What it is
Brex offers corporate cards with limits based on cash and revenue rather than personal credit, business accounts with treasury, and expense and bill-pay software, aimed at funded startups and larger companies.
Who it suits
Funded startups and growth companies that want cards, spend controls and treasury under one roof.
Regulation and protection
Financial technology company; banking services and FDIC coverage through partner banks.
How it charges
Core card and account are free; paid tiers add advanced expense and procurement features priced per user. Interchange on card spend funds the free tier.
Getting started
Apply online with company details and funding information; card limits are set from cash on hand and revenue.
At a glance
- Free plan
- Yes (card and account)
- Is a bank
- No (partner banks, FDIC)
- Multi-currency
- Global cards
- Accounting sync
- Yes
- Headquarters
- San Francisco
- Founded
- 2017
Strengths
- No personal guarantee on cards
- Strong expense policy and approval controls
- Treasury yield on idle cash
Watch for
- Aimed at funded companies, not sole traders
- Premium software tiers carry a per-user fee
Readers ask2 questions answered
Do I need to be venture-backed?
Brex focuses on funded startups and mid-market companies; small unfunded businesses may not qualify.
Is Brex a bank?
No. Brex is a financial technology company; deposits are held at partner banks and insured through them.
How it comparesIts standing in 1 comparison
Best for venture-backed startups
- Free plan
- Yes (card and account) 1 provider in this comparison
- Multi-currency
- Global cards 1 provider in this comparison
- Accounting sync
- Yes 4 of them share this
- Is a bank
- No (partner banks, FDIC) 1 provider in this comparison
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