[hdubugras]

Great question!

1.) 7x on rideshare is a lot but if you think about the portfolio of spend for a company, most of it is not on rideshare. Since our offering is superior, people usually put all of their spend on Brex, which helps us make up for the amount of money we're giving away on ride share. We also get back discounts from vendors. In general though, we believe in providing the most value to customers, so we're ok with giving away more rewards than the other corporate cards out there.

2.) The personal credit card space is interesting, but our mission for now is to accelerate entrepreneurs, which means we're focusing on building the best possible financial products for businesses. The market for this is huge, so we still have a long ways to go