How Does LendingTree Get Paid?
| Advertising Disclosure

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Brex For Ecommerce

Brex For Ecommerce

Rates & Fees
$0 Annual Fee & No Foreign Transaction Fees.
Sign Up Bonus
75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)*
Extra Perks
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.
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Brex For Ecommerce best for?

If your online business is in need of short-term financing, but you don’t want to pay the fees or interest charges that typically come with traditional loans or cash advances, you may want to take a look at the Brex For Ecommerce card.

The Brex For Ecommerce, designed for online businesses, allows cardholders to carry an interest-free balance for 60 days. Plus, the card grants credit limits of 50% to 100% of your company’s projected monthly sales — up to $5 million.

Keep in mind that in order to be eligible for the card, your company needs to have a minimum of $100,000 in monthly sales and must have been in operation for at least one year.

In this review, we’ll explain the pros and cons of the Brex For Ecommerce, and show how it compares to the Ink Business Unlimited® Credit Card.

Brex For Ecommerce overview

    • 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.
  • Credit needed:
    660 850
    Excellent/Good
  • Instant approval
  • 24/7 fraud protection
  • U.S.-based support team
  • Expense management tools

Intro Purchase APR

N/A

Regular Purchase APR

N/A

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

$0

Cash Advance Fee

N/A

Foreign Transaction Fee

None

Balance Transfer Fee

None

Pros and cons of the Brex For Ecommerce

Pros

  • Introductory bonus
  • 60-day payment terms
  • No personal liability
  • No additional fees

Cons

  • Eligibility limitations
  • For online business only
  • Cannot earn points on purchases

What we like about the Brex For Ecommerce

  • Introductory bonus

    Cardholders receive 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)*.

    Points can be redeemed for a statement credit, cash back or business travel through Brex Travel. Points can also be transferred to several travel loyalty partners, including JetBlue TrueBlue, Air France KLM Flying Blue and AeroMexico Club Premier.

  • 60-day payment terms

    Instead of the typical month-long billing cycle offered by most credit cards, the Brex For Ecommerce gives you 60 days to pay your card balance.

    For example, if you make a purchase using your Brex For Ecommerce today, you will be responsible for paying the total amount back in 60 days. If you make a purchase tomorrow, you will be required to pay the total amount back 61 days from today.

  • No personal liability

    Because Brex underwrites the company and not the individual, the card does not require a personal guarantee. Therefore, your personal credit score will not be impacted, even if you are not approved for the card.

  • No additional fees

    The Brex For Ecommerce card does not charge fees or interest — unlike providers of traditional loans, merchant cash advances, working capital loans and other financing options. However, you will not be able to revolve a balance on the card beyond the 60-day period.

    Additionally, you will incur an annual fee of $0.

What to watch out for with the Brex For Ecommerce

  • Eligibility limitations

    To be eligible for the Brex For Ecommerce card, your company must have been in operation for at least one year and make a minimum of $100,000 in monthly sales. Note that sole proprietorships are not eligible to apply.

  • For online businesses only

    The Brex For Ecommerce card is designed exclusively for online brands and retailers, and not brick-and-mortar businesses.

  • Cannot earn points on purchases

    While the Brex For Ecommerce offers a sign-up bonus, it does not allow cardholders to earn additional points when they make purchases using their card.

    However, cardholders are eligible to receive special discounts on products and services to help run and grow their businesses. For example, cardholders can receive up to $150 in Google Ads credit, a 20% discount on an annual Zoom membership and a 40% discount on the first 12 months of QuickBooks. Terms may apply.

Alternate business card to the Brex For Ecommerce

Compare it to the Ink Business Unlimited® Credit Card

Disclosures |
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
on Chase's secure site
0% Intro APR on Purchases for 12 months
13.24% - 19.24% Variable
$0
Earn unlimited 1.5% cash back on every purchase made for your business
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you have a sole proprietorship, your business simply doesn’t produce $100,000 or more each month or if you think you’ll need to revolve a balance longer than two months — but still want to enjoy an interest-free time period to pay back business purchases — you should consider the Ink Business Unlimited® Credit Card.

In addition to a $0 annual fee, the Ink Business Unlimited® Credit Card offers cash back on every purchase. Cardholders earn unlimited 1.5% cash back on every purchase made for your business. Plus, earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. Rewards can be redeemed for cash, gift cards, travel and Apple Ultimate Rewards Store purchases.

Unlike the Brex For Ecommerce, the Ink Business Unlimited® Credit Card allows cardholders to carry a balance past 60 days. In fact, new cardholders receive a 0% Intro APR on Purchases for 12 months, then a regular APR of 13.24% - 19.24% variable applies.

Compare the Brex For Ecommerce to similar cards

Comparison of four different credit cards
Brex For Ecommerce Ink Business Unlimited<sup>®</sup> Credit Card Brex For Startups American Express Blue Business Cash™ Card
Brex For Ecommerce Ink Business Unlimited® Credit Card Brex For Startups American Express Blue Business Cash™ Card
Read Review
Apply Now
on Chase's secure site
Read Review
Apply Now
on American Express's secure site
Terms Apply
Welcome Offer
75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)* Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value)* $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months
Rewards Rate
N/A Earn unlimited 1.5% cash back on every purchase made for your business Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
Intro Purchase APR
N/A 0% Intro APR on Purchases for 12 months N/A 0% on purchases for 12 months from date of account opening
Regular APR
N/A 13.24% - 19.24% Variable N/A 13.24% - 19.24% Variable
Annual Fee
$0 $0 $0 No annual fee
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
Brex For Ecommerce Ink Business Unlimited® Credit Card Brex For Startups American Express Blue Business Cash™ Card

Is the Brex For Ecommerce right for you?

If you are the owner of an ecommerce business that generates $100,000 or more in revenue each month, the Brex For Ecommerce card offers a great opportunity to finance purchases without incurring fees or interest charges for 60 day periods and without impacting your personal credit.

However, if your business brings in less than $100,000 per month, or if you have a brick-and-mortar business, the Ink Business Unlimited® Credit Card is a good alternative. Along with earning cash back on every purchase, cardholders can finance business expenses for an entire year without paying interest.

The information related to the Brex For Ecommerce has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.