Brex Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earning rates
5- 7xtransit
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)
- 4xlodging
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)
- 3xdining
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
- 2x
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
- 1xdining
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
Transfer partners
1Statement credits
1- Brex Rewards point value
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
Travel & purchase protections
1- 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
More benefits & fine print (13)ShowHide
- 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
- 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
- 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
- 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)
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