Top 8 Brex alternatives and competitors for 2026

Brex was one of the first corporate cards built specifically for venture-backed startups, and for nearly a decade it was a fixture in early-stage finance stacks. That changed in January 2026, when Capital One announced a $5.15 billion acquisition that recently closed on April 7.

For current and prospective Brex customers, the deal raised legitimate questions: Will Brex’s product, pricing, and roadmap stay aligned with high-growth startups? Or will it shift toward the enterprise customers Capital One has historically targeted?

Luckily, if you’re evaluating Brex alternatives, you have more options than ever. These eight competitors span integrated spend management platforms, banking-first stacks built for VC-funded startups, and global payments infrastructure:

1. Ramp
2. BILL Spend & Expense (formerly Divvy)
3. Rho
4. Mercury
5. Navan (formerly TripActions)
6. Airbase (now Paylocity for Finance)
7. Airwallex
8. SAP Concur

To compile this list, we looked at G2 ratings, customer reviews, and product capabilities across corporate card and spend management platforms, then layered on our own research to cut through the marketing and identify where each platform excels and who it’s actually built for.

At a glance: Top Brex alternatives compared

1. Ramp: The best overall Brex alternative

Full disclosure: we’re biased on why Ramp should be your choice for finance operations. From corporate cards and expense management to AI agents that can handle AP, purchasing, policy enforcement, and transaction coding, our platform is purpose-built to save your business time and money.

So how is Ramp different from Brex?

One of the biggest differences is independence. Ramp is an independent, AI-native finance operations platform built for modern teams. Our product roadmap is driven entirely by customer needs, not the competing priorities of a legacy banking institution, which means faster feature releases and no uncertainty about strategic direction.

Brex was originally designed for venture-backed startups. With the acquisition, current and prospective customers might question whether Brex’s product direction, pricing, and customer focus stay aligned with high-growth startups or shift toward the enterprise customers Capital One has historically served.

Ramp serves businesses at every stage, from bootstrapped startups to large enterprises. Our independence means we can keep moving fast, keep shipping features that matter to growing teams, and keep our roadmap aligned with the customers we serve.

‍Key features

• Unlimited physical and virtual corporate cards for employees, plus tokenized virtual cards for AI agents to make purchases on your behalf (now in early access)
• Complete finance operations platform that unites data and workflows across AP, procurement, business travel, treasury, and accounting integrations
• AI agents that cover the full spend lifecycle, including agents for expense policy enforcement, bill pay, and month-end close
• No credit check or personal guarantee required. All you need is an EIN and $25,000 in a U.S. business bank account to qualify,
• Clean, modern, easy-to-use web and mobile apps for finance teams and employees alike
• Over 200 integrations with the tools you already use, from ERPs and accounting software to Gmail, Uber, DoorDash, and Amazon Business
• Free bill pay via card, ACH, check, and wire transfer
• Companies that use Ramp save an average of 5% a year across all spending

Why choose Ramp vs. Brex

More than 50,000 businesses have already saved $10 billion and 27.5 million hours by switching to Ramp, and over 4,200 companies have switched directly from Brex. Almost 90% of the 2,300+ users who reviewed Ramp on G2 gave our platform a 5-star rating.

Here’s why finance teams choose Ramp out of all the Brex alternatives available today:

• AI that does the work: Ramp’s agents handle policy enforcement, transaction coding, AP, and purchasing automatically. Brex offers AI features, but Ramp’s are deeper and more autonomous.
• Banking on your terms: Ramp connects to 80+ banks so you can diversify funds and keep your existing banking relationships. Brex's banking stack routes cash through a single provider—now part of Capital One.
• Expense reports that submit themselves: Ramp's receipt capture auto-matches transactions, auto-populates memo fields based on historical transactions, and can even auto-generate receipts when they're missing. No more chasing down employees to submit missing documentation.
• End-to-end procurement and AP: Brex's procurement capabilities are limited. Ramp pairs corporate cards with vendor management, savings intelligence, and full procure-to-pay, so spend visibility doesn't stop at the card.

Pricing

Ramp’s corporate cards, expense management, accounts payable, accounting automation, and reporting are all free. Ramp Plus offers greater control and customization at $15 per user per month. Custom enterprise plans are available as well—just get in touch to talk through your needs.

