Brex vs. Rho

Last verified 32 days ago · 18 sources · Updated automatically

Brex and Rho 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

Rho

All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.

Founded2018

HQ New York, NY

Visit Rho Full profile

Attribute

Brex

Rho

Company facts

Headquarters

San Francisco, CA

New York, NY 100 Crosby Street, New York, NY 10012

Employees

1.1k

345 Approx. 342-351 per third-party aggregators (2026)

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

$0 Free platform; $0 subscription and $0 per-user fees

Paid Tier Price (USD/user/mo)

$12 Premium plan

—

Card & limits

Card Type

charge card Paid in full, no interest

charge card Charge card by default — each day's spend is auto-debited from the linked Rho checking account; optional monthly credit terms available

Card Network

Mastercard World Elite Mastercard

Mastercard Issued by Webster Bank N.A. on Mastercard

No Personal Guarantee

Yes

No personal guarantee, personal credit check, or personal credit score pull

Limit Basis

cash balance & revenue

cash balance & revenue Underwritten on revenue growth, spending patterns, and balance sheet liquidity

Virtual Cards

Yes

Spin up a virtual card in seconds; physical cards also available

No Foreign Transaction Fees

Yes

1% foreign currency conversion fee on card spend abroad

Rewards & cash back

Rewards Model

tiered points Up to 7x points by category

flat cash back Up to 1.5% cash back on all spend; no tiers, no categories

Flat Cash-Back Rate

—

1.5% Up to 1.5% on qualifying spend, paid as statement credit

Spend management

Receipt Capture & Matching

Yes

Receipt upload + Gmail connector auto-finds receipts; auto-coded and matched

Approval Workflows & Policies

Yes

Approval rules by amount or team; off-policy spend flagged at point of use

Employee Reimbursements

Yes

Out-of-pocket reimbursements incl. mileage; paid from Rho checking (US bank accounts only)

Bill Pay / AP

Yes

AP/bill pay via ACH, check, wire, card with approval routing; zero fees

Security & compliance

SOC 2

SOC 2 Type II

SOC 2 Type II (report available via Trust Center)

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, NetSuite, Sage Intacct (real-time)

Public API

Public REST API

—

The verdict

Brex

Best for international spend and IT-managed access

Brex charges no foreign transaction fees, while Rho adds a 1% FX fee, so it costs less on spend abroad. It also lists SSO (SAML), SCIM provisioning, and a public REST API, none of which appear in Rho's feature set. Rewards are tiered points (up to 7x by category) rather than flat cash back. The trade-off: advanced features sit on a $12/user/mo Premium plan.

Full profile

Rho

Best for a fully free card with simple flat cash back

Rho is free end to end: $0 subscription and $0 per-user fees, with no paid tier, where Brex gates advanced features behind a $12/user/mo Premium plan. Rewards are a flat 1.5% cash back on all spend, with no tiers or categories to track. The trade-offs: a 1% foreign currency fee versus Brex's fee-free FX, and no listed SSO/SCIM or public API.

Full profile

Sources · 18 verified references

en.wikipedia.org rho.co pitchbook.com brex.com trust.rho.co developer.brex.com

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