LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit Cards / Business
Credit card review

Brex Business Credit Card Review

BrexMastercardBusinessNo annual fee

Brex Business Credit Card earned 4.5 / 5 in our 2026 review. The Brex Business Credit Card earns 7x on rideshare with no annual fee, a 75,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
Brex Brex Business Credit Card credit card
Apply at Brex Compare all cards
TL;DR
Annual fee
$0
Signup bonus
$750
Top reward rate
7x on rideshare
Intro APR
None
Issuer
Brex
Network
Mastercard
Min credit score
0
Fintiex rating
4.5 / 5
Pros
  • +7x points on rideshare
  • +4x points on Brex Travel bookings
  • +3x points on dining
  • +2x points on recurring software subscriptions
  • +1x points on everything else
  • +No personal guarantee required for qualifying businesses
  • +No annual fee, no foreign transaction fees, no interest (charge card)
  • +Points transfer to airline partners (Avianca, Air France/KLM, Cathay Pacific, and more)
  • +Integrated expense management with real-time reporting
  • +Up to $150/month in statement credits for qualifying categories
  • +Scales with your business: spending limit based on cash balance
Cons
  • -Charge card: balance must be paid in full each month
  • -Requires a Brex business account and qualifying company (VC-backed, US-incorporated)
  • -Not available for sole proprietors or most small businesses without institutional funding
  • -No traditional credit building (charge card, not revolving credit)
  • -Best rewards require using Brex Travel and partner ecosystem
  • -Spending limit tied to cash balance can restrict large purchases

Rewards detail

rideshare
7x
travel via brex
4x
dining
3x
recurring software
2x
everything else
1x

Fintiex values Brex points at about 1.00 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$0
Purchase APR
0%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
0%
Cash advance APR
0%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for

The Brex Business Credit Card is built for people who want a business or no annual fee card. Plan to have a FICO score around 0 or higher before applying. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best business cards roundup.

Compare with similar cards

Chase
Ink Business Preferred Credit Card
3x on travel
$95 fee→
Chase
Ink Business Cash Credit Card
5% on office supply stores
$0 fee→
American Express
American Express Business Gold Card
4x on top 2 business categories
$375 fee→
Capital One
Spark Cash Plus for Business
5% on hotels capital one travel
$150 fee→

Frequently asked questions

Does the Brex Business Credit Card have a foreign transaction fee?
No. The Brex Business Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Brex Business Credit Card?
Plan to have a FICO score of at least 0 before you apply. Issuers also look at income, debt-to-income ratio, and existing accounts with the bank.
How much is the Brex Business Credit Card signup bonus?
New cardholders earn 75,000 bonus points after spending $9,000 in the first few months. Fintiex values that at about $750 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Brex Business Credit Card have a 0% intro APR offer?
No. The Brex Business Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 0%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Brex Business Credit Card?
$0. The Brex Business Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Brex Business Credit Card worth it?
Fintiex rates the Brex Business Credit Card 4.5 out of 5 for 2026. It is best for business and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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