Editorial Disclosure: This is a recurring post with regularly updated card details.
The Brex Card offers two payment options: daily or monthly. For this reason, you can use it as either a prepaid card or a charge card. Daily payments to your card will be deducted directly from your Brex Business Account balance, while monthly payments will come from your nominated bank account. The card charges $0 annual fees and offers points-based rewards on purchases.
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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Spending Limit | Load Limit |
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Costs | |
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When evaluating business cards like Brex Card, we first consider the fees and features included in the expense management systems. We also look at the rewards and other features that may be valuable to business owners.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Features (Expense Management System) | 35 | 40 |
Fees | 20 | 20 |
Rewards | 20 | 20 |
Other Features | 15 | 20 |
Total Score | 90 | 100 |
Who the Brex Card Is Best For
- Those wanting the option to pay daily or monthly: If you want to use the card as a charge card or a prepaid card, consider getting the Brex Card, which lets you pay your bills daily or monthly.
- Startup information technology (IT) and tech or life science businesses: Startup businesses in the tech or life sciences industry will find the card helpful as it offers comprehensive perks for both types (discussed in our rewards section below).
- Those with an existing Brex Business Account: If you already have an account, then managing all of your financial transactions with one provider will be advantageous.
Check out our recommended alternatives below if this card doesn’t fit the bill.
Brex Card Pros & Cons
| PROS | CONS |
|---|---|
| $0 fees: Comes with zero annual and late payment fees | Cash on hand: Requires you to pay either monthly or daily, so it requires sufficient cash on hand |
| No personal guarantee required: Helps you keep your business liabilities separate from your personal obligations by not having to provide a personal guarantee | No ATM withdrawals: Can’t be used to make cash advances or ATM withdrawals |
| Business credit building: Helps improve or build your business credit as Brex reports your payment history to business credit bureaus | Bonus rewards limited to certain categories: Offers high rewards rates suitable for tech and life sciences businesses, but they are not as comprehensive compared to other business credit cards |
Brex Card Paid Daily vs Monthly
Brex Card is one of the few cards that offer daily or monthly payments. Below, we highlight the differences between paying your daily or monthly in terms of limits, how you can pay for the card, rewards, redemptions, fees, and personal guarantees.
Paid Daily | Paid Monthly | |
|---|---|---|
Limits |
| Calculated as either up to 5-20% of an aggregate bank balance or 30% of your Brex Business Account balance |
How Card Is Paid | Paid daily from Brex Business Account balance | Billed monthly and can be paid from any account (including your Brex Business Account) |
Rewards | Extra up to 8x points on all card spend | Earn up to 7x rewards points on all card spend |
Rewards Redemption |
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Fees | None | None |
Personal Guarantee | None | None |
Brex Card Rewards
- 10,000 points Exclusive to those who will open a Brex Business account using the link found in this website. after spending $3,000 within the first three months of account opening
- Brex Exclusive Rewards Program
The Brex Exclusive Rewards Program lets you access the highest multipliers available, which can be applied automatically to your account after making Brex your exclusive corporate card for your business.
- 7x points on rideshare, such as Uber, Lyft, or taxi
- 4x points on Brex travel rewards
- 3x points on restaurants and eligible Apple purchases through the Brex rewards portal
- 2x points on recurring software
- 1x point on all other purchases
Within the Brex Exclusive Rewards Program, there are three variations wherein you can fall under. Refer to the table below for details:
Variations of the Brex Exclusive Program | Specific Rewards |
|---|---|
Brex Exclusive Life Science Rewards |
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Brex Exclusive Daily Payments Rewards | Advertising
Software
Life sciences
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Brex Exclusive Custom Rewards | This is for companies that have more than 50 Brex users and that can meet minimum spending commitments. Contact any Brex Sales Representative to learn more about it. |
Brex doesn’t put a cap on how many points cardholders can earn—when your business grows, so does your Brex Card. This is unlike other card programs that cut off the multipliers after hitting a certain spending limit.
You can redeem your points for:
- Statement credit
- Gift cards
- Flights and hotels booked via Brex Travel
- Cash back
- Mental health sessions with Spring Health and one year access for 15,000 points
- Cryptocurrency (minimum 1,000 points)
- Team offsites worth 25,000 points
- Executive coaching
You can also transfer points for miles with Brex’s airline partners, namely:
- Aeromexico (Club Premier and SkyTeam)
- Air France KLM (Flying Blue and SkyTeam)
- Avianca (Lifemiles and Star Alliance)
- Asia Miles (oneworld)
- Emirates (Skywards and Emirates)
- Qantas (Frequent Flyer and oneworld)
- Singapore Airlines (KrisFlyer and Star Alliance)
Brex Card Features
Brex Empower is a financial software designed to help guide business owners in improving their businesses and increasing accountability among employees.
It offers the following features:
- Instantly generate receipts
- Delegate spending among teams, vendors, and more
- Visualize your expense policy
- Reimburse employees in any location
Brex’s expense management system, which you can learn more about through our review of Brex Empower, can be accessed on PC, Apple, and Android devices. The Brex app is rated 4.9 out of 5 on App Store, and many have noted its smooth interface, nice color scheme, and functional menu. Meanwhile, it received 4.6 out of 5 on Google Play, with users having mentioned issues with attaching receipts on transactions and how the features are severely limited on the mobile app compared to the web counterpart.
- MasterRental insurance: You may be covered for physical damage and theft to a rental vehicle with your Brex Card. Learn more on how to file a claim and on the Brex website.
