BILL Spend & Expense vs. Brex

Last verified 32 days ago · 16 sources · Updated automatically

BILL Spend & Expense and Brex compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

BILL Spend & Expense

Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.

HQ San Jose, CA

Visit BILL Spend & Expense Full profile

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

Founded2017

HQ San Francisco, CA

Visit Brex Full profile

Attribute

BILL Spend & Expense

Brex

Company facts

Headquarters

San Jose, CA BILL Holdings headquarters.

San Francisco, CA

Employees

3.4k BILL Holdings total headcount (~3,350, mid-2026).

1.1k

Pricing

Starting Monthly Price (USD)

$0 Free software; no subscription or per-user fees. Revenue via interchange.

$0 Essentials plan, free

Paid Tier Price (USD/user/mo)

—

$12 Premium plan

Card & limits

Card Type

charge card Pay-in-full charge card, no revolving balance/APR.

charge card Paid in full, no interest

Card Network

Visa BILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).

Mastercard World Elite Mastercard

No Personal Guarantee

Underwritten on business financial health, not a personal guarantee.

Yes

Limit Basis

cash balance & revenue Credit line based on business financial health; $1,000-$5M range.

cash balance & revenue

Virtual Cards

Unlimited physical and virtual cards with per-card limits/rules.

Yes

No Foreign Transaction Fees

Foreign currency / cross-border fees may apply on international spend.

Yes

Rewards & cash back

Rewards Model

tiered points Points multipliers by category and payment frequency (up to 7x dining, 5x hotels, 2x software); redeemable for cash back.

tiered points Up to 7x points by category

Spend management

Receipt Capture & Matching

Snap/text receipts; AI auto-matches them to transactions.

Yes

Approval Workflows & Policies

Custom budgets, assigned card limits, and automated approval workflows.

Yes

Employee Reimbursements

Out-of-pocket employee reimbursements built in.

Yes

Bill Pay / AP

Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.

Yes

Security & compliance

SOC 2

Annual SOC 2 Type II audit (also SOC 1).

SOC 2 Type II

SSO (SAML)

—

Advanced SSO on Premium+

SCIM Provisioning

—

Via Microsoft Entra & Okta

Platform & integrations

Accounting / ERP Sync

Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.

QuickBooks, Xero, NetSuite, Sage Intacct

Public API

API listed among platform features; public developer-doc URL not separately verified.

Public REST API

The verdict

BILL Spend & Expense

Best for free, all-domestic spend management

BILL stays free with no paid tier, where Brex gates advanced features behind a $12/user/mo Premium plan. Both run charge cards with no personal guarantee, tiered points, receipt capture, and accounting sync. The trade-offs: BILL charges foreign transaction fees and has no built-in bill pay, both of which Brex covers.

Full profile

Brex

Best for international spend and bundled AP

Brex charges no foreign transaction fees (BILL does) and folds bill pay / AP into the platform, which BILL keeps as a separate product. It also adds SSO (SAML) and SCIM provisioning that BILL's facts don't list, fitting enterprise IT. The cost: advanced features sit on a $12/user/mo Premium plan, where BILL is fully free.

Full profile

Sources · 16 verified references

investor.bill.com en.wikipedia.org pitchbook.com bill.com brex.com developer.brex.com

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