From what I understand: You have $100 You get $15 in credit You then spent $7 that month Brex takes $7 from your bank account to pay itself You have $93 at

From what I understand: You have $100 You get $15 in credit You then spent $7 that month Brex takes $7 from your bank account to pay itself You have $93 at the end of the month Your credit line is now ~$14 So it's not too dissimilar from a credit card card, but it's also basically a prepaid debit card and they go out of their way to hide that.