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Brex For Ecommerce

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on Emigrant Bank's secure site

Brex For Ecommerce

 

Rated 4/5 stars by our editorial team

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  • Regular Purchase APR

    N/A

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ 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.

Card Fees

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    None

  • Cash Advance Fee

    N/A

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    3.0

  • Fees

    5.0

  • Benefits

    4.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

Brex is taking the business credit card world by storm with its innovative and disruptive card offerings. No personal guarantees, interest-free financing for 60 days and credit limits up to 75% of your businesses monthly sales are unique features of Brex For Ecommerce.

The lengthy interest-free float gives businesses valuable wiggle room to purchase inventory and you have 60 days to pay off the balance. This card comes with extremely generous credit limits. Your business could gain access of a credit limit up to $5 million, depending on your monthly sales levels. This is a charge card, not a credit card.  Brex will automatically debit your business checking account after the statement period.

Enjoy a valuable sign up bonus: 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)*. Use your points for statement credit, pay for travel through Brex Travel or convert points to airline miles.

To qualify for this business credit card, your company must be registered as a C-corps, S-corps, LLCs, or LLPs. Your company must generate a minimum of $100,000 in monthly sales and been in operation for at least one year.

The Brex cards keep your finances separate from your businesses. Applying for a Brex card won’t affect your personal credit score. The “no personal guarantee” means you aren’t personally liable for business spending.

Just like other traditional business credit cards, Brex offers fraud protection and you aren’t liable for unauthorized transactions. This card comes with valuable perks like exclusive discounts on Google Ads, Zendesk, Sendrid, Postscript and more.

There is a fast application process and you could get approval within minutes. Upon approval, gain instant access to a virtual credit card you can use right away. Your physical card will arrive in the mail in three to five days.

The Bottom Line

This card gives you access to 60 day interest free financing to help you manage and improve business cash flow and potentially high credit limits depending on your monthly sales volume. Keeping your personal and business finances separate can give you peace of mind.

The Good

Each day of spend offers a generous 60-day float. No personal guarantee means you aren’t personally liable for business spending.

The Not So Good

The requirement of $100,000 in monthly sales means not all businesses will qualify. This is not a credit card and you can’t carry a balance beyond 60 days.


Editorial Note: This content is not provided by Emigrant Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Emigrant Bank.

Expert Reviews of the Brex For Ecommerce

  • Regular APR

    4.0

  • Intro APR

    3.0

  • Fees

    5.0

  • Benefits

    4.0

  • Overall Rating

    4.0 /5


Consumer Reviews 0 Reviews

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