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The Brex Card for Ecommerce is among a suite of the company’s $0-annual-fee business cards — and like its Brex brethren, it offers some intriguing benefits.

For starters, it doesn’t require a personal guarantee or a credit check. Brex underwrites using other factors, including cash flow and funding, to determine eligibility.

But this card also has some features that set it apart from, say, the Brex Card for Startups.

Here are five things to know about the Brex Card for Ecommerce.

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1. It’s only for online businesses

If you have a business that’s brick-and-mortar-based with a side helping of online sales, this is not the card for you. As the name implies, the Brex Card for Ecommerce was designed exclusively for companies that sell things online. And not just an item on eBay here and a piece of something on OfferUp there. In fact, if you’re a one-person operation, you’re not eligible for the Brex Card for Ecommerce. To be qualified to apply for the card, your company must make a minimum of $100,000 in monthly sales and have at least a year in business.

» MORE: How to pick a business credit card in five simple steps

2. There’s a longer-than-usual billing period

The Brex Card for Ecommerce is a charge card, meaning that unlike with a credit card, you must pay in full every billing cycle and can’t carry a revolving balance. But the card offers an extra-lengthy billing period of 60 days after each day of spend. So for a purchase you make today with the card, you’ll have to pay your statement for that charge in 60 days. If you made a purchase yesterday, that would be due 59 days from now. Normally, a charge card has a static monthly billing cycle and all charges are due at the cycle’s closing date, not a rolling series of due dates tied to the date of each purchase.

» MORE: NerdWallet’s best low interest and 0% APR cards

3. You won’t get ongoing rewards

The Brex Card for Ecommerce does come with a sweet introductory offer: 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value). But that’s typically the only time you’ll earn rewards. The main event here is that 60-day window to pay your bill. If it’s a pile of points you’re after in exchange for your spending, the Brex Card for Startups might be more your speed.

You will, however, get a raft of discounts on products and services business owners may find useful, including WeWork, Zoom, Expensify, Shippo, Amazon Web Services and Google Ads.

4. Your credit limit is based on your revenue

Most business credit cards offer credit limits based on your credit history, and if you’re looking to increase that limit, you typically have to request it from the issuing bank. The Brex Card for Ecommerce, however, offers dynamic credit limits based on your company’s revenue. Cardholders will get a credit limit ranging from 50% to 100% of projected monthly sales, up to a cap of $5 million. This can be a huge boon in maintaining cash flow, inventory, and other spending needs.

5. You can get instant approval

If you meet the aforementioned criteria of having at least $100,000 in monthly sales and at least one year in business, then applying online and getting an approval should take just a few minutes. After that, you can create virtual cards for online purchases right away, with your physical card to follow a few days later in the mail.

This is not a feature commonly found on credit cards, especially business cards, and it’s ideal if you don’t want to wait for your card to arrive in your mailbox before you can use it.

» MORE: Credit cards you can use instantly upon approval

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