Information only. This site is a reference project. We do not provide account access, financial services, card applications, payments, credit decisions or official support, and we never ask for account or financial credentials.
Who runs this site
A small editorial group researches and writes these pages. Four contributors are listed by name and research focus on the authors page, and every page carries the contributor responsible for it.
We describe research responsibilities only. We do not claim professional certifications, employers, years of experience or industry affiliations, because none of those would be verifiable to you and none of them are needed to explain how a card program is structured. What we do claim is that each page is written from public documentation and general industry practice, reviewed against a written checklist, and corrected when a reader shows us it is wrong.
Why the project exists
Business card terminology is genuinely confusing. "Corporate card", "business credit card", "charge card", "virtual card" and "employee card" overlap, are used interchangeably in marketing, and describe meaningfully different structures underneath — different liability, different settlement, different administration. Someone searching for a brex card or a brex business credit card is usually trying to resolve exactly that confusion.
Almost all the material available to answer them is written by parties who benefit from a particular answer. That does not make it dishonest, but it does make it hard to read neutrally. This project takes the other position: explain the categories and the mechanics, name no winner, and hand the reader back to the provider for anything commercial.
- Define each search term and the intent behind it, rather than treating the brand as a product
- Explain card structures — liability, settlement, issuance — before discussing features
- Describe how controls behave at authorisation, not just what they are called
- Follow a transaction all the way through to a reconciled accounting entry
- Provide criteria for a decision instead of making the decision for the reader
What the site covers, and what it does not
In scope
- Card categories and the vocabulary attached to them
- Program structure: issuance, roles, limits, offboarding
- Spending controls, budgets and category rules
- Receipt, approval and reconciliation workflows
- Neutral, criteria-based comparison frameworks
Out of scope, deliberately
- Fees, rates, rewards values, credit limits and eligibility rules
- Approval odds, underwriting outcomes or credit assessment
- Named providers’ commercial terms or contract wording
- Ratings, rankings, awards, testimonials or review scores
- Tax, legal, accounting or investment advice of any kind
The exclusions are not gaps we intend to fill later. Provider terms change without notice, vary by jurisdiction and by applicant, and are the kind of information that should only ever be read from the source. Reproducing them here would make this site stale and misleading in the same week it was published. The methodology explains how that line is drawn while a page is being written.
How it is funded
This is a non-commercial reference project. There is no advertising, no affiliate linking, no sponsored placement, no paid inclusion, no lead generation and no commercial relationship with any card provider or comparison marketplace. Nothing on the site is monetised, and no page is written or edited because a third party asked for it.
That matters mainly because of what it removes. There is no revenue attached to any recommendation, so there is no reason to write one. Every outbound suggestion on this site points to another page here or tells the reader to go to the provider directly. If that ever changed, the change would be disclosed on this page and in the editorial policy before any affected content was published.
- No advertising
- No ad slots, ad networks or promotional units appear on any page.
- No affiliate links
- No link on this site carries tracking, referral or commission parameters.
- No sponsored content
- No page, section or paragraph has been paid for, suggested or reviewed by a third party.
- No provider relationship
- We hold no partnership, agency, reseller or endorsement arrangement with any issuer.
How the site is structured
Content is organised into seven clusters. Each has a hub page that defines the cluster and lists its members, and each page inside links back to that hub, sideways to its siblings and outwards to the guides and comparisons that expand on it.
| Cluster | What it explains | Hub |
|---|---|---|
| Cards | Card categories, brand-led search terms, virtual and employee cards | Cards |
| Spend management | Limits, budgets, category rules, employee spending policy | Spend management |
| Expense management | Documentation, coding, automation and reconciliation | Expense management |
| Solutions | The same mechanics viewed by company stage and finance maturity | Solutions |
| Comparisons | Structural differences between card types, criteria-based | Comparisons |
| Guides | Long-form explainers on cards, controls and corporate finance | Guides |
| Company reference | What company-level queries are asking and how to research them | Company |
Alongside those sits this editorial section, which documents the process rather than the subject: the editorial policy, the methodology, the fact-checking and corrections process, the contributors and the legal statements. If you are assessing whether this site is worth trusting, those five pages are the ones to read.
FAQ
Frequently asked questions
Are you Brex, or connected to Brex in any way?
No. This is an independent project with no affiliation, endorsement, sponsorship or operating relationship with Brex or any other provider. Brand names are used only to identify the subject people are researching, and trademarks remain the property of their owners.
Can you tell me my card’s fees, limit or whether I would be approved?
No, and we would be guessing if we tried. Pricing, credit limits, eligibility and approval decisions are provider-specific, change over time and depend on the applicant. We explain what those terms mean structurally so that the provider’s own documentation becomes readable.
Do you accept guest posts, sponsored articles or link insertions?
No. We do not publish third-party contributions, sponsored placements or paid links, and we do not add outbound links on request. Suggestions for topics are welcome by email via the contact page, but they are treated as suggestions only.
Where should I start reading?
If you are researching a card category, start at the cards hub. If you already know the category and want the operational side, start at spend management. If you are choosing between structures, the comparisons hub sets out the criteria.