Brex provides corporate credit cards with no personal guarantee, business banking, expense management, and travel booking in a unified financial platform for startups.
Each app below addresses a specific gap in Brex's offering. We picked them based on real user review patterns and feature differentiation.
Ramp competes directly with Brex with AI-powered spend insights, automated expense reports, and a focus on helping companies reduce costs rather than earn rewards.
Explore Ramp data →Mercury provides fee-free startup banking with a charge card option, offering a simpler and more banking-focused alternative to Brex's full financial platform.
Explore Mercury data →BILL's Divvy corporate card platform provides real-time budget controls, physical and virtual cards, and expense management at a lower price point than Brex.
Explore BILL (Divvy) data →Expensify handles expense reporting and receipt scanning for companies using their own corporate cards, integrating with major accounting software.
Explore Expensify data →American Express Business cards offer premium rewards, purchase protection, and travel benefits for businesses that qualify for traditional credit based on revenue.
Explore American Express Business data →Airbase provides corporate cards, AP automation, and expense management for mid-market companies, with stronger accounting integrations than Brex.
Explore Airbase data →Brex disrupted the corporate card market by offering high credit limits to startups based on company cash rather than founder credit scores, eliminating the need for personal guarantees.
Brex corporate cards do not require a personal credit check or personal guarantee. Qualification is based on company cash balance, investors, and business metrics.
Brex refocused on mid-market and enterprise companies in 2022, discontinuing accounts for sole proprietors and very small businesses. For small teams, Ramp or Mercury are better options.
Brex emphasizes rewards programs and a broad financial platform. Ramp focuses on spend reduction through AI insights and automated savings. Both offer strong expense management.
App Vulture tracks app store ratings, review sentiment, and update frequency to identify the best-maintained corporate card and spend management platforms competing with Brex.
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