Rewards & next steps

How to Apply for the Brex Card

★Here's how to get the most from this card. Follow the steps below, then apply on the issuer's official site.

Applying for the Brex Card is different from applying for a typical small-business credit card because there's no personal credit pull involved. Instead, Brex reviews information about your business itself — its incorporation status, bank balances, funding history, and revenue — to decide on approval and set a credit limit.

Before you start, it helps to have your business's basic documentation and financial information ready, since the application will ask for details a personal-credit-based card application normally wouldn't.

Step by step

1. Confirm your business meets the basic eligibility criteria: Make sure your company has a US Employer Identification Number (EIN), valid US incorporation, and a physical US business address. Review Brex's current cash-reserve and revenue or funding guidelines on its official site, since these determine both approval odds and which repayment plan you may qualify for.
2. Gather your business financial information: Have your business bank account details, incorporation documents, and basic financial information on hand. Brex's underwriting looks at cash balance, revenue, and funding history rather than a personal credit score, so this information takes the place of a personal credit check.
3. Submit the online application: Complete Brex's application with your business details and connect your business bank account as requested. Brex uses this information to evaluate your company's financial health and determine a proposed credit limit.
4. Review your offer and repayment plan: If approved, review the credit limit and repayment terms you're offered — for example, whether you're on a standard monthly pay-in-full plan or eligible for a plan with different repayment timing based on funding, revenue, or headcount.
5. Activate cards and set up spend controls: Once approved, activate the primary card and issue employee cards as needed. Since the top rewards multipliers require Brex to be your primary corporate card, consider consolidating company spend onto it to get full value from the rewards structure.

Tips & mistakes to avoid

• Consolidate spend: because bonus rewards categories only apply when Brex is your primary corporate card, splitting spend across multiple card providers quietly drops your rate to a flat 1 point per dollar.
• Have your cash position ready: since approval leans on business cash balance and revenue rather than personal credit, be prepared to show healthy bank balances and, if applicable, funding documentation.
• Double-check current thresholds before applying: cash-reserve and revenue/funding eligibility figures are the kind of detail issuers adjust over time, so confirm the current numbers on Brex's official site rather than relying solely on this guide.
• Plan for pay-in-full: because it's a charge card with no revolving balance, budget so the linked business account can cover the automatic debit each billing cycle.

FAQ

Will applying for the Brex Card affect my personal credit score?

Brex states it does not perform a personal credit check as part of its standard underwriting, so a typical application should not involve a hard pull on the founder's personal credit. Confirm current application details on Brex's official site, since processes can be updated.

What businesses are not eligible for the Brex Card?

Businesses without a US EIN or US incorporation, and companies that don't meet Brex's cash-reserve or revenue/funding expectations, are unlikely to qualify. The card is generally positioned for funded startups and growth-stage companies rather than every small business or sole proprietorship.

Advertiser disclosure: general information only, not financial advice. We are an independent publisher, not a card issuer or lender. Confirm current terms on the issuer's official site.