Brex vs. Mercury

Last verified 32 days ago · 18 sources · Updated automatically

Brex and Mercury 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.

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

Mercury

Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.

Founded2017

HQ San Francisco, CA

Visit Mercury Full profile

Attribute

Brex

Mercury

Company facts

Headquarters

San Francisco, CA

Employees

1.1k

1k Mercury states 1,000+ employees

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

$0 Free Mercury plan; IO card has no annual fee and no per-user software charge

Paid Tier Price (USD/user/mo)

$12 Premium plan

$29.9 Mercury Plus, $29.90/mo (or $23.95/mo billed annually)

Card & limits

Card Type

charge card Paid in full, no interest

charge card Cash-underwritten charge card; balance paid off each pay period

Card Network

Mastercard World Elite Mastercard

Mastercard

No Personal Guarantee

Yes

No personal guarantee and no personal credit check

Limit Basis

cash balance & revenue

account balance Cash-underwritten: IO balance cannot exceed cash held with Mercury (linked external balances may add headroom)

Virtual Cards

Yes

Issue physical or virtual cards to the team; start spending immediately with virtual cards

No Foreign Transaction Fees

Yes

3% currency conversion fee on non-USD IO transactions

Rewards & cash back

Rewards Model

tiered points Up to 7x points by category

flat cash back Unlimited 1.5% cashback on all spend, auto-deposited

Flat Cash-Back Rate

—

1.5%

Spend management

Receipt Capture & Matching

Yes

Upload/email receipts and Mercury auto-matches them to the right transaction

Approval Workflows & Policies

Yes

Company-wide spend policies plus multi-layered approval rules for bill pay

Employee Reimbursements

Yes

Out-of-pocket reimbursements; 5 active users/mo free, more on paid tiers

Bill Pay / AP

Yes

Free unlimited bill pay via ACH, domestic/international wire, or check

Security & compliance

SOC 2

SOC 2 Type II

SSO (SAML)

Advanced SSO on Premium+

—

SCIM Provisioning

Via Microsoft Entra & Okta

—

Platform & integrations

Accounting / ERP Sync

QuickBooks, Xero, NetSuite, Sage Intacct

Native sync to QuickBooks, Xero, and NetSuite

Public API

Public REST API

Public REST API — balances, transactions, ACH transfers; plus Accounts Receivable/invoicing API

The verdict

Brex

Best for global spend, category rewards, and IT controls

Brex charges no foreign transaction fees, while Mercury adds 3% on non-USD spend. Its tiered points earn up to 7x by category versus Mercury's flat 1.5% cash back. The Premium tier runs $12/user/mo against Mercury's $29.90, and Brex adds SAML SSO and SCIM provisioning that the Mercury facts don't list.

Full profile

Mercury

Best for predictable flat cash back on every dollar

Mercury pays an unlimited flat 1.5% cash back on all spend, simpler than Brex's tiered points that only hit 7x in select categories. Its charge-card limit is cash-underwritten against the account balance, and bill pay via ACH, wire, or check is free and unlimited. The tradeoff: a 3% fee on non-USD transactions that Brex waives.

Full profile

Sources · 18 verified references

en.wikipedia.org mercury.com brex.com support.mercury.com developer.brex.com

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