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Brex for Ecommerce Review


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What Brex says about this card

This card is no longer available.
  • 30,000 in Brex Rewards points upon signup and waivedcard fees for life (equal to $300+ value)*
  • 60-day interest-free non-revolving credit for e-commerce businesses. Pay for your inventory today and you'll have 60 days to pay Brex back.
  • Credit card limit is up to 75% of your business's monthly sales (with maximum credit limit of $5 million).
  • $100,000 in monthly sales required to qualify for Brex.
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Instant approvals and access a virtual card immediately for online and recurring transactions. Seamlessly add new users, issue new cards, and set specific spending limits.
  • Enjoy worldwide acceptance with no foreign transaction fees.
  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text and email.
  • Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.
  • Never liable for unauthorized transactions. Your account stays secure with 24/7 real-time fraud monitoring.


Brex for Ecommerce is a high-limit corporate charge card that doesn't require a personal guarantee, credit check or security deposit from the card applicant; instead, card approval is based solely upon your company's monthly sales and bank account deposits. For the right business owner, Brex for Ecommerce can provide a substantial line of credit with no fees and no interest as well as a variety of tools and protections, including all the perks of the World Elite Mastercard® program and worldwide acceptance as part of the Mastercard network.

It shouldn't be overlooked that one of those protections lies in the very fact that your personal guarantee and assets aren't part of the equation with this card; instead, Brex underwrites the card based on your company alone, which means your personal assets aren't on the line even if your business doesn't ultimately succeed. In addition, Brex for Ecommerce is a rewards card, though the structure for earning rewards is a bit unique and unlike a traditional rewards card (more on that in the "benefits" section below). To get things started, however, there is a traditional-style signup bonus: You earn 30,000 Brex Rewards points at signup, and you'll receive waived card fees for the life of your account – together a value of $300 or more in the first year.

CardRatings Editor's Analysis: Pros & Cons

  • Earn 75,000 bonus points Brex Rewards points when you sign up.
  • As a charge card, you don't need to worry about interest charges – you'll pay your balance off by the due date, which is 60 days after your purchase.
  • The sooner you pay off your card, the more rewards you can earn. For instance, pay off your purchases within five days and you'll earn 1.5% cash back on those purchases.
  • The monthly sales requirement of $100,000 is steep and may not be where your business is at (yet!). If that's the case, there are plenty of other excellent business credit cards out there that could be a better fit.


Brex for Ecommerce, as we've already mentioned, is a carefully designed charge card (as compared to a credit card, which allows you to carry a balance) that will only work for specific businesses. It shouldn't be surprising, then, that the requirements to qualify for the card are quite specific and the bar is high. To qualify for Brex for Ecommerce a company must have had $100,000 worth of monthly sales in the past 30 days and an operating history of at least one year online. The company must also earn at least 90% of its revenue via internet-based sales. Beyond your sales being considered as part of your application process, they will also determine your credit limit. Brex for Ecommerce cardholders' credit limits are up to 75% of your monthly sales, with a $5 million maximum limit. In other words, credit limits can be sky-high, making it possible for you to take your business to the next level without jumping through the hoops of a traditional loan.


If protections, ease of use, no fees, no interest AND rewards are what you need for your growing ecommerce business, Brex for Ecommerce could be just right. Cardholders enjoy a credit limit of up to 75% of their projected monthly sales, up to a $5 million limit. Since this is a charge card, not a credit card, you don't have to worry about interest charges. In fact, the payment plan for Brex for Ecommerce is unique in that you have a net 60 days to pay off your charges. If you charge $2,000 on March 1 and $3,000 on March 2, you'll owe $2,000 on April 30 and $3,000 on May 1. That payment system means you have more than the time a regular business credit card would allow to pay for your purchases. Remember, this is a charge card, so you will need to pay your balances in full.

And, while you have 60 days to pay off your charges, paying them off earlier than that means you earn rewards. With Brex for Ecommerce, you earn rewards based on when you pay off your charges. The breakdown looks like this:

  • Earn 1.5% cash back on any charges you pay off within five days of purchase
  • Earn 1% cash back on any charges you pay off between six and 30 days of purchase

You can certainly take advantage of the full 60 days to pay off your charges, but you won't earn rewards on charges you pay off between 31 and 60 days of purchase. It's a unique spin on earning rewards, but it's appealing because the earn rate has potential to be fairly robust at 1.5% cash back on every purchase, plus it encourages responsible budgeting and card use – both things we are fans of.

In terms of other perks and features, Brex for Ecommerce applicants can be approved for the card in as little as five minutes AND there's no waiting seven to 10 business days to receive your card – if approved, you'll receive a virtual card instantly so you can start using it right away. You can also quickly and easily add additional users, setting specific spending limits in real time and as the situation requires. The built-in integration with Quickbooks and more should make your record-keeping simpler.

