Brex offers corporate cards, expense management, and business banking. Free Essentials plan available; Premium from $12/user/month.
Category
Payments
Pricing
Freemium, from Free (Essentials); Premium at $12/user/month
Verified
Not yet
Last updated
July 18, 2026
Founded
2017
Headquarters
San Francisco, CA, USA
Free PlanWeb AppiOSAndroidAPIAIFreemium
Overview
Brex is a fintech company founded in 2017 by Pedro Franceschi and Henrique Dubugras, offering corporate cards, expense management, and business banking. It's headquartered in San Francisco and was acquired by Capital One in a deal that closed in April 2026, continuing to operate under the Brex brand.
Key Features
Brex offers unlimited employee corporate cards, automated expense categorization, real-time spend controls, business banking and cash management, bill pay, travel booking, and local-currency wires, with integrations into QuickBooks, Xero, and NetSuite.
The platform increasingly uses AI agents to automate expense-policy enforcement and reduce manual transaction review.
Pricing
Brex offers a free Essentials plan with no per-user fee, a Premium tier at $12/user/month adding advanced controls and ERP/HRIS integrations, and a custom-priced Enterprise tier for larger organizations.
Automated Expense Categorization — Automatically categorizes transactions and captures receipts.
Real-Time Spend Controls & Approval Policies — Configurable spend limits and approval workflows enforced in real time.
Business Banking & Cash Management — Business bank accounts with local-currency wires and cash management tools.
Bill Pay & Travel Booking — Integrated bill payment and corporate travel booking.
ERP/Accounting Integrations — Connects to QuickBooks, Xero, and NetSuite with automated field mapping.
AI-Driven Policy Automation — AI agents help automate expense-policy enforcement and reduce manual review.
Pros & Cons
Pros
Free Essentials plan with no per-user fee, accessible to early-stage startups
No personal credit check or guarantee required for corporate cards, per its original model
Combines cards, banking, and expense management in one platform
Backed by Capital One's balance sheet following the 2026 acquisition
Cons
Long-term product roadmap under Capital One ownership isn't fully settled as of 2026
Advanced controls, custom roles, and ERP customization require the paid Premium tier
Historically focused on VC-backed startups, so eligibility criteria may not fit all businesses
Enterprise tier pricing is custom/quote-based, not published
Pricing
Essentials Free N/A
Premium $12/user/month monthly
Enterprise Custom annual
Frequently Asked Questions
Is Brex free to use?
Yes, Brex's Essentials plan is free with no per-user fee, including global corporate cards and basic spend controls.
Did Capital One acquire Brex?
Yes, Capital One completed its acquisition of Brex on April 7, 2026, in a deal reported at roughly $5.15 billion; Brex continues to operate under its own brand.
Does Brex require a personal credit check?
Brex's corporate cards were originally built to avoid requiring a personal guarantee or personal credit check tied to founders.
What accounting software does Brex integrate with?
Brex integrates with QuickBooks, Xero, and NetSuite, with automated accounting field mapping.
What is included in Brex Premium?
Premium ($12/user/month) adds custom roles and permissions, customizable ERP/HRIS integrations, VAT documentation, live budgets, and more granular spend-policy automation.