Brex
Emigrant Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Emigrant Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Brex from Emigrant Bank earns up to 1.8% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get 10,000 points when you spend $3,000 on a Brex card within your first 3 months..
- Top category
- Dining
- Effective value
- 1.8%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use Brex Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the Brex earn in each category?
Dining is the strongest category at 1.8% effective value (3x points at about 0.6 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Brex compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight taxis and ride shares.
Dining is the strongest category at 1.8% effective value (3x points at about 0.6 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Brex compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 1.8% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.6% |
| Gas Gas stations and fuel | 1x points | 0.6% |
| Travel Flights, hotels, transit | 1x points | 0.6% |
| Other General everyday spend | 1x points | 0.6% |
Madeen values Brex Rewards at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Brex reward caps and conditions?
The Brex has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3x on restaurants
Who should get the Brex?
The Brex fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Brex fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use Brex Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.8% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Brex Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Brex welcome bonus?
In Madeen's catalog snapshot, the Brex welcome offer is Get 10,000 points when you spend $3,000 on a Brex card within your first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 1k Brex Rewards (~$6 estimated)
- Terms (catalog snapshot)
- Get 10,000 points when you spend $3,000 on a Brex card within your first 3 months.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Brex have an annual fee?
The Brex has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Brex?
The Brex includes AWS, Car Rental Insurance, Experian in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Freshworks
$10,000/yr$10,000 credits on Freshworks suite of products
AWS
$5,000/yrAll new Brex Customers are eligible for $5,000 in AWS credits depending on Activate eligibility
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard® Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
$10/yrSave 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Mastercard Golf
$10/yrImpress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Related encyclopedia topics
Common questions about the Brex
Where do cardholders spend most with the Brex?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on taxis and ride shares (7x), coffee (3x), fast food (3x) for the Brex. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Brex have an annual fee?
The Brex carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Brex?
Dining is the strongest Madeen category for the Brex at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Brex charge foreign transaction fees?
The Brex does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Brex welcome bonus?
The Brex welcome offer in our snapshot: Get 10,000 points when you spend $3,000 on a Brex card within your first 3 months.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Brex?
Madeen's catalog lists a typical credit range of Good for the Brex. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Where this card ranks
Related Madeen guides
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Emigrant Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Emigrant Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure