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Brex for Ecommerce review

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Get interest-free financing for your e-commerce business.

  • Get this card if you run an e-commerce business and you want interest-free financing.
  • Pick something else if you want a standard small business credit card.
  • Apply with a minimum monthly sales of $50,000 and at least one year in business.


Annual fee


Recommended credit score


Product NameBrex for Ecommerce
Card typeMastercard
Annual fee$0
Purchase APRN/A
Balance transfer APRN/A
Foreign transaction feeNone
Interest free periodUp to 60 days

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Brex for Ecommerce could be a good fit for e-commerce business owners who want long-term financing without paying interest. You can apply for the card without a personal guarantee and get started with a virtual card as soon as you’re approved.

You can also get a generous credit line and build your business credit.

The perks

  • Interest-free financing.

    Use this credit card to get special financing without interest or fees for 60 days.

  • Long repayment window.

    You have 60 days to pay your balance without interest. The amount due must be repaid in full by the end of this period.

  • Signup bonus.

    Enjoy discounts for business services such as Google Ads, Zendesk, Salesforce and Postscript with a combined value of up to $25,000.

  • Quick application process.

    Apply and get your virtual card within minutes. You can start making purchases online while you wait for your physical card to arrive.

You’ll also like

  • High credit line.

    You can get a credit line between 50% and 100% of your future monthly sales, up to $5 million.

  • Fraud protection.

    You won’t be held liable for unauthorized purchases. Also, Brex monitors your account 24/7.

  • No personal guarantee.

    Get your Brex for Ecommerce card without a personal guarantee. This protects your personal credit score if your application is denied or if you fail to pay off your balance.

  • Build business credit.

    Brex reports your credit activities to Dun & Bradstreet and Experian. Use your card responsibly to build your business credit.

  • Add new cards.

    You can easily add employee credit cards, set spending limits and track their spending.

  • World Elite Mastercard® benefits.

    Enjoy global assistance and insurance for travel purchases made with your card, zero liability for unauthorized purchases and advanced ID theft protection.

What to watch out for

  • Credit card eligibility.

    Your company must be active for at least a year with minimum monthly sales of $50,000. If your company is a sole proprietorship it won’t be eligible.

  • Can’t carry a balance.

    You must pay your balance within 60 days.

Compare business credit cards

Updated November 15th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.74% to 20.74% variable)
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.74% to 20.74% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.74% to 22.74% variable
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.24% to 26.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

Bottom line

The Brex for Ecommerce could be a good fit for an e-commerce company that needs interest-free financing, a high credit line and no personal guarantee. You can pay your balance in 60 days without interest. If you’re looking for rewards, you may want to consider the Brex for Startups.

However, if you think a small business credit card could be better suited for you, compare your options.

Frequently asked questions

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