No interest or fees on any credit card purchase


Interest-free credit cards built for your business

Our interest-free repayment models are tailored to your industry for your credit card.

Advanced fraud protection and no personal liability

Get access to concierge dispute resolution and get automatically credited for fraudulent transactions.

Issue virtual cards instantly

Create virtual credit cards with custom limits for online purchases and no additional transaction fees.

Tailored repayment models with zero interest

Interest-free plans that work best for your business:

Brex for Startups & Life Sciences

Get access to a charge card with valuable rewards. Pay off your balance up to 30 days later with zero interest.

Brex for Ecommerce

Invest in your business ahead of your sales. Take up to 60 days to pay any charge, including inventory and digital ads.

Advanced fraud protection and controls

Two-factor authentication, advanced fraud monitoring, strong account security standards, and world-class customer service help you manage your business with confidence.


  • Best-in-class support
  • Zero liability
  • Concierge dispute resolution
  • Wait times under 2 minutes

Issue unlimited virtual cards with no fees

Create virtual credentials for any online purchases you make. Assign custom limits to as many cards as you like within your overall limit with no additional fees whatsoever.

Get access to higher credit limits

Our modern underwriting technology lets us issue the right credit limit for you based on your cash balance or monthly sales.

Top-of-the-line rewards programs

Earn rewards points that match your industry's spending patterns. Get high multipliers on purchases for software, dining, travel, ridesharing, or even lab equipment.

How do I know if I qualify?

Our underwriting technology helps us see if your company is the right fit for a Brex card the moment you connect to our systems.

Companies that have healthy cash balances or sales should consider using Brex.

    STEP 1

    Sign up in minutes

    STEP 2

    Connect to your bank

    STEP 3

    Start issuing virtual cards

What does no interest credit card mean?
A no interest credit card is a credit card that charges you 0% APR on your balance. This is commonly due to an introductory offer, meaning interest will only be applied on balances after a set period. Corporate credit cards and business charge cards also charge no interest, as the issuer requires the account holder to pay any debts in full by the end of the billing cycle.
How do Zero interest credit cards work?
Credit cards with a zero-interest introductory offer will not charge any interest on purchases for a set period. Typically, these introductory offers last between 12 to 22 months, making them ideal for balance transfers. Once the zero-interest period comes to an end, the issuer’s regular interest rate will apply.

Business charge cards or corporate credit cards that have zero interest do not allow the user to carry a balance. Full payment must be made each billing cycle to avoid incurring late fees and account restrictions.
Does having a zero balance affect your credit score?
Having large balances on your credit card can harm your credit score. This is because increasing your balance will also increase your credit utilization ratio, which is a significant factor in determining your creditworthiness. Your credit utilization ratio is the percentage of your total credit limit that has been utilized, and it is a good idea to keep this below 30%.

In general, having a zero balance should not affect your credit score. However, if this is due to inactivity on your account, then it may have a negative impact on your credit score over time.