# Brex Pricing: A Comprehensive Guide | Capterra > Check out the Brex pricing guide to understand the cost of different pricing plans, features, and insights on how to choose the right plan. Source: https://www.capterra.com/p/182054/Brex/pricing --- Brex Pricing Guide 2025 Last updated on June 11, 2025 Written by [Saumya Srivastava](https://www.capterra.com/resources/author/ssrivastava/) Writer Edited by [Parul Sharma](https://www.capterra.com/resources/author/parul-sharma/) Editor Pricing for Brex [4.5 (139)](#reviews) User rating:[ 4.5 ](#reviews) Based on (139) reviews ## Overview of Brex pricing Brex is an AI-driven financial management platform that provides businesses with corporate card, expense management, bill payment, and banking support tools to help them manage their spending and finances effectively. With an overall rating of 4.4 out of 5 stars from user reviews, Brex appears in two 2024 Capterra Shortlist reports, including for [expense report software](https://www.capterra.com/expense-report-software/shortlist/?year=2024) and [spend management software](https://www.capterra.com/spend-management-software/shortlist/?year=2024).  Brex has three primary plans from which users can choose: a free Essentials tier, a paid Premium tier, and a custom-quoted Enterprise tier for larger organizations with more complex financial and spending requirements. It also offers a custom-priced, standalone Smart Card plan for businesses that just want to simplify their procurement process. We won’t cover that plan in detail here. Essentials $0.00 * * * It Includes - Global card acceptance and 1 local card program - AI-powered custom rules - Up to two entities (1 global entity) - Accounting integrations - Local currency wires - Travel booking Premium $12.00 Per User,Per Month * * * It Includes - Multiple, customizable expense policies - Dynamic expense review chains - AI-powered compliance audit detection and insights - Advanced approvals with dynamic Spend Limit approval chains - Multi-entity (US & International) - Customizable ERP integrations and HRIS integrations Enterprise Contact vendor * * * It Includes - Unlimited US or global entities - Local card issuance, collections, reimbursements, and policies - Local language support - Named account manager for personalized support - Admin center - Fully customizable implementation services The latest pricing information is available on Brex’s website. ## Cost breakdown Brex caters to businesses of all sizes with its three primary subscription plans, including startups and growing companies that can benefit from the basic features of a free plan, midsize companies looking to scale with per-user monthly pricing, and large businesses and enterprises that need a more customized solution. Potential Brex users should determine their current stage in their growth journey and select the plan that best suits their needs. ### Starting price Brex offers a comprehensive and feature-rich free product to users at the Essentials tier, supporting their basic accounts payable and expense management needs.  Midsize subscribers looking for additional features such as customizable expense policies, AI-powered compliance audit detection and insights, and more can take advantage of the Premium tier at $12 per user per month. Larger business and global enterprises may prefer the customizable Enterprise plan, which requires contacting the Brex sales team for a custom quote.  ### Billing options Brex has annual and monthly billing, depending on your subscription agreement. The provider accepts ACH or wire payments for its software subscriptions. ### Feature differentiation The Essentials plan includes the core features Brex provides, which are expanded upon or enhanced in the Premium and Enterprise tiers. All plans include unlimited corporate cards. - **Expense management:** Essentials users have access to a wide range of reimbursement management and tracking tools, including spending limits, card policies, and multilevel reimbursement approval workflows. Premium and Enterprise users enjoy expanded functionality through live reporting and budgeting delegation, custom expense policy management, and compliance reporting.  - **Travel and events:** Brex provides basic travel support, including trip booking and duty of care services, at the Essentials level. Premium subscribers gain access to customizable travel programs, group events, and a travel concierge, while Enterprise subscribers also get offline booking support. - **Local currency and multi-entity support:** Essentials users can localize spending limits, make U.S. dollar-funded global reimbursements, and reach overseas staff with multilingual dashboard support. The Premier plan adds support for multiple entities and subsidiaries, while the Enterprise plan unlocks reimbursements funded in local currencies, automated VAT tracking and reporting, and more. - **Accounting automation:** Basic accounting automation is standard on the Brex platform. Premium and Enterprise users gain access to AI-driven account mapping tools and rules suggestions and custom field management. - **Integrations:** Essentials tier users have access to basic integrations with NetSuite and other accounting-focused programs, tailored CSV integration, and API access. Users must upgrade to paid subscriptions to access more advanced accounting integrations, human resource information systems (HRIS) integrations, and other third-party integrations, such as Concur and Coupa Pay. - **Support**: Essentials users have access to 24/7 live phone, email, or chat support. Dedicated admin and bookkeeper support comes with the Premium plan, and a designated senior consultant comes with the Enterprise plan. ## What users say about Brex pricing Our team analyzed some 135 reviews from verified Brex users on our website to understand their views about the software’s pricing. Although somewhat limited, reviews that mention pricing are positive, with users considering the software affordable and a good value. Reviewers point to the platform’s rewards programs as well as the combination of high credit limits and low fees as factors boosting their perception of the platform. They also appreciate the free plan, although a handful of users mention a lack of transparency in pricing. Here are some of the things users mentioned about Brex’s pricing.