Corporate cards and spend management for startups
Visit WebsiteReviews onG2Capterra
1647 reviews trackedThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
No personal guarantee required for cards
Biggest con
Primarily designed for funded startups (may reject bootstrapped companies)
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
4.7/5 across review platforms
What is Brex?
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.
Available on: Web
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
Ratings Across the Web
4.7(1,647 reviews)
Ratings aggregated from independent review platforms. Learn more
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
Pricing checked Jul 5, 2026
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
Reviews
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4.7/5
Across 1,647 verified user reviews on G2, Capterra
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Brex FAQ
How does Brex support startups with their corporate card needs?
Brex provides corporate cards specifically designed for startups and tech companies, eliminating the need for a personal guarantee. It offers a rewards program tailored to categories where startups typically spend, along with real-time visibility and spending controls.
Which teams benefit most from using Brex?
Teams within funded startups and tech companies will find Brex most beneficial due to its design for their specific operational needs. It's particularly useful for finance, operations, and leadership teams seeking integrated spend management and corporate cards.
How is Brex's pricing structured?
Brex offers a free tier for basic usage and features. More advanced features and increased usage are available through paid plans, with a premium plan costing $12 per user per month.
What kind of limitations should potential users be aware of when considering Brex?
Brex is primarily designed for funded startups, meaning bootstrapped companies might face challenges with approval. Its credit limits are based on a company's cash balance rather than revenue, and some advanced features are reserved for higher-tier plans.
How does Brex compare to Ramp for expense management?
Brex, like Ramp, offers corporate cards and spend management, but Brex distinguishes itself by not requiring a personal guarantee and providing global coverage in over 120 countries. Brex also focuses its rewards program on spending categories relevant to startups.
Can Brex integrate with existing accounting systems?
Yes, Brex offers excellent integrations with various accounting software. This allows for seamless connection of its expense management, bill pay, and corporate card data with a company's existing financial systems.
How does Brex help manage employee spending and expenses?
Brex provides an all-in-one platform that includes corporate cards, expense management, and real-time visibility into spending. It incorporates controls to prevent violations of expense policies and streamlines the bill pay and travel booking processes.
Source: brex.com