personal credit bureaus, so a Brex card application will not pull or impact the applicant's FICO / personal credit score
• No SSN credit check at application: because Brex underwrites at the business level using an EIN and connected business bank account data, applicants do not provide a personal SSN for a hard credit pull — this is the structural reason the card is accessible to founders with thin or impaired personal credit
• Eligibility requirements: Brex serves U.S.-incorporated entities (C-corps, S-corps, LLCs, and eligible nonprofits) and underwrites based on business financial strength; the company's published guidance is that venture-backed LLCs can qualify with relatively low cash reserves, while non-venture-backed businesses typically need meaningful business cash on hand (commonly cited as roughly $50,000+ in connected business bank or treasury accounts) to be approved — exact thresholds vary by company stage, revenue, and underwriting policy and are not published as a hard public number
• Charge-card structure (not revolving): the Brex card is a corporate charge card — balances are paid in full automatically each statement cycle by direct debit from a connected business bank account or Brex Cash; there is no revolving balance carried, no APR, and no minimum payment option, which is why Brex publishes a 0% APR and no interest fees
• Statement cycle: Brex offers daily statement cycle billing for many customers (auto-debit of card balances on a 1-day cadence from connected business funds), which keeps utilization low and is part of how Brex underwrites higher credit lines than traditional small-business cards; longer (weekly / monthly) cycles are available for qualifying customers based on underwriting tier
• Credit limits up to 30x higher than traditional small-business cards (per Brex's own marketing on brex.com/product/credit-card): because Brex sizes limits using business financials (revenue, dollars raised, expense profile) rather than personal credit, many startups and SMBs can access materially higher limits than they would on a personal-guarantee small-business card from Chase, Amex, or Capital One
• Foreign transaction fees: $0 — Brex does not charge foreign transaction fees on purchases made outside the U.S., and Brex also supports local-currency cards and local billing in 50+ countries (Brex states 'local collections in 53 countries' on the rewards page) to help avoid network FX markups entirely on international operations
• Network: Mastercard, with worldwide acceptance on the Mastercard network; Brex markets the Mastercard network as 'the #1 most globally accepted' and uses it to support local-currency card issuance in 50+ countries
• Unlimited virtual and physical cards: primary administrators can issue unlimited virtual cards (instantly provisionable inside the Brex dashboard) and physical cards (shipped to employees by mail) at no per-card fee; each card can be assigned to a specific employee, vendor, project, or subscription with its own controls
• Embedded spend controls: per-card limits, merchant-category restrictions, merchant-specific allow/deny lists, transaction-amount caps, and dynamic approval workflows are enforced at the card swipe, not after the fact; admins can also lock, freeze, or terminate individual cards instantly from the dashboard
• Automated expense management and receipt capture: Brex auto-pulls receipts via Gmail/Outlook integration, supports SMS receipt submission, and automatically codes transactions to GL accounts via native integrations with QuickBooks, NetSuite, Xero, Sage Intacct, and other ERPs — replacing standalone expense tools like Expensify or Concur for many Brex customers
• Built-in travel program (Brex Travel / Brex Assist): in-platform booking of flights, hotels, and ground transport with policy enforcement at the booking stage; the 4x earn rate on Brex Travel is one mechanism by which Brex monetizes this and incentivizes customers to consolidate travel spend on-platform
• Apple Pay, Google Pay, and Samsung Pay supported on both virtual and physical Brex cards; virtual cards are immediately provisionable to mobile wallets at issuance, before any physical card arrives
• 24/7 fraud monitoring and anomaly detection at the transaction level; Brex flags suspicious or off-policy transactions in real time and supports instant card freezing from the admin dashboard or mobile app
• Compliance and security: Brex publishes SOC 1 Type I, SOC 2 Type II, and PCI-DSS compliance, plus regulatory coverage for FINRA, IT General Controls, and the NY Department of Financial Services (per brex.com's product page security FAQ)
• Rewards are treated as business purchase rebates (not personal income): per general U.S. tax treatment cited in Brex's product FAQ, rewards earned on corporate card spend are generally not taxable as income to the business and are treated as reductions in cost basis (sign-up / referral bonuses not tied to spend may be taxable; this is not tax advice and customers should consult their tax professional)
• Airport lounge access (Priority Pass, Centurion, Capital One Lounges, Chase Sapphire Lounges, Delta Sky Club, United Club, Admirals Club, partner lounges): Not offered on the Brex card; lounge access is reserved for premium personal-guarantee travel cards (Amex Business Platinum, Capital One Venture X Business, Chase Ink) and is not part of the Brex card value stack
• Global Entry / TSA PreCheck / CLEAR statement credits: Not offered on the Brex card; trusted-traveler application fee credits are a benefit typically bundled on premium personal-guarantee travel cards and are not part of the Brex product
• Hotel elite status (Marriott Bonvoy, Hilton Honors, IHG One Rewards, World of Hyatt) or rental car elite status (Hertz, National, Avis): Not offered on the Brex card; Brex does not bundle co-branded loyalty status with any hotel or rental partner
• Co-branded airline, hotel, or merchant card variants: Not offered — the Brex card is a single corporate product on the Mastercard network and is not offered in a Delta / United / American / Marriott / Hilton / Hyatt / Apple co-brand SKU
• Trip Cancellation / Interruption Insurance, Trip Delay Reimbursement, Lost Luggage / Baggage Delay Insurance, Emergency Evacuation, and Emergency Medical insurance: Not prominently bundled at the Brex issuer level on the public product page; any travel insurance coverage available is at the Mastercard network level (typically World Elite / World Mastercard tier) and is not separately enhanced or marketed by Brex on brex.com/product/credit-card as of 2026-05-23
• Cell Phone Protection, Purchase Protection, Extended Warranty, and Return Protection: Not prominently bundled as Brex-branded benefits on the public product page; coverage if available is at the Mastercard network level and not separately enhanced by Brex
• Personal use: Not offered — the Brex card is a corporate charge card issued in the business's name and is not intended for personal spending or for sole proprietors using a Social Security Number as their tax ID; Brex requires a U.S.-incorporated entity with an EIN and explicitly does not market the card to consumers