- Car rental discounts and upgrades: You can save on car rentals, certain flights, cruises, chauffeured cars, private jets, and vacation packages. Contact Mastercard at (855) 802-1387 for more details.
- Hotel guarantees: You can receive refunds and help resolve an issue with the hotel booked through Brex Travel. Note that certain terms and conditions will apply.
- Protection against fraudulent transactions: Brex allows you to file a dispute for fraudulent transactions through its mobile app, letting you terminate the card automatically. You’ll receive an email regarding your dispute’s status anywhere from one to two business days. Requesting a new card takes anywhere from five to seven business days.
- Software discounts: You can save money on software that can help scale your business faster:
- Get a discount on a TurboTax solution that best fits your small business needs
- Receive 40% off on QuickBooks Online or 50% on QuickBooks Self-Employed for 12 months, plus a 30-day free trial
- Get Salesforce Essentials to build stronger customer relationships, costs $9.99 per user, per month, for the first year
- Get the first four months free on a one-year Microsoft 365 subscription
- Receive unlimited free two-day shipping and free return shipping with a complimentary ShopRunner membership ($79 value per year)
- Gain access to Mastercard Easy Savings® program, which provides rebates on gas, car rentals, hotels, dining, business services, and more
- Receive $5,000 in Amazon Web Services (AWS) credits depending on Activate eligibility.
- Save up to 50% every time you ship with UPS
- Receive 50% off on any plan with Gusto for 12 months
- Get a 25% off 12 months on any eligible Slack paid plans
- Save up to 25% on business insurance and receive 10,000 Brex bonus points with Vouch
- Get 50% discount on your first-year business credit monitoring with Experian
- Receive $10,000 credits on Freshworks suite of products
Brex Empower lets you issue the following types of cards:
- Physical cards can be requested on the Brex dashboard
- Virtual cards can be issued automatically upon account activation
- Metal cards can be issued on a limited case-by-case basis
Brex Card Fees
This is one of the few business cards that doesn’t have APRs (for new and existing business cardholders) and fees when you pay your bills at a later time. It should be noted that while Brex and its partner banks don’t charge fees to send or receive international wires, third-party banks may have costs.
- External bank account: Input your Brex Business Account details in your external bank’s transfer form on their platform and follow the prompts to transfer funds.
- Mobile check deposit: Checks can be deposited via the Brex app. Note that Brex can only process virtual check deposits via the app and will not accept physical checks by mail.
- Automated clearing house (ACH) debit: This can be done from the Brex dashboard, the Brex app, or a third party. Note that if you will receive funds from a third party, ensure to include the following information:
- ABA/Routing number: 121145349
- Account number: Your Brex Business Account number (which can be found in Account details)
- Account type: Business checking
- Beneficiary name: Your company name (in Account details)
- Beneficiary address: Your company’s address (in Account details)
- Bank name: Column NA Brex
- Bank address: 1110 Gorgas Ave., Ste. A4-700, San Francisco, CA 94129
- Another Brex Business Account: You can instantly transfer funds from one account to another, especially if you have multiple Brex Business Accounts.
- Daily: Payment will be made directly from your Brex Business Account balance
- Monthly: Payment will be billed monthly and can be paid with your chosen account
Brex Card Alternatives
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning Unlimited Cash Back Rewards | |
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Spending Limit | Load Limit |
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If you have sufficient funds, this alternative business prepaid card is a great option. It lets you earn an unlimited 1% cash back on all purchases (regardless of spending categories), and you can create multiple virtual and physical cards at no additional costs. What’s more, you can request to exceed the maximum load limit of $100,000 when you need to, subject to approval.
Ramp Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
This corporate charge card comes with a robust expense management system. It offers up to 20x higher credit limits and unlimited 1.5% cash back on all eligible purchases with $0 annual fees. It is a great choice if you use Ramp as your primary financial management tool and can deposit at least $25,000 cash in any US business bank account that will be linked to your application.
Capital One Spark 1% Classic
Capital One Spark 1% Classic
BEST FOR:
Those with fair credit
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
We recommend this card if you have fair credit and want a regular unsecured business credit card that allows you to carry a balance from time to time. It offers 5% cash back on hotels and rental cars booked through Capital One Travel and 1% cash back on all other purchases. It has $0 annual fees and can help you build or improve your credit with consistent on-time payments and responsible use.
Frequently Asked Questions (FAQs)
All Brex applicants are required to have a United States employer identification number (EIN) issued by the IRS, a valid US incorporation, and a physical address. Brex also requires you to meet the eligibility requirements and not engage in any prohibited activities listed on its site. Applications sent through Brex will be reviewed within 15 business days.
You can learn more about these requirements by checking out our review of the Brex Business Account.
The standard processing time for transfers is as follows:
- Receiving payments
- Incoming ACH: Within three to five business days
- Incoming international ACH: Within seven to 10 business days
- Incoming domestic wire: Within one to two business days
- Incoming international wire: Within three to five business days
- Check deposits: Varies depending on the size of the deposit
- Sending payments
- Outgoing ACH: Within two to three business days
- Outgoing checks: Printed and mailed within two business days and can arrive within seven to 10 days.
- Outgoing domestic wires: Within one to two business days
- Outgoing international wires: Completed by Brex within one to five business days; delivery completion will vary by country
Bottom Line
Brex Card is one of the few cards that can be used as either a business prepaid card or a business charge card, depending on whether you wish to pay in full daily or monthly. It requires no personal guarantee, so you won’t be personally liable for your business’ debts. It’s also great for those in a startup tech or life sciences industry, as it offers rewards that can help jump-start your business.
