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TL;DR - Brex
- All-in-one corporate cards, banking, and expense management
- No personal guarantee required - great for startups
- Available in 120+ countries with modern integrations
Pricing: Free plan available
Best for: Growing teams
Score: 84/100
Pros & Cons
Pros
- No personal guarantee required for cards
- All-in-one platform (cards, banking, expenses, travel)
- Excellent integrations with accounting software
- Real-time visibility and spending controls
- Great rewards program for startups
- Fast approval process
- Global coverage in 120+ countries
- Modern, intuitive interface
Cons
- Primarily designed for funded startups (may reject bootstrapped companies)
- Premium plan at $12/user/month can add up for larger teams
- Not a bank (uses partner bank Column N.A.)
- Credit limits based on cash balance, not revenue
- Limited branch/in-person support
- Some features require higher-tier plans
Key Features
Corporate cards with no personal guaranteeReal-time expense managementBill pay and vendor paymentsTravel booking with negotiated ratesBanking and treasury servicesGlobal payments in 120+ countriesAccounting integrations (QuickBooks, NetSuite, Xero)Custom spending limits and controlsAutomated receipt matchingRewards program (points on spend)
Pricing Plans
Essentials
Free
Startups & growing companies
- Global card acceptance
- AI-powered custom rules
- Up to 2 entities
- Accounting integrations
- Travel booking
- Real-time reporting
- Brex API access
Most Popular
Premium
$12/user/month
Mid-sized companies
- Multiple expense policies
- Dynamic approval chains
- AI compliance detection
- Multi-entity support
- Custom ERP/HRIS integrations
- Live budgets
Enterprise
Custom
Global enterprises
- Unlimited entities
- Local card issuance worldwide
- Named account manager
- Admin center
- Custom implementation
About Brex
By Toolradar Team·
Brex provides corporate cards and spend management designed for startups and tech companies. No personal guarantee required. Rewards earn on categories startups actually spend on. Controls prevent expense policy violations.
The software handles expense management, bill pay, and travel booking. Real-time visibility shows where money goes. Integrations connect to accounting systems.
Startups tired of traditional corporate cards with personal liability choose Brex for modern financial tools built for how they operate.
How we evaluate tools →Source: brex.com
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Brex FAQ
Is Brex free?
Brex Essentials is free with basic features. Premium costs $12/user/month for advanced controls and integrations.
How much does Brex cost?
Brex Essentials is free, Premium costs $12/user/month, Enterprise has custom pricing for larger organizations.
What is Brex?
Brex is a corporate card and spend management platform for startups. Higher limits than traditional cards, no personal guarantee needed.
Does Brex require a personal guarantee?
No, Brex cards don't require personal guarantees. Limits are based on company financials, not personal credit.
What rewards does Brex offer?
Brex offers points redeemable for travel, gift cards, and cash back. Bonus points on software, travel, and restaurants.
Does Brex have expense management?
Yes, Brex includes expense management, receipt capture, and approval workflows. Control spending with budgets and policies.
How does Brex compare to traditional corporate cards?
Brex offers higher limits, better rewards, and no personal guarantee. Traditional cards have lower limits but broader acceptance. Brex for startups; traditional for established companies.
Source: brex.com