Corporate cards and spend management for startups
Visit WebsiteTL;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
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
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
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.
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Brex FAQ
How does Brex facilitate financial operations for companies operating in multiple countries?
Brex supports financial operations in over 120 countries, offering features like global card acceptance, local-currency cards in 50+ countries, and multi-entity support. This allows businesses to manage spending, expenses, and accounting across various international subsidiaries within a single platform.
What specific AI-powered features does Brex offer to streamline expense management and accounting?
Brex utilizes AI to automate approvals and expense reports, provide AI-generated suggestions for accounting, and facilitate automated invoice entry and payment. It also offers AI-powered compliance audit detection and insights, and automates GL coding by entity globally.
Can Brex corporate cards be customized with specific spending controls for different use cases?
Yes, Brex corporate cards offer extensive customization for spending controls. Businesses can issue vendor-specific cards with per-transaction limits, create T&E cards with automated controls for policy compliance, and set up benefits cards with embedded policies for recurring or one-time stipends.
What are the key differences between the 'Essentials' and 'Premium' pricing plans for Brex?
The 'Essentials' plan, designed for startups, includes global card acceptance, AI-powered custom rules, and up to two entities. The 'Premium' plan, for mid-sized companies, builds on this with multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, and advanced approvals with dynamic Spend Limit approval chains.
How does Brex help businesses maximize their spending power and safeguard capital?
Brex helps maximize spending power by offering up to 3.70% on cash, fast global payments, and up to 30x higher credit limits. It also safeguards capital with up to $6M in additional FDIC insurance through its program banks.
Source: brex.com