Reviews and ratings

• G2: 4.8/5 (2,300+ reviews)
• Capterra: 4.9/5 (200+ reviews)

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2. BILL Spend & Expense (formerly Divvy)

BILL Spend & Expense, formerly Divvy, combines corporate cards and expense management in one free platform. It’s part of the broader BILL product suite, which also includes accounts payable, accounts receivable, and AP automation as paid add-ons. BILL Spend & Expense holds a 4.5 out of 5 rating on G2.

Key features

• Top-down budgets allocated by team, department, or project, with spend controls enforced before transactions clear
• Real-time spend visibility and automatic transaction categorization
• Physical and virtual BILL Divvy cards with customizable controls
• Built-in receipt capture and reimbursement tools
• Direct sync with QuickBooks Online, NetSuite, Sage Intacct, and Xero

Why choose BILL over Brex

BILL takes a budgeting-first approach to spend management. Where Brex organizes controls at the card level, BILL starts with top-down departmental budgets that enforce limits before anyone swipes. If your team prioritizes proactive budget discipline over after-the-fact review, that model is a better fit.

It’s also much easier to qualify for BILL than Brex. Brex generally requires either equity funding or over $1 million in annual revenue just to open an account. In contrast, the BILL Divvy card requires a minimum of $20,000, making it a practical landing spot for SMBs that don't meet Brex's funding or revenue bar.

Pricing

BILL Spend & Expense is free, including the corporate card and core expense management features. Using BILL's AP module for bill pay requires a separate paid subscription.

Reviews and ratings

• G2: 4.5/5 (2,000+ reviews)
• Capterra: 4.7/5 (400+ reviews)

3. Rho

Rho pairs business banking, corporate cards, expense management, bill pay, and treasury management in a single platform. Built primarily for funded startups and growth-stage companies, Rho positions itself as a finance stack that scales with you from incorporation through later-stage operations. Rho holds a 4.8 out of 5 rating on G2.

Key features

• Free business checking and savings accounts with no monthly platform fees
• Rho corporate cards with cashback on spend, no personal guarantee, and balance-based credit limits
• Expense management with virtual cards, receipt capture, and policy enforcement
• AI-powered bill pay with invoice scanning, automated approval routing, and direct vendor payments
• Multi-entity banking with the ability to manage subsidiaries and consolidate spend on a single platform

Why choose Rho over Brex

If you liked what Brex offered before the Capital One acquisition—banking, cards, AP, and treasury built specifically for venture-backed companies—Rho is a close equivalent. Both platforms target the same audience and bundle business banking with spend management on a single platform.

Multi-entity banking is one of the most common reasons why users pick Rho. For companies receiving large investor wires, paying contractors, or running concentrated AP cycles, Rho's high transfer limits and bulk payments workflow handle volume that other platforms route through workarounds.

Pricing

Rho offers its core platform for free.

Reviews and ratings

• G2: 4.8/5 (100+ reviews)
• Capterra: Not enough reviews

4. Mercury

Mercury pairs FDIC-insured checking and savings accounts with a corporate charge card, expense management, bill pay, invoicing, and treasury management. Primarily built for startups, e-commerce, and other digital-first businesses, it has a G2 rating of 4.5 out of 5 stars.

Key features

• Free business checking and savings accounts with no minimums
• The Mercury IO Mastercard with cashback, no personal guarantee, and credit limits based on account balances
• Expense management with virtual cards, spend controls, receipt policies, and subscription tracking
• Bill pay with AI-powered invoice extraction, plus invoicing for inbound payments
• Treasury management offering competitive yield on idle cash, subject to a minimum balance

Why choose Mercury over Brex

As a Brex alternative, Mercury is a natural landing spot for companies that originally chose Brex for its banking features. Both platforms target venture-backed and digital-first companies, both pair business banking with a corporate card and expense management, and both offer a finance operations platform.

Like Ramp, Mercury remains an independent fintech, while Brex is now a wholly owned subsidiary of Capital One. For finance teams whose original draw to Brex was the modern, founder-friendly banking experience, and who are now uncertain how that experience will change under Capital One, Mercury is an attractive option.

Pricing

Mercury's core platform is free, with no monthly fees, account minimums, or maintenance fees. Mercury Plus offers additional features for $35 per month (or $29.90 per month billed annually), while Mercury Pro adds a dedicated relationship manager and premium automations for $299 per month.

Reviews and ratings

• G2: 4.5/5 (100+ reviews)
• Capterra: 4.9/5 (50+ reviews)

5. Navan (formerly TripActions)

Navan is a travel and expense management platform that combines business travel booking, expense tracking, corporate cards, and employee reimbursements. If your team travels a lot, Navan’s core value is in connecting bookings directly to expense workflows so you’re not reconciling T&E after the fact. Navan currently holds a 4.7 out of 5 rating on G2.

