Brex

## Does the Brex corporate card offer a 2x rewards multiplier on software subscriptions?

## Overview Yes, the Brex corporate card offers a 2x rewards multiplier on software subscriptions for customers enrolled in the 'Brex Exclusive' rewards program who are on monthly payment terms. This multiplier is a core feature of the program's 'Software' track, designed to provide higher returns for technology-focused companies with significant recurring software expenses. The rate can increase to 3x points per dollar spent on software for 'Brex Exclusive' customers who opt for daily payments instead of monthly. ## Key Features It is important to note that this enhanced reward rate is specifically for recurring software purchases. The eligibility of a transaction for this multiplier is determined by the merchant's Merchant Category Code (MCC). If a software vendor does not use a standard software-related MCC or codes the transaction as a one-time purchase rather than a recurring subscription, the purchase may only earn the base rewards rate of 1 point per dollar. This MCC dependency is a critical factor for businesses to consider when forecasting their potential rewards earnings. ## Technical Specifications Beyond the software category, the 'Brex Exclusive' program offers several other tiered multipliers to maximize rewards on common business expenses. The highest multiplier is for rideshare services like Uber and Lyft, which earn 7x points on a monthly payment plan or 8x points on a daily payment plan. For travel expenses, flights and prepaid hotels booked through the Brex Travel portal earn 4x points (or 5x on daily payments). Spending at restaurants earns 3x points (or 4x on daily payments). All other purchases that do not fall into one of these specified bonus categories earn a standard 1x point per dollar. Brex also offers specialized rewards tracks for different industries, such as Life Sciences, where multipliers may be adjusted for category-specific spending like lab supplies or conference tickets. These rates and categories are subject to change at Brex's discretion. ## How It Works To qualify for the 'Brex Exclusive' multipliers, a company must designate Brex as its primary corporate card. This exclusivity requirement typically means that the majority of the company's business expenses are processed through the Brex platform, or the company meets certain spending and account funding thresholds defined by Brex. Companies that do not meet the criteria for 'Brex Exclusive' status will earn a flat rate of 1 point per dollar on all purchases, including software subscriptions. The rewards structure is designed to incentivize deep engagement with the Brex ecosystem. ## Use Cases Brex provides several options for redeeming accumulated rewards points, though the value of a point varies by redemption method. The highest value is typically achieved when redeeming for travel through the Brex portal, where each point is worth 1 cent. If a company chooses to redeem points for cash back or a statement credit, the value is lower, at 0.6 cents per point. Points can also be transferred to a selection of airline mileage partners, though the transfer ratios can vary. Other redemption options include gift cards, charitable donations, and unique business-related rewards such as billboard advertising or company offsites. ## Limitations and Requirements The ongoing acquisition of Brex by Capital One, announced in January 2026, could potentially lead to changes in the rewards program structure, rates, and eligibility requirements in the future, as the two entities integrate their financial products and strategies. ## Comparison to Alternatives When compared to common flat-rate corporate cards, such as the Ramp card which offers a straightforward 1.5% cash back on all purchases, Brex's model is more complex. It offers the potential for significantly higher returns in specific, high-spend categories like software and rideshare, but it requires businesses to align their spending with these categories and meet the 'Exclusive' status requirements to realize those benefits. A flat-rate card may be more advantageous for businesses with diversified spending that does not concentrate in Brex's bonus categories.