Brex
AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
Overview
Brex is a corporate spend platform built around a Mastercard charge card, paired with bill pay/AP, expense management, employee reimbursements, and banking. Balances are paid in full each cycle rather than carrying interest, and the card requires no personal guarantee. Card limits are set on a company's cash balance and revenue rather than a personal credit check.
The platform is positioned for finance teams that want spend controls and accounting close handled in one place. It includes receipt capture and matching, approval workflows and policies, and accounting/ERP sync to QuickBooks, Xero, NetSuite, and Sage Intacct. Virtual cards, no foreign transaction fees, and a tiered points rewards model (up to 7x by category) round out the card itself.
Brex offers a free Essentials plan at $0/month, with a paid Premium tier at $12/user/month. Security and admin coverage includes SOC 2 Type II, SAML SSO (advanced SSO on Premium and above), SCIM provisioning via Microsoft Entra and Okta, and a public REST API.
Best for
- Companies that want a corporate card without a personal guarantee, with limits underwritten on cash balance and revenue instead of personal credit.
- Finance teams consolidating cards, bill pay/AP, reimbursements, and expense management on one platform.
- Teams that need their card spend to flow into their accounting system, with sync to QuickBooks, Xero, NetSuite, and Sage Intacct.
- Buyers starting on a free plan, with a defined upgrade path to a $12/user/month paid tier.
- Organizations with SSO/SCIM and compliance requirements, served by SOC 2 Type II, SAML SSO, SCIM via Entra and Okta, and a public REST API.
Less ideal for
- Buyers needing a revolving credit line, since this is a charge card paid in full each cycle with no interest-bearing balance.
- Companies that require Visa or Amex acceptance, as the card runs on the Mastercard network only.
- Early-stage or pre-revenue companies, because card limits are based on cash balance and revenue.
- Buyers who want advanced SSO without paying, since advanced SSO is gated to the Premium tier and above.
Pricing
Card & limits
Rewards & cash back
Spend management
Security & compliance
Platform & integrations
Compare Brex
Alternatives to Brex
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View profile American Express The incumbent business-card issuer — established Membership Rewards and premium perks across a broad charge and credit lineup.
View profile BILL Spend & Expense Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
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