Key features

• End-to-end travel booking with negotiated rates and built-in policy enforcement
• Corporate cards with cashback rewards and virtual cards that auto-link to individual trip bookings
• Navan Connect, which lets companies keep their existing Visa, Mastercard, or Amex cards while using Navan's T&E platform
• Travel rewards that incentivize employees to book more economical fares
• Global reimbursements across 45+ countries and 25+ currencies

Why choose Navan over Brex

Both Navan and Brex offer travel booking and expense management, but they come at the problem from different directions. Brex started as a corporate card platform and added travel; Navan was built as a travel management company from day one. For companies where T&E is a major line item, Navan’s travel-first approach offers a more polished booking experience.

That said, Navan is strongest when travel is your primary spend category. Its general expense management and AP capabilities are less mature than competitors like Ramp, which was built for comprehensive spend management. If your team needs greater control across all your operational spend, not just T&E, Navan may be too one-dimensional.

Pricing

Navan’s core travel plan is free for companies with fewer than 200 employees, with 5 active expense users per month included at no cost. Expense management beyond that tier runs $15 per user per month. Enterprise plans with dedicated support and custom integrations require a custom quote.

Reviews and ratings

• G2: 4.7/5 (9,000+ reviews)
• Capterra: 4.6/5 (200+ reviews)

6. Airbase (now Paylocity for Finance)

Paylocity acquired Airbase’s spend management platform in October 2024 and has since rolled it into a rebranded offering called Paylocity for Finance. The product combines Paylocity’s HR platform, including payroll, benefits, and workforce management, with Airbase's AP automation, corporate cards, expense management, and procurement. Paylocity holds a 4.5 out of 5 rating on G2.

Features

• Guided procurement with approval routing and vendor management
• AP automation with invoice processing, 3-way matching, and vendor payments in 200+ countries
• AI-assisted expense management with automated receipt matching and GL coding
• Physical and virtual corporate cards with spend controls, plus support for existing Visa, Mastercard, and Amex programs
• Spend data connected directly to payroll, HR, and headcount planning

Why choose Airbase over Brex

Paylocity's edge is its HR-finance connection. Where Brex is a standalone spend management platform, Paylocity ties non-payroll spend to the employee record. When someone gets onboarded, changes roles, or leaves, their card access, approval chains, and budget allocations update automatically.

The trade-off is that Paylocity for Finance is still a relatively new product since the Airbase acquisition closed. There's no public pricing, and the finance features are strongest when paired with Paylocity's broader tools. As a standalone spend management tool without the HR integration, it's a tougher sell against purpose-built Brex competitors.

Pricing

Paylocity doesn't publish pricing for its finance and spend management tools. You’ll need to reach out to sales for a custom quote based on your company size, needs, and transaction volume.

Reviews and ratings

• G2: 4.5/5 (5,200+ reviews)
• Capterra: 4.3/5 (1,800+ reviews)

7. Airwallex

Airwallex provides multi-currency business accounts, corporate cards, international payments, and treasury management on a single platform. If you operate across borders and you’re tired of paying steep FX fees every time you move money internationally, Airwallex is designed to solve that problem. It holds a 4.3 out of 5 rating on G2.

Key features

• Multi-currency corporate cards with no international transaction fees when funded in local currency
• Local business accounts in 20+ currencies, so you can collect, hold, and pay without converting back to USD
• International payments across 90+ currencies in 200+ countries
• Batch payment processing for high-volume international vendor and contractor payments
• Expense management with real-time spend controls, receipt capture, and approval workflows

Why choose Airwallex over Brex

Both Brex and Airwallex support international operations, but the cost structure is meaningfully different: Brex applies an aggressive FX markup on currency conversions, while Airwallex charges as low as 0.5% and lets you hold local accounts in multiple currencies to skip conversion altogether. If you have significant cross-border spend, that gap adds up fast.

The trade-off is that Airwallex is primarily a payments and treasury platform. It has expense management and spend control features, but they aren't as mature as what you'd get from Ramp, Brex, or BILL. If you mostly need a domestic spend management platform with strong AP automation, Airwallex probably isn't the right fit.

Pricing

Airwallex offers a free Explore plan that includes multi-currency corporate cards. The Grow plan adds expense management and approval workflows for $12 per active user per month, but it’s capped at 250 users. The Accelerate plan, geared toward enterprise teams, requires a custom quote.