[\[1\]](#footnotes) Brian C.CEORetail1-2 years They are also a fantastic bank service with very low fees and a great UX. July 15, 2021 Joe A.CofounderComputer Software1-2 years They are not transparent, they frequently do not honor their bonuses when they go over budget and forget to remove it from the site, and their privacy terms (and accounting software integration permissions) are ludicrous if you take the time to read them. July 26, 2021 Philip S.CEOBiotechnology6-12 months Solid travel booking system, impactful rewards (we get 3% back on lab supplies, a major expense) and a huge number of perks with other startup friendly companies. August 20, 2019 ## Detailed breakdown of Brex pricing plans ### Essentials **Priced at:** Free **Ideal for:** Startups and growing companies needing the flexibility and support of a robust corporate spending program combined with accounting and finance software tools The Essentials tier establishes a baseline of features free to small businesses and startups to help grow their businesses and manage spending and travel. **Essentials plan features:**[\[2\]](#footnotes)  - **Multi-entity support:** Manage card spend alongside accounting and expenses for up to two entities (including one global entity).  - **Comprehensive card program:** Gain access to a global card program, with all locations and individuals under a single card accepted worldwide. - **Travel planning tools:** Comprehensive travel search and booking tools combined with duty of care support for employees traveling for business. - **Expense management and bill pay automation:** Expansive reimbursement tracking, custom spending limits, and other card controls combined with approval chains and expense reporting. Additional access to automated invoice entry and bill payment through Brex business accounts or external accounts. _Corporate card management in Brex (_[_Source_](https://www.capterra.com/p/182054/Brex/)_)_ ### Premium **Priced at:** $12 per user per month **Ideal for:** Midsize companies seeking to scale operations and expand into global markets Premium pricing expands the scope of the free Essentials tier to add additional controls and policy management tools, enhancing the platform’s accounting and expense management functionality.  **Premium plan features:**[\[2\]](#footnotes)  - **Enhanced expense policies:** Access to tools to establish customized expense policies according to spend categories, role-based exceptions, and auto-approval rules. - **Integration support:** Work with the Brex team to create or access ERP and HRIS integrations.  - **Dynamic expense and bill pay approval chains:** Add flexibility and remove bottlenecks in the accounting and expense approval chains through advanced approval permissions and workflows. - **Improved security and access controls:** Beyond the integrated compliance features and multifactor authentication (MFA) support, Premium users gain the ability to establish custom roles and permissions, access advanced single sign-on (SSO) functionality, and access security audit logs. _Spend management dashboard in Brex (_[_Source_](https://www.capterra.com/p/182054/Brex/)_)_ ### Enterprise **Priced at:** Available upon request from the vendor **Ideal for:** Large global enterprises wanting a customized solution for their expense management and accounting needs To fully leverage the scope of features available through the Brex platform, large organizations must negotiate a customized expense management and accounting solution that meets their specific business needs. **Enterprise plan features:**[\[2\]](#footnotes)  - **Unlimited international multi-entity support:** Customization allows large multi-entities to support an unlimited number of locations in the United States and internationally. - **Localized card and expense management support:** Fully localized card issuance, collections, reimbursements, and spending policies - **Full support:** Access to an account manager and individualized support resources, including fully customizable implementation for Brex services and integration support. _Reports summary in Brex (_[_Source_](https://www.capterra.com/p/182054/Brex/)_)_ ## Total cost of ownership When considering Brex as your corporate card and expense management platform, you'll want to evaluate all upfront fees and any additional costs. Here’s a breakdown to help you understand all potential expenses: ### Upfront costs Upfront costs refer to the initial expenses incurred when purchasing or subscribing to software, including fees associated with licensing, setup, customization, and other areas. Platform configuration, data migration, and team onboarding could all cost money, depending on the provider and plan. However, Brex does not list any upfront expenses other than the price of its subscription plans. ### Additional costs to consider Please note these additional expenses that may arise when using Brex for corporate cards and expense management.  - **Brex business accounts**: Brex does not charge transaction fees when sending domestic wires, international wires, ACHs, or checks via your Brex business account. However, your bank may charge fees for its involvement in this process. Brex may charge a foreign exchange rate for international wire transfers in a currency other than U.S. dollars. - **Brex card transactions**: Brex will apply an exchange rate markup of up to 3% when you make an international card transaction that needs to be converted into a different currency. - **User overages**: Brex charges overage fees for any user that exceeds the contracted amount. For example, if you had 60 monthly users but your contract was for 50 users, overage charges would apply for the 10 extra users. - **Integrations**: While Brex includes API access and integration support, users should note that additional third-party fees may be incurred during the integration process. Additionally, some Integrations are only available as add-ons. ## How to choose the right Brex pricing plan _Key considerations while choosing the right Brex plan_ - **Assess your business needs**. With the Essentials free tier designed to meet the needs of small businesses and startups, transitioning to a paid plan depends on your business’s growth stage and whether it would benefit from expanded policy customizations, multi-entity support, and other features. You should also consider how extensively your team will be traveling, the volume of reimbursable expenses, and if your organization has long-term growth goals that include multiple business entities or an international presence.   - **Compare features offered in each plan**. Paid users have significantly more control than free users in setting policies and spending limits according to categories and budgets. Paid tier users also gain access to enhanced travel planning and expense management. Understanding the features offered in each plan and how they align with your needs is crucial in helping you select the best plan for your business.  - **Consider your budget**. One advantage Brex brings to the table is that its plans cover a wide range of pricing, from free to enterprise-level custom quotes. Startups and small teams just exploring corporate cards and other financial services can take advantage of Brex’s basic services for free. As they grow, they can upgrade to the $12-per-user-per-month Premium plan. Larger companies with a more substantial budget for a customized solution should consider the Enterprise plan. You want to incorporate as many useful features as possible while staying within your budget to maximize your return on investment. ## How to maximize the value of your Brex subscription _Ways to maximize the value of your Brex subscription_ - **Utilize all features.** Brex business cards come with rewards programs, so it’s essential to properly maximize spending on business cards to accumulate points towards cash back and other rewards. This includes maximizing spending in special categories that may offer bonus rewards. The ability to establish budgets and spending limits for cards and create general expense policies is extremely important and a powerful benefit of the Brex platform that helps maximize the value of your subscription.   - **Leverage customer support and resources.** At all plan levels, Brex offers 24/7 live support via phone, email, chat, and video. Premium subscribers are assigned dedicated support for their designated administrators and bookkeepers. Enterprise users are assigned a designated senior consultant as well to help manage their more complex and extensive service needs. Brex also provides users access to webinars and training events, as well as online resources such as setup guides and a comprehensive help center.  - **Tailor the software to your needs.** Ensure the plan’s features are being used in accordance with your specific business needs. For example, establish budgets and spending limits that suit your business’s activities. Leverage the real-time reporting to gain insight into your employees’ spending behaviors (and then adjust spending and reimbursement policies as necessary). Integrate Brex with the accounting, HRIS, and other tools you use most. ## Is it worth paying for Brex? Whether Brex is worth investing in depends on your needs and budget. Here's a breakdown to help you decide. ### Value for money Brex has earned a 4.55 out of 5 stars for value for money, according to our analysis of verified user reviews. Although the number of pricing-focused reviews is limited, users generally value the Essentials free plan and appreciate the platform's vendor discounts and rewards program. However, there are comments noting a lack of pricing transparency and unfulfilled bonuses. Jonathan J.PresidentRetailLess than 6 months The reason why i like them is they give us a high limit right away and the ability to extend payments by 60 days will be a game changer for the growth of our business. August 20, 2019 Joe A.CofounderComputer Software1-2 years If you are a small startup and want free stuff (Twilio credit, WeWork credit, etc.), Brex is great. July 26, 2021 John K.Managing PartnerComputer Networking1-2 years The free ACH and wire transfers were the main reason but we also liked the partnerships they had June 16, 2022 ### Features of the free plan  Brex offers users a solid set of features, even with its entry-level free plan (Essentials). Those features include:  - **Corporate card:** Users can issue an unlimited number of globally accessible spending cards, each supported by a robust rewards program. Local-currency cards are available in 50+ countries.  - **Expense management and accounting automation:** Comprehensive reimbursement tools, including expense tracking, custom spend limits, multi-tier approval chains, auto-generated receipts, and powerful card controls.  - **Free business accounts and automated bill pay:** Ability to create cash management accounts and access to free ACH, checks, and domestic wires. Accounts can be used to issue automated payments to invoices entered through the expense management tools. - **Travel and events:** Users can access Brex’s trip search and booking tools and enjoy the platform’s included duty of care support when traveling for business. - **Integrations:** Users can access Brex’s API and leverage tailored universal CSV integration. Integrations also extend to accounting platforms, including NetSuite.  - **Security and access:** Brex’s platform complies with SOC 2 Type II and PCI-DSS, as well as FINRA, IT General Controls, NY Department of Financial Services, and other privacy regulations and standards.  ### Customer support options Brex offers all users 24/7 live support via phone, email, chat, and video. Premium subscribers are assigned dedicated support for their administrators and bookkeepers, while Enterprise users are assigned a designated senior consultant to help manage their more complex and extensive service needs. Brex also provides users access to webinars and training events, as well as online resources such as setup guides and a comprehensive help center.  ## Is Brex right for you? ### Assessing your requirements Determining whether Brex is the right software involves assessing your requirements and comparing them to what Brex offers. Here are some key factors to consider: - **Team size and plan scalability:** Brex offers a foundation for early growth for startups and small businesses at the free Essentials level, or a more robust solution for midsize businesses focused on growth at the Premium level. The customizability of the Enterprise plan offers larger organizations a comprehensive expense management solution that supports more complex spending. - **Expense management needs:** Do you have a significant number of employees working in the field, traveling, and interacting with clients in ways that generate a sufficient volume of expenses that you need an expense management solution? Brex provides protections for your employees and enables you to establish spending limits and standards for expenses, thereby minimizing costs.  - **Budget and cost constraints:** Review your budget to determine if Brex’s pricing aligns with your financial resources. If you require more than the free plan offers, is $12 per user per month in line with your budget? How many users would you have? Will it provide a good return on investment? With multiple plans and additional costs to consider, you want to ensure you are getting the software you need without blowing your budget. - **Integration needs:** Consider the accounting, ERP, HRIS, and other tools your team uses. Will Brex smoothly integrate with them? Can your team confidently work with the Brex API? Determine whether Brex aligns with your existing tech stack. ### Alternatives to Brex Brex has an overall rating of 4.4 stars out of 5. But, how does it compare to competitors in the expense management/accounting space in terms of pricing? When considering value for money, Brex has an average rating of 4.55 out of 5. That compares favorably to many alternative solutions. For example, Xero has a value-for-money rating of 4.2 and offers pricing plans starting at $20 per month. SAP Concur and Sage Intacct both have a 4.1 value rating with plans that require custom quotes. webexpenses has earned a higher value-for-money rating of 4.4; its plan pricing also requires contacting the provider, although it provides a sample plan that costs around $55 per month for up to 15 users. Lastly, Circula, with plans starting at around $10 per user per month, has a 4.5 value rating. Each of these alternatives has unique strengths: **Xero** users rate its invoice creation process 4.4 out of 5 stars. They appreciate the platform’s straightforward design for setting payment terms and attaching documents, as well as options for customizing invoices, including the ability to add logos. **SAP Concur** users rate its expense tracking features 4.6 out of 5 stars. They value the ability to categorize expenses, track spending, and keep a record of travel-related costs.  **Sage Intacct’s** general ledger feature earns a rating of 4.9 out of 5 stars from users. Reviewers like the software’s ease of use and flexibility in helping them create and manage journal entries.  **webexpenses** users appreciate the software’s expense tracking tool, giving it 4.6 out of 5 stars. They like that the tool enables them to monitor and manage their budgets by keeping a log of activities and tagging expenses to specific projects.   **Circula’s** mobile receipt upload feature is valued by users for making it easy and convenient to upload and edit receipts on the go. Reviewers give the tool a rating of 4.7 out of 5 stars.   ### Cost comparison: Brex vs. popular alternatives [4.4 (3290)](https://www.capterra.com/p/120109/Xero/#reviews) * * * Starting Price $25.00 Flat Rate , Per Month * * * [4.3 (2247)](https://www.capterra.com/p/380/Concur-Expense/#reviews) * * * Starting Price $7.00 Usage Based , Per Month * * * [4.3 (684)](https://www.capterra.com/p/76/Intacct/#reviews) * * * Starting Price Contact vendor * * * ### Making the final decision Brex offers businesses a software platform that supports their needs for corporate cards, expense management, bill payments, and banking services. Brex can be used for free by small businesses and startups at the Essentials plan level, while midsize businesses focused on growth may consider Brex’s Premium plan, priced at $12 per user per month. Larger businesses can consult with the sales team to create a customized solution under the Enterprise tier. Appearing in two 2024 Capterra Shortlists ([Expense Report](https://www.capterra.com/expense-report-software/shortlist/?year=2024) and [Spend Management](https://www.capterra.com/spend-management-software/shortlist/?year=2024)), Brex earns an overall rating of 4.4 out of 5 stars and a value-for-money rating of 4.5 out of 5 stars from verified user reviews. Brex reviews on our site praise the platform’s expense management features, versatile corporate credit card, and robust customer service and support. Potential customers interested in learning more about Brex should explore what reviewers have to say about the platform on our site. They can also request a demo of the platform from the provider or get started with the Brex Essentials plan for free. ## FAQs What company information is required to open a Brex account? Domestic Brex customers must provide a valid employer identification number (EIN), U.S. incorporation documents, and a physical U.S.-based address. Other eligibility requirements apply according to the platform’s agreement. Along with an EIN and incorporation documents, international organizations must provide a non-PO box U.S. address, a valid international residential address, and proof of U.S. operations. Are there different requirements to open a Brex account depending on business size? Brex has different revenue requirements depending on your organization’s classification. The three major categories that Brex specifically addresses on its account requirements support page include nonprofit organizations, mid-market and enterprise companies, and startups (including angel-funded and accelerator/venture-funded organizations). What determines a Brex card spending limit? Credit limits are determined to be between 5% and 20% of the aggregate bank balances from banks connected to Brex via third-party processing partners or banks from which the user submits statements. Users with Brex business accounts can instead choose a limit based on aggregate balances in their Brex business accounts. Are transactions returned through the API received in real time? Brex’s API is only able to return settled transactions; users are not currently able to view pending transactions as they occur. Does Brex charge an annual fee? No, Brex’s Essentials tier is a truly free service, aside from third-party fees. The Premium plan charges users a monthly subscription fee only. Can I carry a balance on my company card through Brex? Brex requires statement balances to be paid in full at the end of each cycle. ## Methodology 1. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, length, topic coverage, and thematic relevance. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. Excerpts represent user opinion and do not represent the views of, nor constitute, an endorsement by Capterra or its affiliates. Excerpts are not edited for clarity or grammar. 2. Our research team identified these features from vendor websites (April 23, 2025) based on their analysis of what users find valuable or expect from spend management software. This list is not exhaustive. For additional features, refer to the vendor’s website. [Saumya Srivastava](https://www.capterra.com/resources/author/ssrivastava/) Saumya Srivastava is a writer at Capterra. She provides insights to help small and midsize businesses identify the right software for their needs by analyzing over 550,000 Capterra user reviews and nearly 48,000 interactions between Capterra software advisors and buyers. Prior to Capterra, Saumya wrote content related to educational and advertising domains. [Parul Sharma](https://www.capterra.com/resources/author/parul-sharma/) Parul Sharma is a content editor at Capterra with expertise in curating content for various niches, including SaaS, digital marketing, and search engine optimization. With over half a decade of experience in content writing and editing, Parul has the expertise to simplify complex terms into engaging, valuable content for targeted audiences. She completed her graduation and post-graduation in English literature from Delhi University and was awarded the Dr. Asha Sahni Memorial Award for being the... Related reading Table of Contents - [Overview of Brex pricing](#overview-of-brex-pricing) - [Cost breakdown](#cost-breakdown) - [What users say about Brex pricing](#what-users-say-about-brex-pricing) - [Detailed breakdown of Brex pricing plans](#detailed-breakdown-of-brex-pricing-plans) - [Total cost of ownership](#total-cost-of-ownership) - [How to choose the right Brex pricing plan](#how-to-choose-the-right-brex-pricing-plan) - [How to maximize the value of your Brex subscription](#how-to-maximize-the-value-of-your-brex-subscription) - [Is it worth paying for Brex?](#is-it-worth-paying-for-brex) - [Is Brex right for you?](#is-brex-right-for-you) - [FAQs](#faqs)