Costs & Pricing

Metric	Brex Card	Wells Fargo Signify Business Cash® Card
Annual fee	$0 published for the card. Software is separate: Essentials $0/user/mo; Premium $12/user/mo; Enterprise/Smart Card custom. Do not treat Premium as a card AF unless the company elects that plan.	$0
Employee card fee	$0; unlimited physical + virtual cards advertised	$0 (no published cap on number)
Purchase APR	N/A — charge card, pay in full. Marketing “0%” is charge-card float (daily ~1 business day after clear, or ~30-day monthly statement), not an intro APR.	16.74%–24.74% variable after intro (Prime + 9.99% to +17.99%; Prime 6.75% as of 09/02/2026; max APR 29.99%). Disclosures accurate as of Dec 2025.
Intro APR (purchases)	Not offered	0% for 12 months from account opening, then standard variable purchase APR
Foreign transaction fee	Marketing: no FTF. Official: FX rate markup of up to 3% on conversions (Mastercard wholesale, adjusted daily). Local-currency cards can avoid conversion on local spend.	3% of each transaction converted to U.S. dollars
Late payment fee	2.99% of delinquent balance or $38, whichever is higher, assessed once per statement that is 30 days past due (Card Program Terms, Apr 7, 2026)	Up to $40. First event in a rolling six-cycle window: lesser of minimum payment or $29; subsequent: lesser of minimum payment or $40

Rewards & Value

Metric	Brex Card	Wells Fargo Signify Business Cash® Card
Base earn rate	1x on everything else under Exclusive (1 point per $1 USD spend with a U.S.-based merchant). All customers enrolled in Exclusive unless the contract says otherwise. No published category caps. Non-Exclusive / second-card path may be flat 1x — source conflict with 2026 reviews; confirm on the live contract.	$0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when the purchase appears on a monthly statement. Program terms effective June 26, 2026.
Welcome bonus	$1,000 USD statement credit after ≥$4,000 Qualifying Spend within 30 days of activation. Apply, be approved, and activate (first purchase) Sep 1–30, 2026 (legal offer revised Aug 10, 2026). Re-check Oct 1. Review sites still print 10,000 points after $3,000 in 3 months — not found as a current dated legal page.	$500 cash rewards after $5,000 qualifying net purchases post within 3 months of account opening. Redeemable within 60 days after earned. Standing public offer since the May 2024 launch — no published offer-expiration date.
Redemption value	Brex Travel portal: 1 point = 1¢. Cash to Brex business account or statement credit: 1 point = 0.6¢ (admin must claim). Headline 7x rideshare is 4.2% cash only if Exclusive + cash path. Do not use 1¢ for cash.	Statement credit / credit to an eligible Wells Fargo business credit or checking account at 1:1 cash. Gift cards and Business Rewards portal travel are options — portal/gift-card cents-per-dollar not published; do not assume portal equals cash. Minimum redemption $1 for statement-credit path.
Transfer partners	Emirates Skywards, Avianca LifeMiles, Singapore KrisFlyer, Air France-KLM Flying Blue, Aeromexico Club Premier, Cathay Asia Miles, Qantas Frequent Flyer at ~1,500:1,000. Crypto (BTC/ETH) appeared in older guides at 0.6¢ — not on the current official redeem page.	Not offered (points transfers are for Essential/Elite, not Cash)

Credit & Eligibility

Metric	Brex Card	Wells Fargo Signify Business Cash® Card
Personal guarantee	Not required in Brex marketing. Card Program Terms assign liability to the Company. Confirm the live issuer agreement at approval (Emigrant vs Fifth Third vs other).	Required. Account Guarantor unconditionally agrees to be personally liable, jointly and severally with the business. Wells Fargo may seek to collect from the guarantor before the business. Covers future line increases and enforcement costs.
Credit check	Brex states SSN is for identity verification and is not used to underwrite or pull personal credit. No advertised personal hard pull.	Consumer report on the Account Guarantor. Treat full apply as a hard pull unless using only the no-impact prequal tool. Application also collects ownership details for 25%+ owners.
Employee cards	One employee card (physical or virtual) per user plus unlimited purchasing/virtual cards. Spend limits, merchant locks, policies, Apple/Google/Samsung Pay. Company liable. Auto-reissue on expiry.	$0. Add via Business Online; optional monthly cycle spend cap (default = full account line). Up to three Administrators besides the guarantor. Employee cardholders are not personally liable; guarantor is. Cards mail in 5–10 business days. No published maximum number.
Product type	Corporate / commercial charge card plus spend-management platform (pay-in-full daily or monthly; not revolving; no published purchase APR)	Revolving business credit card (not a charge card; not NPSL; not a spend-management platform)

Pros & Cons

Brex Card

Pros

• No personal guarantee and no advertised personal credit pull; company is the obligor
• $0 card annual fee and unlimited employee/virtual cards on Essentials
• Exclusive category points with no published earn cap; Brex Travel portal at 1¢/pt
• Native expense controls, virtual/vendor cards, and accounting integrations
• Local-currency cards in 50+ countries (plan-dependent); business-bureau reporting without personal-credit reporting (per Brex)

Cons

• Charge card: no revolving APR, no 0% working-capital window; late fee 2.99% or $38 after 30 days past due, plus possible 10% workout fee
• Sole props ineligible; funded startups commonly ~$50k cash; commercial revenue floors are messy
• “No FTF” marketing vs up to 3% FX markup
• Cash redemption 0.6¢/pt; airline transfers 1,500:1,000; Exclusive/contract multipliers are easy to misread
• Dynamic limits can fall with cash; Capital One ownership may change terms

Wells Fargo Signify Business Cash® Card

Pros

• Uncapped 2% cash on qualifying spend with $0 annual fee
• 0% intro APR on purchases for 12 months from open
• $500 cash bonus at $5,000 / 3 months — low hurdle versus many business SUBs
• Employee cards at $0 with per-card cycle caps
• Primary MasterRental CDW and $250k common-carrier accident insurance on a no-fee card; rewards do not expire while open

Cons

• 3% foreign-transaction fee
• No category bonuses; 2% loses to 3–5% advertising/shipping cards on those MCCs
• Personal guarantee is unconditional and first-recourse
• No purchase protection, extended warranty, or cell-phone insurance in the public benefits guide; Priority Pass visits are paid
• After the intro window, 16.74%–24.74% variable APR makes revolving expensive relative to 2% earn; no public BT product

Verdict

Brex Card

Brex is a charge-card ops platform owned by Capital One as of April 7, 2026 — not Spark, not Ramp’s Visa SKU, and not a revolving bank card. Pick it for no-PG underwriting and policy tooling. Do not assume 1¢ cash, a guaranteed 7x, or true $0 FX. Sole props, revolvers, and simple 1.5–2% cash shoppers should use a traditional PG card or Ramp if the cash bar fits. The Sep 2026 $1,000 / $4,000 / 30-day credit expires Sep 30 — re-check Oct 1.

Wells Fargo Signify Business Cash® Card

Signify Business Cash is the flat 2% SKU — not Essential/Elite (points) and not consumer Active Cash. It beats Blue Business Cash after the $50k 2% cap and beats Ink Unlimited on ongoing earn, while trailing Spark Cash Plus on FTF and NPSL. Skip it for foreign spend, transferable points, no-PG underwriting, or anyone who will revolve after month 12.