Brex Alternatives (Top 10 Pick)
Brex is a popular financial solution for startups and fast-growing companies, offering corporate cards and expense management tools. However, every business has unique financial needs, and some may require better global payment options, advanced automation, or industry-specific features.
In this guide, we’ll explore the top Brex alternatives, highlighting their key features, strengths, and best use cases. Whether you need smarter expense tracking, flexible corporate cards, or seamless banking solutions, this list will help you find the right fit for your business.
Here’s an expanded list of 10 Brex alternatives, including Expense Tracker 365:
- Navan (formerly TripActions)
- Airbase
- Center
- Spendesk
- SAP Concur
- Expensify
- Divvy
- Emburse
- Zoho Expense
We put this list together by checking G2 ratings of similar corporate credit card providers and expense management platforms. We also dug into customer reviews to see what real users had to say. After combining our research with this feedback, we picked the top 10 Brex alternatives worth considering
Best All-Around Brex Alternative: Expense Tracker 365
At Expense Tracker 365, we believe our platform is the future of finance management. With corporate card management, expense tracking, bill payments, and seamless accounting integrations with QuickBooks, we help businesses save money every month.
Our goal is to simplify spending and maximize savings with smarter automation. From tracking expenses to streamlining approvals, everything is built for efficiency. With Expense Tracker 365, businesses can focus more on growth and less on financial admin.
How is Expense Tracker 365 different from Brex?
While both Expense Tracker 365 and Brex help businesses manage their finances and automate expenses, they cater to different needs. Expense Tracker 365 is designed for businesses of all sizes, from small startups to growing enterprises, offering flexibility and ease of use. Brex, on the other hand, primarily serves venture-backed startups with high revenue.
Key Expense Tracker 365 Features:
- Simple and intuitive expense tracking
- Easy receipt capture and automated expense reports
- Budget controls to track and manage spending in real time
- Seamless integration with popular accounting software like quickbooks.
- Multi-user access with role-based permissions
- Reliable customer support for quick assistance
Why Businesses Choose Expense Tracker 365 Over Brex
More than 15,000 businesses trust Expense Tracker 365 to streamline their finances and cut unnecessary costs. With smart automation, real-time insights, and easy expense tracking, companies save both time and money.
Businesses using Expense Tracker 365 have already reduced expenses by millions, and our users love the simplicity and efficiency of our platform. That’s why 90% of reviewers on G2 give us a five-star rating!
What Makes Expense Tracker 365 Stand Out?
- Seamless Expense Management – Track, categorize, and manage all business expenses in one easy-to-use platform. No more messy spreadsheets or lost receipts—everything stays organized and accessible in real time.
- Effortless Expense Reporting – No more chasing receipts! Our smart receipt capture automatically matches transactions, fills in memo fields, and even generates receipts when needed—making expense reports a breeze for employees and finance teams alike.
- Smarter Spending Insights – Gain a clearer view of business expenses with built-in vendor management, spending insights, and automated savings recommendations. While Brex has limited procurement features, Expense Tracker 365 helps businesses track, analyze, and optimize spending with ease.
Expense Tracker 365 Pricing
- Get powerful expense management, automated payments, and real-time spend tracking—all starting at $49 per month.
- Upgrade for advanced features and greater customization to fit your business needs.
Expense Tracker 365 Reviews & Ratings
- G2: 4.8/5 (2,000+ reviews)
- Capterra: 4.9/5 (150+ reviews)
Our Pricing
- Expense Tracker 365 helps you track spending, automate payments, and manage expenses with ease—all starting at $49 per month. Upgrade for more control and customization to fit your business needs.
1. Navan (formerly TripActions)
What is Navan?
Navan is a travel and expense management platform designed to simplify business trips and spending. It helps professionals’ book, track, and manage travel and expenses in one place.
Key Features
- Smart Spending Controls – Prevent out-of-policy purchases with built-in rules at checkout.
- Automated Expense Tracking – Finance teams get real-time insights with seamless reconciliation.
- Virtual Travel Cards – Each booking comes with a dedicated virtual card, eliminating manual expense matching.
