Brex Business Card: A New Age Financial Tool for Modern Businesses

If I were a startup in this new financial age, I would not give up any chance to benefit from business credit.

Here are two main reasons;

  • Around 70% of formal SMEs in rising economies are underserved or, worse, unserved by their financial sector.
  • An estimated 62.8% of startups who leverage business credit attribute their success to the decision.

Let nothing limit your access to financial services!

The Brex Business Card is a revolutionary tool that helps modern enterprises cater to their financial needs. I’m talking startups, medium-sized businesses, and even enterprises.

In this article, we will dive into the intricacies of the Brex Business Credit Card. Stick around.

Understanding the Brex Business Credit Card Requirements

The Brex Business Card is unlike most in the market. It boasts zero annual payments, (up to 8X) multiplier-based rewards and numerous other benefits for the Brex Card holder!

Any company can create a Brex account. You first have to meet the eligibility status.

For startups, Accelerator, Venture, and Angel-funded companies are eligible for Brex services.

Regarding mid-market enterprises, you’ll need to make more than $400K in monthly revenue.

What documents must you provide when applying for a Brex Business Card?

Your ID: Brex uses your ID as the KYC (Know Your Client) document. Furthermore, you may be asked to provide your social security number to comply with KYC requirements. The SSN won’t be used to underwrite your account.

In 3-5 days, your application should be reviewed!

Maximizing Benefits: How to Earn and Redeem Brex Points

How to Earn Brex Points

Earning Brex card points is super easy. If you use Brex or daily payments, here’s a breakdown of how to earn Brex points.

For every dollar you spend, you’ll earn:

  • 8X points on Rideshares (Scooters, Taxis, Uber, Lyft)
  • 5X points on Flights and hotel bookings made with Brex.
  • 4X points on Restaurants, dining, or any related purchase through Brex.
  • 3X points on SaaS/recurring software subscriptions
  • 1.5X points on ads
  • 1X point on everything else

Brex points never expire. To gather the maximum points, you must keep making daily transactions through Brex.

How to Redeem Brex Rewards

The ability to redeem your rewards for Bitcoin or Ethereum sets the Brex Business Card apart from the rest. You can also pay for flights via Brex-partnered airlines like:

  • Emirates
  • Avianca
  • Air France
  • Singapore Airlines
  • Qantas
  • Aeromexico
  • Cathay Pacific

There are other ways of redeeming Brex rewards, including:

  • Gift cards
  • Statement credit
  • Cashback
  • Mental health benefits
  • Team offsites
  • Executive training

The Advantages of Using a Brex Corporate Credit Card for Your Company

Managing a company’s finances is no easy feat! Juggling numerous expenses and needing to be updated on every last transaction takes a lot of necessary time.

The Brex Corporate Credit card lets you make seamless transactions from a single point.

Moreover, with the Winter ’24 release, you can stay atop your expenses with smarter bill pay options. Again, Brex also allows you to set spending limits, so you don’t have to utilize money incorrectly.

Personal guarantees are overlooked when signing up for Brex services.

Perks and exclusive rewards also accompany every dollar you spend with Brex. Access to exclusive events, redemption for airline miles, and cashback aren’t the whole package yet!

Brex understands the needs of the modern business market and has leveraged AI to automate those gruesome manual tasks. You can now manage your expenses across the globe from one place!

Is Brex a Credit Card? Demystifying the Brex Business Model

Brex offers corporate business cards and much more to them!

Besides credit card services, you can access Brex Cash, a cash management account tailored to serve small businesses.

Brex makes money through;

  • Interest on loans
  • Monthly account subscriptions
  • Interchange fee
  • Cashback rewards
  • Cash held in customers’ accounts

Unlike traditional credit cards, Brex determines your credit limit by evaluating your company’s expenditure, not by individual credit history. Therefore, the cardholder doesn’t need to have a perfect credit history!

The Brex credit card is a charge card. That means it needs to be paid in full every 30 days, and the payments will be automatically deducted from your bank. It goes beyond its value proposition by including fraud and expense management features.

Besides, Brex’s partnership with big companies presents businesses with great opportunities when redeeming bonus points.

Integrating Brex with Business Financial Systems

The best thing about Brex is its seamless integration with business financial systems and accounting software. Too much time and funds are wasted on tracking activities and reconciliation.

Brex offers real-time expense tracking features, automatic classifications, customizations, and reliable export options.

Here’s a breakdown of the accounting software that Brex is compatible with;

Brex Essential Integrations

  • Concur
  • Expensify
  • Pilot
  • QuickBooks Online
  • Sage Intacct
  • Xero

Brex Plus Integrations

  • Concur
  • Conferma Pay
  • CoupaPay
  • Expensify
  • NetSuite
  • Pilot
  • QuickBooks Online
  • Rippling
  • Sage Intacct
  • Xero

Security Features of the Brex Business Card

Don’t let your startup crumble due to credit card fraud! Brex gives you peace of mind by enabling global 3DS (3D Secure) protection. To add an extra layer of security, Brex will ask you for transactional verification when making payments online.

Moreover, you’ll always be prompted to provide an OTP verification, mostly sent through Email or SMS.

Brex also lets you know about your card transactions in real-time: That goes a long way into ensuring that every transaction can be accounted for, and you can always raise the alarm in time if you suspect fraudulent activity.

Check out Brex’s privacy policy before you agree to use their services.

FAQs: Navigating Common Queries About Brex Business Cards

  1. What are the eligibility criteria for a Brex business credit card?

These are the eligibility requirements for a Brex business credit card.

  • An IRS-issued US EIN
  • Physical Address
  • A valid US incorporation

Furthermore, you’re required to provide your ID or any other accepted identity documents.

  1. How does the Brex points system work for businesses?

For your business to earn Brex points, you’ll need to sign up for a Brex Cash management account. As your business transacts through Brex, you receive exclusive rewards, which can later be redeemed into handsome rewards.

  1. What makes the Brex corporate credit card different from traditional credit cards?

The Brex corporate credit card monitors your funds and expenditures. Therefore, your credit limit will always match your cash balance and expenditure. The best part about it is that you’ll never run bankrupt or default on your business.

Building Credit with Brex: Opportunities and Considerations

Yes! While Brex is not a credit agency, timely payments often impact your credit score positively. The more you make timely monthly payments, the easier it gets to access more credit.

Businesses need this. Access to timely credit for businesses is a challenge, and Brex offers you the chance to change that.

Moreover, continued use of the Brex business credit card will bump up your reward points, which could be renewed for exclusive business purchases and perks.

Customer Support and Resources for Brex Cardholders

You can access unlimited support by contacting Brex at You can also hit the Live Chat button on your Brex dashboard or call +1-833-228-2044

Check out the Brex Help Center for educational resources and valuable guides. If interested, meet and join Brex’s community and share tips and ideas to help scale your business to greater heights—network with investors across the globe in a safe space with Brex.