Lunch Money â—†
Lunch Money is a personal finance tracker that auto-categorizes transactions and lets you set recurring budgets with rollover rules.
Free·from $10/mo
About Brex
What is Brex?
Brex is a modern finance platform that combines corporate cards, expense management, bill pay, and banking into one system. It helps businesses automate financial operations, control spending, and earn rewards on everyday purchases like cloud services and travel.
Who is it for?
Brex is built for startups, mid-size companies, and enterprises that want to eliminate manual expense reporting and get better control over company spending. It's especially useful for startups that need corporate cards without personal guarantees and finance teams that want AI-powered expense automation.
Real use cases
Use Brex to issue virtual and physical cards to employees with custom spending limits, automatically categorize and match receipts, pay vendors via ACH or wire, and sync all transactions with accounting tools like QuickBooks and NetSuite. The platform supports operations in over 120 countries and offers rewards with bonus points on AWS, Google Cloud, and travel.
Key features
- Corporate cards — Global card acceptance in 210+ countries with customizable spending limits
- Expense management — AI-powered automation of approvals, receipt matching, and expense reports
- Bill pay — Automated invoice entry and payment via ACH, check, or wire
- Banking and treasury — Earn up to 3.66% APY on cash with FDIC insurance coverage
- Travel booking — In-app booking and itinerary management with automated expense tracking
- Accounting integrations — Sync with QuickBooks, Xero, NetSuite, and thousands of ERP systems
- Rewards program — Earn points on all spending with bonus categories for cloud and software
Brex Pricing
Brex pricing: Free · from $0/mo. Billing model: Freemium.
Essentials
$0 per user/month. Includes global card acceptance, 1 local card program, AI-powered custom rules, up to two entities, accounting integrations, local currency wires, travel booking, real-time reporting, Brex API, bill pay, and reimbursements.
Premium
$12 per user/month. Includes everything in Essentials, plus multiple customizable expense policies, dynamic expense review chains, AI compliance audit detection, advanced approvals, multi-entity support, customizable ERP and HRIS integrations, VAT documentation, group travel, and live budgets.
Enterprise
Custom pricing. Includes everything in Premium, plus unlimited entities, local card issuance in multiple countries, dedicated account manager, admin center, and fully customizable implementation.
Smart Card
Custom pricing. Global cards accepted worldwide, local-currency cards in 50+ countries, merchant card controls, and custom approvals. All plans include a free trial.
Frequently asked questions
What is Brex and how does it work?
Brex is a finance platform that offers corporate cards, expense management, bill pay, and banking. It works by connecting to your company's bank account to set card limits based on cash flow, automatically categorizes expenses, and syncs with accounting software.
How much does Brex cost?
Brex offers a free Essentials plan at $0 per user/month. The Premium plan costs $12 per user/month. Enterprise and Smart Card plans have custom pricing. All plans include a free trial.
Is Brex free to use?
Yes, Brex has a free Essentials plan with no monthly fees. It includes corporate cards, expense management, bill pay, and travel booking.
Who is Brex best for?
Brex is best for startups, growing companies, and enterprises that want to automate expense management and get corporate cards without personal guarantees. It is less suited for very small businesses that don't need multi-entity support.
What are the top Brex alternatives?
Top alternatives include Ramp, Divvy, and Expensify. Ramp offers similar expense management with a focus on cost savings; Divvy provides free cards and budgeting tools; Expensify specializes in receipt tracking and reporting.
Does Brex require a personal guarantee?
No, Brex sets card limits based on your company's cash flow and financial health, not personal credit scores, so no personal guarantee is required for most businesses.
