Brex Card
on Brex's website
Brex Card
Card details
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Rates, fees & offers
Annual fee
$0
Rewards rate
1x-7x
Bonus offer
Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
Intro APR
N/A
Ongoing APR
N/A
Balance transfer fee
N/A
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APRN/A | Regular APRSee Terms | |
Intro APRN/A | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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Rating details
3.2
Editor's overall rating
Pros and cons
Pros
No annual fee
New cardholder bonus offer
Qualify with limited/bad credit
Bonus categories
No foreign transaction fees
No personal guarantee
Cons
Complicated rewards
No Intro APR
No revolving balances
With its no personal guarantee requirement, the $0-annual-fee Brex Card card is a good fit for those who fit a specific profile: owners of early-stage startups with high cash flow who need access to high credit. Brex determines the creditworthiness of a business by evaluating its cash flow, spending patterns and financial backing, rather than the applicant's own credit history.
The Brex Card card works on the Mastercard network, there are no foreign transaction charges, and cardholders can earn rewards, which can jump to elevated rates for those who use the card exclusively. Because the Brex Card is a charge card, someone seeking a 0% offer or big sign-up bonus should look elsewhere.
For more information, see our full review of this card.
