Brex vs Oxygen: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Brex and Oxygen side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Brex leads on a free plan; Oxygen leads on higher user rating. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Brex
Corporate cards and spend management for startups
Best for you if:
- • You want a free tier before you commit
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
| At a Glance | Brex | Oxygen |
|---|---|---|
Starts at | Free plan, paid from $12/user/mo, billed monthly Premium plan | Not published |
Category | Finance Expense Management | Finance Accounting |
Rating | 3.6/5 G2 4.8 · Trustpilot 1.6 · Capterra 4.5 2,343 reviews | 4.4/5 Capterra 4.5 · G2 4.3 102 reviews |
Free plan | Yes | No |
Watch out for | Smart Card program may have specific procurement requirements. | n/a |
Choose Brex or Oxygen?
Choose Brex if
- You want a free tier before you commit
Choose Oxygen if
- You need finance features specifically.
In-Depth Analysis
Brex
Corporate cards and spend management for startups
Brex's pricing is quite generous for startups and growing companies with its free Essentials tier, offering robust features without a per-user fee.
Watch out
Smart Card program may have specific procurement requirements.
Strengths
- Pro: No personal guarantee required for cards
- Pro: All-in-one platform (cards, banking, expenses, travel)
- Pro: Excellent integrations with accounting software
- Pro: Real-time visibility and spending controls
- Pro: Great rewards program for startups
Weaknesses
- Con: Primarily designed for funded startups (may reject bootstrapped companies)
- Con: Premium plan at $12/user/month can add up for larger teams
- Con: Not a bank (uses partner bank Column N.A.)
- Con: Credit limits based on cash balance, not revenue
- Con: Limited branch/in-person support
Key features
Oxygen
Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
Strengths
- Pro: Historically served a large user base (250K+ monthly active users)
- Pro: Supported significant card swipe revenue ($550k/month)
- Pro: Backed by a proven leadership team and significant investment ($20M round)
Weaknesses
- Con: Services are currently unavailable
- Con: Specific future initiatives are not yet detailed
Key features
Plans and prices: Brex vs Oxygen
| Tool | Plans and prices | Source |
|---|---|---|
| Brex |
| brex.com/pricing read Nov 8, 2026 |
| Oxygen | No plan prices on file | oxygen.us |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Brex pricing and Oxygen pricing.
Key Takeaways
Brex
- Has a free plan
Oxygen
- Higher user rating: 4.4/5 vs 3.6/5
What the data shows
On the data below, Brex leads on a free plan; Oxygen leads on higher user rating. We do not name an overall winner for this pair.
- Oxygen has the higher user rating (3.6/5 from 2,343 reviews for Brex, 4.4/5 from 102 reviews for Oxygen).
- Brex starts at $12/user/mo, billed monthly; Oxygen has no public paid plan price on file.
- Only Brex has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Brex and Oxygen compare in 2026?
On the data below, Brex leads on a free plan; Oxygen leads on higher user rating. We do not name an overall winner for this pair. Oxygen has the higher user rating (3.6/5 from 2,343 reviews for Brex, 4.4/5 from 102 reviews for Oxygen). Brex starts at $12/user/mo, billed monthly; Oxygen has no public paid plan price on file. Only Brex has a free plan.
What are Brex and Oxygen used for?
Brex: Corporate cards and spend management for startups. Oxygen: Banking services for small businesses and entrepreneurs, currently undergoing new initiatives.
What does Brex cost vs Oxygen?
Brex's cheapest paid plan is Premium at $12/user/mo, billed monthly; it also has a free plan. Oxygen has no public paid-plan price on file. Prices read on the vendors' pricing pages, latest check Nov 8, 2026.
What's the main difference between Brex and Oxygen?
Brex's main strength: no personal guarantee required for cards. Oxygen's main strength: historically served a large user base (250K+ monthly active users).
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