Brex Review
Corporate cards, expense management, and bill pay built for high-growth companies
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Looking for a Brex alternative? See our ranked comparison.→What is Brex?
Brex is a corporate card and spend management platform. It combines card issuing, expense management, bill pay, and travel booking in one product. It targets venture-backed startups and mid-market companies, not traditional SMBs, and it underwrites based on company cash and financials rather than personal credit or deposits.
In April 2026, Capital One completed its acquisition of Brex for $5.15 billion. Brex now operates as part of Capital One, not as an independent fintech. Since then its roadmap has focused on AI-native accounting: an Accounting API that enforces rules at the point of transaction, integrations with AI-native ERPs like Rillet and Campfire, and a ChatGPT app for querying spend data.
Pricing splits into a free Essentials tier for smaller teams and a $12/user/month Premium tier that adds multi-entity support and stronger approval workflows. Custom Enterprise and Smart Card (procurement) plans sit above that.
Brex screenshots
Who it's for
- ✓ Venture-backed startups that want a card, expense management, and bill pay from one vendor
- ✓ Companies with multiple legal entities that need consolidated spend controls
- ✓ Finance teams already on NetSuite, Sage Intacct, QuickBooks, Xero, or Dynamics 365 who want tighter ERP sync
Who should look elsewhere
- ✗ Small businesses without venture funding or strong cash reserves. Brex's underwriting favors well-capitalized companies
- ✗ Companies that want an independent vendor rather than a Capital One-owned platform
- ✗ Teams needing deep third-party procurement suites like Coupa or SAP Ariba beyond basic PO-to-card integration
Pros
- + Free Essentials plan includes unlimited global corporate cards, accounting integrations, travel booking, and bill pay at $0/user/month
- + Premium tier at $12/user/month adds customizable expense policies, multi-entity support, and live budgets
- + AI-native Accounting API pushes rule enforcement to the point of transaction instead of month-end reconciliation
- + Native integrations with major ERPs (NetSuite, Sage Intacct, QuickBooks, Xero, Dynamics 365 Business Central) and a Coupa Pay virtual card integration
Cons
- – Enterprise and Smart Card (procurement) plans are quote-only, so total cost for larger deployments isn't transparent
- – Now owned by Capital One as of April 2026, so it's a bank-owned product, not an independent fintech
- – Underwriting and card limits depend on company cash balances, which can disadvantage early-stage or cash-light businesses
- – Custom expense policies and ERP/HRIS integrations require the paid Premium tier; Essentials only includes basic accounting integrations
- – Brex cards cannot be used for ATM cash withdrawals, unlike some competing corporate card products
Brex pricing
What you pay for
Brex charges per user, per month. Essentials is free and includes unlimited global corporate cards, accounting integrations, travel booking, and bill pay. Premium costs $12 per user per month and adds multi-entity support, customizable expense policies, and live budgets. Smart Card and Enterprise plans are quote-only, so you need to contact sales for pricing on those.
It has a free plan, so you can start at no cost in Spend & Procurement.
| Plan | Price | Highlights |
|---|---|---|
| Essentials | Free | Unlimited global corporate cards plus 1 local card program · AI-powered custom rules · Up to two entities (1 global entity) · Accounting integrations · Travel booking · Bill pay and reimbursements |
| Premium | $12/seat/mo | Everything in Essentials · Customizable expense policies and dynamic review chains · AI-powered compliance audit detection · Multi-entity support (US & international) · Customizable ERP/HRIS integrations · Advanced approvals and live budgets |
| Smart Card | Custom | Global cards accepted worldwide · Local-currency cards in 50+ countries · Merchant card controls with custom approvals |
| Enterprise | Custom | Unlimited US or global entities · Named account manager · Fully customizable implementation services |
Essentials is free at $0/user/month. Premium is $12/user/month, billed monthly per user, with no stated annual discount on the pricing page. Smart Card and Enterprise are quote-only. Wire transfer and account fees are listed on Brex's separate rates and fees schedule. International card transactions carry an FX markup of up to 3%, per Brex's support page. Brex cards don't support ATM cash withdrawals at all.
Pricing verified July 6, 2026 · source
How Brex's pricing compares
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Brex FAQ
Is Brex free?+
Yes. The Essentials plan is $0 per user per month and includes unlimited global corporate cards, AI-powered custom rules, accounting integrations, travel booking, bill pay, and reimbursements. Custom expense policies and deeper ERP integrations are Premium-only.
How much does Brex Premium cost?+
Premium costs $12 per user per month. It adds dynamic expense review chains, AI-powered compliance audit detection, multi-entity support, advanced approvals, and live budgets on top of Essentials.
Is Brex still an independent company?+
No. Capital One announced its acquisition of Brex on January 22, 2026, in a $5.15 billion cash-and-stock deal. It completed the deal on April 7, 2026, and Brex now operates under Capital One.
Does Brex charge extra fees beyond the per-seat price?+
Wire transfer and account fees are listed separately on Brex's rates and fees schedule, not bundled into the Essentials or Premium seat price. International card transactions carry an FX markup of up to 3%. Brex cards don't support ATM cash withdrawals at all.