Brex Card
By Alex Compton · Last verified
The startup charge card that pays up to 7x and never touches your personal credit.
Welcome Bonus
None
No public welcome offer on the official product page; the earlier fast-track offer page now returns 404
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
Business
financials, no personal guarantee
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Offer ended: 30,000 → 0 · Spend: $3,500 → $0 · Window: 3 months → 0 monthsNo public welcome offer on the official product page; the earlier fast-track offer page now returns 404 | Brex corporate card product page → |
| 2026-06 | 30,000 | $3,500 in 3 mo | Terms reconfirmed30,000 points for $3,500 spend or 50,000 for $9,000 via the Brex fast track page; offers rotate | Archive record · no attached snapshot |
| 2025-06 | 30,000 | $3,500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Multipliers 7x/4x/3x/2x/1x confirmed; no public welcome offer (fast-track page 404); Brex now a Capital One subsidiary; FX markup up to 3%
Fields: currentOffer, cons, pros
Brex corporate card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 7xRideshareRewards require an account in good standing with a linked account; Brex can change multipliers
- 4xFlights and prepaid hotels booked through Brex Travel
- 3xRestaurants
- 2xSoftware subscriptions
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No personal guarantee or personal credit pull
- ✦Limits scale with company cash balance, often 10 to 20x a traditional card
- ✦Points transfer to airline partners or redeem for statement credit
- ✦Built-in expense management, bill pay, and multi-currency support
Why it earns its spot
- +Best-in-class category multipliers among corporate cards
- +Mastercard acceptance in 210+ countries plus local-currency cards in dozens of countries
Where it costs you
- −Requires meaningful cash on deposit; tiny or unfunded businesses get declined
- −No public welcome offer on the product page
- −Currency conversion can carry an FX markup of up to 3% unless you use a local-currency card
- −Now a Capital One subsidiary, so product terms may shift
The Compound Verdict
The richest rewards engine in the corporate card space, built for funded startups with travel and software spend: 7x rideshare, 4x Brex Travel, 3x restaurants and 2x software. The catch is the underwriting, since Brex wants venture backing or a healthy cash balance, and Brex is now part of Capital One. Bootstrapped businesses with thin balances should look at Ramp.
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