As you would expect, there are fraud protections in place and you aren't liable for unauthorized transactions.

Lastly, Brex reports your on-time payment info to credit bureaus so that you can work on building your business credit. All of this and, thanks to a promotion, you can sign up now and your annual fee will be waived. (Normally the annual fee is a modest No Fees for Life*.

Top Features

Highlighted Offer Purchase Intro Regular APR


Brex for Ecommerce vs. The Business Platinum Card® from American Express

(This card is not currently available on CardRatings)

The Business Platinum Card® from American Express (American Express is a CardRatings advertiser) is a more traditional business card that will require a personal guarantee to qualify, unlike the Brex card that bases your approval on your company's assets. That said, the bar to qualify for the American Express card is arguably lower as there are no stated requirements for the amount of sales your company must be generating to qualify, nor are their restrictions on how long your company must have been in operation or what your company does. In other words, it's arguably easier to qualify for The Business Platinum Card® from American Express, but it doesn't offer you the same separation of your personal assets from your company assets.

The Business Platinum Card® from American Express is a traditional rewards card. New cardholders can earn 75,000 Membership Rewards® points after spending $15,000 on qualifying purchases within the first three months of card membership.Those points are transferable to a number of loyalty programs, plus there are plenty of options for redeeming them at amextravel.com.

While this American Express card may seem more approachable at a glance, it's important to note that it does require a $595 annual fee.

Brex for Ecommerce vs. Ink Business Preferred® Credit Card

The information related to this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

Once again, the Ink Business Preferred® Credit Card is a traditional rewards credit card for small businesses. In this case, you can earn 100,000 Chase Ultimate Rewards® points – worth up to $1,250 when redeemed for travel through the Ultimate Rewards® portal – after you spend $15,000 within the first three months of card membership and then continue to earn at a rate of three points per $1 spent on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year (up to the first $150,000 spent, then one point per $1) and one point per $1 on everything else.

It's important to keep in mind that this is a traditional credit card so your personal guarantee (and credit) will be used to determine whether you're approved and your line of credit. Furthermore, while you CAN carry a balance – and that might be something you need – you'll also be accruing interest if you do carry a balance.

The Ink Business Preferred® Credit Card charges a $95 annual fee, but does not charge foreign transaction fees.

Overall, this card is designed for a much broader set of businesses than the Brex for Ecommerce card will likely appeal to, but if your business does qualify for the Brex card, the rewards and opportunities are excellent and worth considering.

Brex for Ecommerce vs. Brex for Startups

Brex issues a few different cards designed for specific types of businesses. Brex for Ecommerce is, as the name implies, for ecommerce-focused businesses, but perhaps you operate a startup that needs a credit card. Brex for Startups could be a better fit.

Again, there are tight requirements to qualify for this card. In particular, your business must be "tech-forward" and have at least $100,000 in a business bank account. If you can meet that bar, you'll appreciate that many of the features that make Brex for Ecommerce attractive also apply to this card for startups. Again, Brex bases your approval and credit line on your business and does not require a personal guarantee, which reduces your personal risk. You'll be eligible for the same signup offers with multiple business products and tools and worth more than $50,000 in value. And you're eligible for a signup offer of 75,000 Brex Rewards points upon signup and waived fees for the life of the account, but the rewards program is structured differently.

With Brex for Startups you have some options when it comes to how you earn rewards: You can earn 7x points on rideshares, 4x points on travel, 3x points at restaurants, 2x points on software subscriptions and one point per $1 spent on all other transactions OR earn 7x points on remote collaboration tools bundle, 3x points on food delivery, 2x points on recurring software and one point per $1 spent on all other transactions. There are also some new work-from-home rewards including up to $100,000 in Amazon Web Services credits (depending on company funding), 50% off your annual Dropbox business standard subscription and 20% off Zoom. Plus, your points are transferable to seven airline loyalty programs.

Overall, your company's structure and status may determine which Brex card works best for you, but if you can qualify for more than one, you'll want to consider your spending needs and rewards hopes.


This card has a specific set of business owners in mind, but if you are among that set, the perks, features and flexibility of Brex for Ecommerce could very well prove helpful to have in your business' financial toolbox.

For rates and fees of American Express cards mentioned in this article, please see the following links: The Business Platinum Card® from American Express (See Rates and Fees)

Brex for Ecommerce compared to other business cards

Card Name
Highlighted Offer
Purchase Intro
Regular APR
Brex for Ecommerce
This card is no longer available.
30,000 in Brex Rewards points upon signup and waived card fees for life (equal to $300+ value)*
Earn 65,000 American Airlines AAdvantage(R) bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
15.99% - 24.99% (Variable) 
75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)*

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