- Global Reimbursements – Quick and easy reimbursements for employees in 45+ countries and 25 currencies.
Why Do People Choose Navan Over Brex?
Many users find Navan’s interface more intuitive and user-friendly compared to Brex. According to a G2 reviewer, uploading receipts and adding expense details is much simpler with Navan, making expense management quick and hassle-free.
Navan Pricing
Navan is free for the first 50 active users per month, with an additional fee for live travel agent support. For larger teams or custom needs, pricing is available upon request.
2. Airbase
What is Airbase?
Airbase is a spend management and procurement platform that helps businesses simplify expense tracking, payments, and approvals. Built for mid-sized companies, it automates financial processes to save time and reduce manual work. With a 4.8/5 rating on G2, Airbase is a trusted solution for smarter spending.
Why Businesses Choose Airbase
- Easy Audit Tracking – Keep a clear record of all transactions for effortless audits.
- Smarter Accounting Automation – Organize expenses, set payment schedules, and track amortization with ease.
- One-Stop Invoice Management – Process and pay invoices from a single, user-friendly dashboard.
- Real-Time Spending Insights – Get instant updates on company expenses as they happen.
- Simple Receipt Submission – Just email your receipts, and Airbase takes care of the rest.
Why Do Businesses Choose Airbase Over Brex?
Many companies switch to Airbase because it streamlines approvals and consolidates financial tools. One G2 reviewer shared that their company replaced multiple systems, including Brex, with Airbase—making it easier to manage POs, invoices, corporate cards, and reimbursements all in one place.
Airbase Pricing
Airbase offers Standard, Premium, and Enterprise plans, tailored for businesses with 200 to 5,000 employees. Pricing is customized based on your company’s needs.
3. Center
What is Center?
Center is a corporate card and expense management platform designed to help businesses track, control, and manage spending with ease. With a 4.6/5 rating on G2, it’s a trusted solution for smarter financial management.
Key Features
- Seamless Reconciliation – Automate approvals, customize fields, and integrate with ERP systems.
- Flexible Card Controls – Set spending limits and lock inactive corporate cards for added security.
- Real-Time Expense Tracking – Get instant insights into both managed and unmanaged spending.
- Travel Flexibility & Support – Easily modify travel plans with 24/7 customer assistance.
Why Do Businesses Choose Center Over Brex?
Many businesses prefer Center for its intuitive interface and time-saving features. Users praise how easy it is to navigate, track expenses, and streamline approvals—making financial management simpler and more efficient than with Brex.
Center Pricing
Center does not list its pricing publicly. Businesses can request a custom quote based on their specific needs.
4. Spendesk
Center scores 9.3/10 for meeting business requirements and 9.5/10 for ease of use, making it a user-friendly choice. It also earns high marks for quality of support (9.1/10) and ease of administration (8.9/10). With a strong product direction (8.6/10) and great partnership ratings, Center is a reliable expense management solution.
Source: G2 ratings
What is Spendesk?
Founded in Europe in 2016, Spendesk is a spend management platform that helps businesses streamline expense approvals, budgets, and accounting automation. With a 4.7/5 rating on G2, it’s a trusted solution for smarter financial control.
Key Features of Spendesk
- Real-Time Expense Tracking – View all online and offline transactions in one intuitive dashboard.
- Smart Budget & Approval Management – Set team budgets, track requests, and approve expenses effortlessly.
- Automated Invoicing – Streamline invoice processing with approval workflows for better control.
- Secure Virtual Cards – Use single-use virtual cards for one-time purchases and dedicated virtual cards for recurring payments to minimize fraud risks.
Why Do Businesses Choose Spendesk Over Brex?
Users appreciate Spendesk’s transparency in expense approvals. One G2 reviewer highlighted how it clearly shows which invoices are approved, making tracking and managing expenses simpler and more organized than with Brex.
Spendesk Pricing
Spendesk offers custom pricing tailored to businesses of all sizes. Companies can request a personalized quote based on their specific needs.
