PayRewards vs. Brex: 2026 comparison guide
Brex points come from Brex card spend. PayRewards Points stack on the card you already carry, and redeem for travel, gift cards, invoices and everything in between.
- No setup fees
- No monthly or annual subscription fees
- No lock-in
Top 3 reasons to choose PayRewards over Brex
Keep your card, keep its points
Earn PayRewards Points on top of your Amex, Chase or airline card. Brex points only come from Brex card spend.
Points on bank payments
Brex ACH, wire and check payments don’t earn points. On PayRewards, ACH-funded bills earn 1 or 2 points per $1.
1:1 airline transfers
PayRewards Points transfer 1:1 to airline partners. Brex points typically transfer at 1,500 to 1,000.
PayRewards vs. Brex, feature by feature
Brex rewards its own card. PayRewards rewards every bill you pay.
| Feature | PayRewards | Brex |
|---|---|---|
| Subscription | FreeEvery user and feature included | Premium $12 per user/month |
| Rewards and redemptions | ||
| Points on bills paid with your own card | Yes1 or 2 points per $1 | Brex card spend only |
| Earn points on ACH-funded bills | Yes | No |
| Airline transfer ratio | 1:1 | 1,500 to 1,000 |
| Redeem points to pay vendor invoices | Yes | Statement credit at 0.6¢ per point |
| Gift cards | Yes100+ brands | Credit card onlySingle earn |
| Points expiry | 18 months with no earning activity | None while your account is openLost if the account closes |
| Eligibility | ||
| Who can sign up | Any US business with an EIN | Equity-backed or revenue thresholds$50,000 cash balance for monthly payment if funded |
| Card terms | Your own card’s terms | Charge card, paid in full |
| Bill pay | ||
| Pay vendors who don’t take cards by card | Yes | Card bill payments need a vendor that accepts Mastercard |
| ACH, check and wire delivery | ACH included; $5 check; $16 wire | No fee |
| Integrations | ||
| QuickBooks Online | Yes | Yes |
| Security | ||
| PCI DSS compliant | Yes | Yes |
| Multi-factor authentication | YesPlus passkeys | Yes |
As of September 29, 2026. Sources: Brex pricing, Earning Brex points, Redeeming Brex points, Brex account requirements, Cost of Brex services, Brex bill pay. PayRewards: PayRewards pricing.
See what your bills could earn on top
Same bills. Same card. See how many more points land with PayRewards.
Your PayRewards tier
Core earns 1 point per $1 with a 1.75% fee. Plus earns 2 points per $1 with a 3.25% fee.
Extra points with PayRewards, first year
240,000
on top of the points your card already earns
Bills paid in a year$120,000
Paying through PayRewards: card points plus PayRewards Points360,000 pts
Assumes your card earns 1 point per $1.
Illustrative only. Not financial or tax advice. Card payments on PayRewards carry a 2.9% service fee. The PayRewards fee applies on top when you earn PayRewards Points.
Where your points go
Pay bills. Earn and transfer points to whatever moves you.
The same money you were spending anyway, now redeemable across travel, your team, and the business itself.
Your card's miles
Keep earning airline miles
Pay bills that don't take cards on the card you carry, and keep earning miles with Delta, United and American.
100+ brands
Buy gift cards from the best brands
Shop Amazon, Apple, Target and hundreds of brands, with every point worth its full face value at checkout.
Luxury redemptions
Experiences money can't buy
Work with our concierge team on whatever you want, then redeem for the experiences that money can't buy.
Instant transfers
Transfer points to employees as a reward
Recognize your team the very moment it matters, sending points to any employee instantly and directly.
Invoice redemptions
Pay an invoice with points
Put your points straight back into the business, applying them against your very next invoice or bill.
Transfer PayRewards Points to our airline and hotel partners
With direct transfers, it's easy to fly on PayRewards Points — including U.S. domestic routes.
“PayRewards solved a lot of things for us - cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our Vendors are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”
Three steps to your payback
-
Make a payment
Add a bill or import it from QuickBooks Online. Pay by card or ACH. Your vendor gets ACH, wire or check.
-
Boost your points
Pick Core or Plus on each payment. Your card earns its points and PayRewards Points land on top.
-
Redeem
Flights, gift cards, invoices, custom redemptions, or points for your team.
What it costs
No subscription and no funding requirement. The points are optional on card, and every ACH payment earns them.
See full pricing →Service fee
Card payments
Visa, Mastercard and American Express
2.9%
per transaction
Points tier
Core
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 point per $1
POPULAR
Points tier
Plus
Maximize your rewards earnings
3.25%
fee per transaction
2 points per $1
Card payments can skip points and pay 2.9% only. ACH payments carry no service fee and always earn Core or Plus. Fees as of September 29, 2026.
PayRewards vs. Brex: your questions
How do PayRewards Points compare to Brex points?
PayRewards Points earn 1 or 2 per $1 on vendor bills paid by card or ACH, on top of your card’s own points, and transfer 1:1 to airline partners. Brex points earn on Brex card spend only, and typically transfer at 1,500 points to 1,000 miles.
What can I redeem PayRewards Points for?
Transfer to airline partners, pay your next vendor invoice with points, claim from 100+ gift cards, or request a custom redemption, from tech and golf clubs to a Rolex. You can also gift points to your team.
Do I need to be venture-backed?
No. An active US business with an EIN is all it takes. There’s no funding requirement and no minimum cash balance.
Can I keep Brex for employee cards and use PayRewards for bills?
Yes. Keep Brex for employee spend and run vendor bills through PayRewards.
Does the Capital One acquisition affect my Brex rewards?
Capital One completed its acquisition of Brex on April 7, 2026. For questions about your Brex rewards, contact Brex.
How do PayRewards fees work?
No monthly or annual subscription fees. Card payments carry a 2.9% service fee, plus an optional rewards fee of 1.75% (Core, 1 point per $1) or 3.25% (Plus, 2 points per $1). ACH-funded payments carry the Core or Plus rewards fee and earn points on every dollar. Check delivery is $5 and domestic wire delivery is $16.
Is PayRewards secure?
PayRewards is PCI DSS compliant, with infrastructure aligned to ISO/IEC 27001 standards. Accounts are protected by MFA and passkeys, card numbers are tokenized and never stored, and suspicious activity is flagged instantly.
Competitor information is based on publicly available sources as of September 29, 2026 and may change. PayRewards Points are earned and redeemed subject to the PayRewards Terms. Card fees may be tax deductible; consult your tax advisor. PayRewards is offered by PayRewards LLC.
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