Brex: How I earned 20K for depositing sales revenue

UPDATE 2/24/21: Multiple people (including our own Nick Reyes) have confirmed that simply adding your Brex Cash bank account to your PayPal wallet (even with a consumer PayPal account) is enough to trigger the 20K bonus.  This works because when validating the account PayPal sends two trial deposits to Brex.

If you own a business that is registered in the U.S. as a LLC, LLP, C-corp, or S-corp, I think you’d be nuts to ignore the Brex Cash offer: 110K transferable points without a credit inquiry.  Brex Cash is like a business checking account, but it’s not really a checking account.  And it comes with a Brex card that’s like a debit card, but it’s not really a debit card.  The account is 100% free and doesn’t lead to a credit inquiry.  Here are the details of the signup offer:

  • 80,000 point bonus for signing up through One Mile at a Time and spending $1,000 on your new Brex card.
  • 10,000 additional points after spending $3,000 on your Brex Card in the first 3 months.
  • 20,000 bonus points when you deposit sales revenue or link payroll to your Brex Cash account.

The first two points above seem simple enough.  Use your Brex card to make enough purchases and you should qualify.  Personally, I’ve completed $3,000 spend, but haven’t received either the 80K or 10K bonus yet, but I’m not worried.  I’m sure it will come through eventually.

The third component of the offer is the most confusing.  Earn 20K bonus points when you “deposit sales revenue or link payroll to your Brex Cash account.”  What does that mean?  How would Brex know if a deposit came from sales revenue?  What does it mean to “link payroll”?  I don’t know the answers to these questions, but I do know what I did to earn the 20,000 points.  I simply moved some money from my Paypal account to my Brex account and bam!  There it was…

Here is what Brex’s website says about how to qualify for the 20K bonus:

Deposit sales revenue or run payroll with Brex Cash to earn 20,000 points.

Payroll providers: ADP, Deel, Extensis, Gusto, Insperity, Intuit Payroll, Justworks, Paychex, Paylocity, Rippling, Sure Payroll, TriNet, WageWorks, Workday, Your People.

Ecommerce platforms or payment gateways: Amazon, BigCommerce, Braintree, PayPal, Shopify, Square, Stripe, Venmo, Wix, Xoom.

Brex reserves the right to modify the list of eligible platforms at any time.

As you can see above, there seem to be quite a few ways to make this happen.  In this post, I’ll detail exactly how I did it…

Step 1: I moved some money into my Paypal account

I have a business Paypal account that I use for some business transactions.  It didn’t currently have any money in it, so I moved $250 from another account so that I’d have money to move into Brex.

I doubt it is necessary to use a business Paypal account for this purpose, but I don’t know for sure whether a personal account would workUpdate: Readers have confirmed that a business Paypal account isn’t necessary. A personal Paypal account will work the same way as described here.

Step 2: I found my Brex bank, routing number, and account number

After logging into my Brex account, I clicked “Cash” from the leftmost menu and then under Account Details, I clicked “View details”.  That brought me to a pop-up that showed my Brex routing number, account number, and bank name (Radius Bank).

Step 3: I added my Brex account to my Paypal wallet

Within Paypal, I found the option to link bank accounts and I added my Brex account.  I entered my routing number and account number and select my business for the Account name.

Paypal wasn’t able to link the accounts automatically, so I let it send two test deposits in order to verify the account.

Step 4: Verify account

After a few days, I logged into Brex to see if the test deposits were there.  I looked under Cash… Transactions (these deposits won’t show up as credit card transactions).  Sure enough, I found two small deposits and one withdrawal from PayPal.

I then logged back into PayPal, and verified my Brex account with the amounts from the two test deposits.

Step 5: Push money to Brex

Update: This last step isn’t necessary!  Multiple people have confirmed that the act of PayPal sending trial deposits when verifying the account (as described above) is enough to trigger the 20K bonus.

Finally, from PayPal, I selected Transfer Money and I moved the $250 to Brex using the fee-free ACH option.  A day later, the money appeared in my Brex Cash account.  Two days after that I received an email from Brex congratulating me for earning 20,000 bonus points!


I’m sure there are many ways to earn the 20K Brex bonus.  Above I’ve described in detail the way I did it.  It turned out that simply pushing money to Brex from PayPal was enough to trigger the bonus.

See also: Brex Bonus: 110K transferable points without a credit inquiry

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