5. SAP Concur
Spendesk scores 9.3/10 for meeting business requirements and 9.5/10 for ease of use, making it a user-friendly solution. It also earns 9.2/10 for ease of setup, admin, and support, ensuring smooth implementation and reliable assistance. With an 8.8/10 in product direction and strong partnership ratings, Spendesk is a trusted choice for businesses.
Source: G2 ratings
Why Do Enterprises Choose SAP Concur?
Although SAP Concur scores lower than Brex, it remains a go-to choice for large enterprises thanks to its seamless integration with SAP systems and robust travel and expense management features. However, with a 4.0/5 rating on G2, it has the lowest score on our list.
Key Features of SAP Concur
- Built-in Fraud Detection – Automatically flag policy violations and ensure compliance.
- Real-Time Budget Tracking – Gain instant visibility into expenses for better financial control.
- Simplified Accounts Payable – Automate invoice processing from capture to payment.
Why Do Businesses Choose SAP Concur Over Brex?
Many enterprises prefer SAP Concur for its seamless integration with SAP systems and advanced expense management tools. It offers automated compliance monitoring, real-time budget tracking, and robust accounts payable features, making it a strong choice for large organizations managing complex finances.
Why Businesses Choose SAP Concur
As a trusted finance management tool, SAP Concur has a long-standing reputation for streamlining expense management. It’s an ideal choice for businesses already using SAP ERP systems, ensuring seamless integration and efficient financial tracking.
SAP Concur Pricing
SAP Concur offers custom pricing plans, but details are not publicly available.
SAP Concur Reviews & Ratings
- G2: 4.0/5 (6,000+ reviews)
- Capterra: 4.3/5 (2,000+ reviews)
6. Expensify
SAP Concur scores 9.3/10 for meeting business requirements and 9.5/10 for ease of use, making it a reliable choice for expense management. It earns 9.2/10 for setup, administration, and support, ensuring smooth implementation and assistance. With an 8.8/10 in product direction, SAP Concur continues to evolve as a trusted solution for businesses.
What is Expensify?
Expensify is an all-in-one expense management platform that offers corporate cards, expense tracking, invoicing, bill payments, and travel booking. While it ranks lower than Brex on G2, it stands out in key areas, making it a valuable choice for businesses seeking streamlined financial management
Key Features of Expensify
- Easy Receipt Capture – Snap a photo with SmartScan for automatic expense submission.
- Automated Expense Tracking – Expenses are auto-categorized and assigned to the right accounts.
- Flexible Reimbursement – Choose from multiple payout options for faster processing.
- Seamless Integrations – Easily import credit card transactions and link bank accounts.
Why Businesses Choose Expensify Over Brex
Many users appreciate Expensify’s ease of use, with one G2 reviewer highlighting its email uploading feature as a major improvement over traditional expense platforms and manual spreadsheets. It simplifies expense tracking, making it faster and more efficient for businesses.
Expensify Pricing
Expensify offers flexible pricing, ranging from $0 to $36 per user per month, depending on the plan and payment method.
Expensify Reviews & Ratings
- G2: 4.5/5 (5,000+ reviews)
- Capterra: 4.4/5 (1,000+ reviews)
7. Mesh Payments – Best for Smart Spend Control
Mesh Payments is an AI-powered spend management platform that helps businesses automate expenses, control spending, and simplify reconciliation. It’s ideal for companies that rely on virtual corporate cards and need real-time insights into company spending.
Key Features:
- Virtual and physical corporate cards with spending limits and controls
- Automated reconciliation for easier expense tracking
- Real-time visibility into company-wide spending
- Seamless integrations with accounting platforms like QuickBooks and NetSuite
Best for:
Businesses that need advanced spend control, automation, and real-time tracking.
8. BILL Spend & Expense – Best for SMBs
Formerly known as Divvy, BILL Spend & Expense provides an all-in-one expense management solution for small and mid-sized businesses. It offers corporate cards, budgeting tools, and automated receipt matching, making it easy to track and manage business expenses.
