Brex Visa® Commercial Card


For People with
Good Credit

REVIEWS

Reviews

The Brex Visa Commercial Card is an interesting business card with a unique feature: it doesn’t require a personal guarantee to apply.

That means you’ll be approved or denied based on your business’ creditworthiness. According to customer support, companies that are typically approved by Brex have the following characteristics:

  • Professional investors
  • Consistently hold more than $100,000 in a U.S.-based bank account
  • An EIN (Employer Identification Number)

So the person who applies for the card (a company executive or authorized officer) is not personally liable for charges made to the card. Instead, the business itself is liable. This is very different from most business cards, which check the applicant’s credit history and credit scores, require a personal guarantee, and will hold the applicant liable for any charges.

To apply you must link a corporate bank account, so Brex can determine the creditworthiness of your business as part of the underwriting process. Automatic monthly payments will be withdrawn from this account to pay for charges made to the Brex card.

This card is only available to corporations and other types of non-individual liability companies. Consumers, sole proprietors, and unregistered businesses are ineligible. There are also some prohibited persons and businesses activities, like gambling, prostitution, the production and sale of marijuana, cryptocurrency mining, and multi-level marketing.

The Brex corporate credit card offers a valuable rewards program — Brex Exclusive — but this requires you to make Brex the exclusive corporate card for your business. After qualifying for Brex Exclusive, you’ll get:

  • 7X points per dollar on:
    • Rideshare Services
    • Taxis
  • 3X points per dollar on:
    • Travel
    • Restaurants
  • 2X points per dollar on Recurring Software Purchases
  • 1X point per dollar for all other purchases

If you don’t qualify for Brex Exclusive you’ll get just 1X point per dollar for all purchases.

There are also a surprising number of perks, in the form of thousands of dollars in credits for various services that startups and technology companies often find useful. These are available whether you qualify for Brex Exclusive or not, and they include:

  • $5,232 in ZenDesk credits
  • $5,000 in Amazon Web Services credits
  • $1,560 in SendGrid credits
  • $500 in Twilio credits
  • $150 in Google Ads credits
  • 15% off the list price of a WeWork office space for six months

This is a charge card, rather than a typical credit card, which means you must pay off the balance in full every month. Balance transfers and cash advances are not allowed.

The Brex Visa Commercial Card has no annual fee. The first five cards you get will be free, but after that there will be a $5 annual fee for every employee card. It also states that it offers credit limits 10–20 times higher than competitive cards.

Card activity will be reported to Experian Business, so you can use the Brex Visa to help improve your business credit.

Card Quick Facts

Card Quick Facts

  • 7X points per dollar on Rideshare Services and Taxis
  • 3X points per dollar on Travel and at Restaurants
  • 2X points per dollar on Recurring Software Purchases
  • $5,000 in Amazon Web Services credit over a year
  • $150 in Google Ads credit
  • 15% off the list price for a U.S. WeWork office space, for 6 months
  • 20% discount on a first year subscription to Carta, and waived implementation fees
  • 25% subscription discount for Salesforce, up to $375 off
  • No foreign transaction fees
  • No annual fee

For People with
Good Credit

REVIEWS

Reviews

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Card Details

Rewards

Rewards

  • 7X points per dollar on:
    • Rideshare Services
    • Taxis
  • 3X points per dollar on:
    • Travel
    • Restaurants
  • 2X points per dollar on Recurring Software Purchases
  • 1X point per dollar for all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee No fee for first 5 cards; $5 fee per card after that
Regular Purchase APR Not Applicable - Paid in Full Monthly
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee -
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $5,000 Amazon Web Services Credit

    Get up to $5,000 in credit for Amazon Web Services (AWS) purchases over any one year. Available for startups that have received less than $5,000 in credits through AWS, a VC, accelerator, or other AWS-partnered organization.

  • $150 Google Ads Credit

    Up to $150 in credit for Google Ads, valid for purchases made during the first 30 days after activating the service and using your promo code.

  • 15% Discount to WeWork

    Get 15% off the list price for six months on any new WeWork U.S. office space.

  • 20% Discount to Carta

    Get 20% off your first year’s subscription to Carta, and waived implementation fees. Only available for new Carta customers.

  • 25% Discount to Salesforce

    Get 25% off an annual subscription to Salesforce, up to $375 in savings.

  • $500 in Twilio Credits

    Get $500 in credits for Twilio, to be used over one year. Available for startups that have not received Twilio credits through a VC, accelerator, or other Twilio-partnered organization.

  • $1,560 in SendGrid Credits

    Get credits for $129.95 per month for 12 months for a SendGrid Pro 100K Plan, for a total of $1,560. Only available for new SendGrid customers.

  • $5,232 in ZenDesk Credits

    Get credits for $436 per month for 12 months for a ZenDesk Suite plan, for a total of $5,232.

  • HubSpot Discounts

    Get 40% off your first year of HubSpot, and 20% off your second year, for an average savings of $6,000. Only available for new HubSpot customers.

  • $105 in Instacart Credits

    Get $35 off three Instacart orders of $75 or more, for a total of $105 in savings.

  • $105 in Caviar Credits

    Get $35 off three Caviar orders of $75 or more, for a total of $105 in savings.

  • Capture Receipts

    Use your phone to capture receipts and they will be automatically matched to transactions on your statements.

  • Expense Management Tools

    Integrate Brex transaction data with accounting software: QuickBooks, Xero, NetSuite, and Expensify.

  • Virtual Cards

    After being approved you’ll immediately get virtual cards to use for online transactions.

  • Fraud Monitoring

    Your account is monitored 24/7 for suspicious activity, with a combination of machine intelligence and human analysis.

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