Brex

Overview

Brex gives small business owners a single place to handle corporate cards, expense tracking, bill pay, and business banking. The free Essentials plan covers the core tools most small teams need, including accounting integrations, real-time reporting, travel booking, reimbursements, and bill pay. You issue cards to employees, set spending rules before money leaves the account, and watch transactions in real time instead of chasing receipts at month end. The AI-powered expense assistant automates receipt capture and flags policy violations automatically. Brex reports a 99% average expense policy compliance rate and 4,250 hours saved per year on expense and accounting tasks across its customer base. Banking customers can earn up to 3.68% on cash held in a Brex business account, with up to $6 million in FDIC insurance through program banks. Cards work in 210 countries and territories, which matters if you pay international vendors or travel abroad.

Features

• Free Essentials plan with corporate cards, bill pay, reimbursements, and accounting integrations
• AI-powered expense assistant automates receipt capture and flags out-of-policy spending
• Real-time spend tracking with budget controls set before purchases happen
• Business banking account earning up to 3.68% with up to $6M FDIC insurance through program banks
• Cards accepted in 210 countries and territories with local-currency billing in 50 plus countries

Best for

Brex works best for startups and small businesses that want to replace separate card, expense, and banking tools with one platform. It fits owners who want spending controls locked in before employees spend, not discovered during monthly reconciliation.