Reviews and ratings

• G2: 4.3/5 (50+ reviews)
• Capterra: 3.9/5 (10+ reviews)

8. SAP Concur

SAP Concur rates lower than most Brex competitors on this list, but it's long been the default for large enterprises, especially those already running other SAP software. Concur has been in the travel and expense management space for over two decades, and it shows—both in the depth of its compliance controls and multi-entity support, and in a user experience that hasn't kept pace with modern platforms. It has a 4.0 out of 5 rating on G2.

Key features

• Concur Expense for automated expense reporting with receipt capture, policy enforcement, and multi-level approvals
• Concur Travel for corporate travel booking with pre-trip approval and automated T&E policy compliance
• Concur Invoice for AP automation, from invoice capture and PO matching to payment
• Corporate card integrations with major issuers
• Joule, SAP's AI assistant, which lets employees submit expenses and book travel using natural language

Why choose SAP Concur over Brex

Concur and Brex serve very different buyers. Brex was built for startups and growth-stage companies that want a modern corporate card with integrated expense management. Concur is built for enterprises with complex org structures, global travel programs, and approval hierarchies that need to meet regional tax and regulatory requirements. If you're running other SAP modules, Concur plugs in natively in a way no standalone fintech can match.

The trade-off is complexity. Implementation takes months, not days, and the interface feels dated next to modern platforms. Pricing is opaque since SAP custom-quotes everything. Costs can climb once you factor in implementation, premium support, and add-on modules. If you don't need deep ERP integration, the overhead probably isn't worth it.

Pricing

SAP Concur doesn't publish its pricing tiers. Plans are custom-quoted based on company size, modules, and transaction volume.

Reviews and ratings

• G2: 4.0/5 (6,900+ reviews)
• Capterra: 4.3/5 (2,200+ reviews)

Brex competitors for small businesses

In June 2022, Brex announced it would no longer serve small businesses, shifting its focus to technology startups and larger companies. The move affected tens of thousands of customers who didn't meet the new criteria: equity funding, $1 million or more in annual revenue, 50+ employees, or at least $500,000 in cash. Everyone else had to transfer their funds out of their Brex Cash account to a new provider.

With the Capital One acquisition now closed, Brex's direction may continue shifting further from smaller companies. Capital One has historically focused on enterprise banking customers, and there's no indication Brex’s eligibility bar will come back down.

If you're a small business that got dropped by Brex, or one that never qualified in the first place, here are the strongest options from our list:

• Ramp requires just an EIN and $25,000 in a U.S. business bank account. You get corporate cards, expense management, and AP for free, with no personal guarantee and no credit check.
• BILL Spend & Expense has an even lower bar at $20,000 cash on hand and takes a budgeting-first approach that gives smaller teams tight control over departmental spend
• Mercury is an attractive option if banking is your primary need. It offers free checking and savings accounts with no minimums, plus a corporate charge card and basic expense management.

How to choose the right Brex alternative

The right Brex alternative depends on what you need most from your finance stack. Here's a quick way to narrow the list:

What to think about when switching from Brex

If you're actively looking to move on from Brex, there are a few practical considerations to note beyond features and pricing:

• Credit limits: Most alternatives base limits on your bank balance, not a credit check. Ask how each platform underwrites and whether your limits will match what you had with Brex.
• Card migration: Map out which vendor payments and subscriptions are on Brex cards today, then build a cutover timeline so nothing lapses during the switch.
• Banking: Brex's banking stack now routes through Capital One. If you're using Brex Cash, understand how the acquisition affects your account. Ramp connects to 80+ banks so you can keep your existing relationships; Rho and Mercury offer their own integrated banking.
• Approval workflows: Rebuilding spend policies and approval chains is one of the most time-consuming parts of any migration. Ask how each vendor handles policy import or migration support.

So, which Brex alternative is right for you?

The Capital One acquisition has changed the calculus for teams evaluating Brex. Whether you're a current customer weighing what comes next or a prospective one doing due diligence on all your options, the tools on this list could offer a more compelling alternative.

Ramp is the strongest overall choice. It's the only platform on this list that covers corporate cards, expense management, AP, procurement, travel, and treasury in one place, backed by AI agents that handle the busywork your finance team is shouldering today. It's also free, independent, and built around a roadmap driven by customers.

Try an interactive demo to see why more than 4,200 teams have switched from Brex to Ramp.