Key Features:
- Unlimited virtual and physical cards for employees
- Real-time budgeting and expense tracking
- Automated receipt matching for easy reconciliation
- Flexible repayment options to help manage cash flow
Best for:
SMBs looking for a free, easy-to-use expense management platform with strong spend tracking features.
9. Rho – Best for Banking and Cash Management
Rho is a business banking platform that combines corporate cards, automated accounts payable, and treasury management. It’s a strong Brex alternative for companies needing higher spending limits, advanced banking features, and cash management tools.
Key Features:
- Business banking accounts with high FDIC insurance coverage
- Corporate credit cards with cashback rewards
- Integrated bill payment system for better cash flow management
- Treasury management tools for optimizing reserves and liquidity
Best for:
Companies looking for a full banking solution with corporate credit cards and treasury management.
Best Brex Alternatives for Small Businesses
Brex’s decision to stop serving small businesses by August 15, 2024, has left thousands scrambling to find a new financial partner. Despite small businesses playing a major role in its early success, Brex is now shifting its focus to tech startups and larger companies.
This sudden change is frustrating and disruptive for businesses that relied on Brex Cash, forcing them to move their funds elsewhere. Now more than ever, small businesses need reliable financial tools to manage spending, banking, and procurement to keep operations running smoothly.
Best Brex Alternatives with Business Bank Accounts
One of the biggest reasons companies choose Brex is its built-in banking features. If you’re looking for a business banking alternative, here are some solid options:
- Mercury – Designed for tech startups, Mercury offers checking and savings accounts with FDIC insurance. Their Mercury IO Mastercard also provides 1.5% cashback on select purchases.
- Novo – A great choice for small businesses, Novo provides checking accounts, debit cards, FDIC insurance, and cashback rewards through its business credit card.
- Relay – A digital banking platform that includes checking and savings accounts with bill pay services. The Relay Visa® Credit Card offers 1.5% cashback on all purchases.
How to Choose the Right Financial Platform
There’s no one-size-fits-all solution, so consider these key factors when selecting a Brex alternative:
- Scalability – Your financial tools should be able to grow with your business, handling more transactions, users, and data as you expand.
- Ease of Use – Look for an intuitive interface with helpful documentation to minimize training time and boost productivity.
- Seamless Integrations – The platform should sync with your accounting software, payroll, and CRM to streamline operations.
- Security & Compliance – Ensure the provider offers strong security measures and stays updated on compliance regulations to protect your data.
- Reputation & Reviews – Check platforms like G2 and Gartner for customer reviews and industry recognition before making a decision.
So, What’s the Best Brex Alternative?
Finding the right financial platform depends on your business’s unique needs. Expense Tracker 365, Novo, and Relay are great choices for banking, while other platforms specialize in expense management, receipt scanning and corporate credit cards.
Conclusion
Finding the right Brex alternative depends on your business’s unique needs—whether it’s expense tracking, corporate credit cards, or banking solutions. From Expense Tracker 365 for seamless Expense management with advanced banking features, each option offers distinct benefits. Evaluate your priorities, compare features, and choose a solution that best supports your financial goals.
Frequently Asked Questions
Why should businesses look for Brex alternatives?
Brex recently shifted its focus to venture-backed startups and larger companies, leaving many small businesses searching for alternative corporate credit cards, expense tracking, and banking solutions that better fit their needs.
What are the best Brex alternatives for small businesses?
For small businesses, Expense Tracker 365, BILL Spend & Expense (formerly Divvy), and Mercury offer easy-to-use expense tracking, corporate cards, and banking services designed for growing companies.
Which Brex alternative offers the best corporate credit card?
If you need a corporate card with flexible spending controls, Mesh Payments and Rho are great choices, offering virtual and physical cards, real-time spend tracking, and cashback rewards.
What’s the best Brex alternative for banking solutions?
If you’re looking for a business bank account with financial management tools, Relay and Mercury provide checking and savings accounts with seamless integrations for better cash flow management.
How do I choose the right Brex alternative for my business?
Consider key factors like spend control, integration with accounting tools, banking needs, and automation features. The right alternative depends on whether you need expense management, banking services, or both.
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