Finance & Spend
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Corporate Cards · Vendor profile
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Brex

AI-powered spend platform combining corporate cards, bill pay, expense management and business banking for venture-backed and scaling companies.

Founded 2017· San Francisco, CA· ~1,200 employees· brex.com ↗
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Last verified 2 days ago · 19 sources · Updated automatically
Total funding
$1.5B
Across 9 rounds
Latest valuation
$12.3B
Series D-2, 2022
Pricing from
$0 / Essentials
Premium $12/user/mo
Rewards
Up to 8×
Points on category spend
Personal guarantee
None
Limit on cash & revenue
Compliance
SOC 2
+ PCI DSS, ISO 27001

Overview

Brex launched in 2017 as a corporate card for startups that couldn't qualify for traditional business credit, underwriting limits on a company's cash balance and revenue rather than a founder's personal credit — and with no personal guarantee. It has since expanded into a full spend platform spanning cards, reimbursements, bill pay, travel and business accounts.

Today Brex targets venture-backed and scaling companies that want one system as they grow. Its strengths are high limits, a rich points program with up to 8× on common startup spend, global cards in 40+ currencies, and a deep integration ecosystem. Smaller teams that only need simple flat cash back may find lighter-weight tools a better fit.

Best for
  • Venture-backed startups scaling headcount fast
  • Teams that want cards, bill pay & banking in one platform
  • Companies with heavy software, travel & ad spend
Less ideal for
  • Tiny teams wanting only simple flat cash back
  • Businesses that need a true revolving credit line
  • Companies below Brex's minimum cash thresholds

Pricing

Essentials
$0 / month
Cards, expense tracking and bill pay for early-stage teams.
  • Unlimited virtual & physical cards
  • Receipt capture & basic controls
  • QuickBooks, Xero & NetSuite sync
Most popular
Premium
$12 / user / mo
Advanced policies, approvals and reporting for finance teams.
  • Everything in Essentials
  • Custom approval workflows & policies
  • SSO, SAML & priority support
Enterprise
Custom
Global controls, ERP depth and dedicated support at scale.
  • Everything in Premium
  • Multi-entity & global cards
  • Dedicated account team

Card features

Card type
Corporate charge card
Personal guarantee
None required
Limit basis
Cash balance & monthly revenue
Repayment terms
Daily, weekly, monthly or up to Net 60
Physical & virtual cards
Unlimited, both
International / FX cards
40+ currencies, no FX fee

Rewards & cash back

Rewards model
Brex points (transferable to travel partners)
Earn rates
Up to 8× rideshare · 5× travel · 4× dining · 3× SaaS · 1× other
Points expiration
No expiration
Partner perks
$200k+ in startup credits (AWS, Google Cloud, more)

Security & compliance

Certifications
SOC 2 Type II PCI DSS L1 ISO 27001
SSO & SAML
SAML 2.0 (Premium+)
SCIM provisioning
Supported
Data residency
United States

Integrations

Native accounting sync plus 1,000+ apps via the marketplace and an open REST API.

NetSuite QuickBooks Xero Sage Intacct Slack Gusto Rippling Workday REST API

Alternatives to Brex

R Ramp

Flat 1.5% cash back and stronger automation — the usual head-to-head with Brex on cost control.

Compare with Brex
M Mercury

Banking-first with the IO card on your balance — simplest if you already bank with Mercury.

Compare with Brex
A American Express

Established Membership Rewards and premium perks, but with personal-guarantee options.

Compare with Brex

Sources · 19 verified references

brex.com/pricing brex.com/legal/security brex.com/rewards SEC / press releases + 15 more

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