Brex VS Bill Comparison

BILL Spend & Expense and Brex both offer corporate cards and spend management tools, but they serve different business needs.

Here’s how they compare on rewards, fees, eligibility, features, and which one may be the better fit.

BILL VS Brex Corporate Card: At A Glance Comparison

BILL Spend & Expense and Brex are both strong corporate card options, but they’re built for different types of businesses.

BILL Spend & Expense is generally a better fit for businesses that want corporate cards, budgeting tools, expense management, and BILL’s broader accounts payable and accounts receivable tools. It may also be more accessible to smaller businesses than some corporate card competitors.

Brex is geared more toward startups, venture-backed companies, mid-market businesses, and scaling companies that want corporate cards, spend management, travel, rewards, and business account tools in one platform.

The biggest differences come down to eligibility, rewards, repayment terms, and the extra financial tools each platform offers. If you already know which card is the better fit, you can read our full BILL Spend & Expense review or Brex review. Otherwise, keep reading for a closer comparison of rewards, fees, features, eligibility, and more.

Where BILL Wins

Where BILL Falls Short

Where Brex Wins

Where Brex Falls Short

BILL VS Brex Pricing & Fees Compared

Pricing and fees are one of the biggest differences between BILL Spend & Expense and Brex.

Brex plans start at $0/user/month, with more advanced features available through paid plans. Businesses can access Brex corporate cards and core spend management tools without paying an annual card fee, though some products, services, or advanced features may have associated costs.

BILL Spend & Expense also has no subscription or per-user software fees for its spend and expense tools. Businesses can issue physical and virtual cards, add cardholders, access budgets, use spend controls, and manage expenses without a separate software subscription for BILL Spend & Expense. However, standard card and payment fees may apply.

BILL Spend & Expense users should watch for fees such as a cross-border fee of 0.90% of total transaction volume when the account user is US-based; 0.20% when the account is Canada-based, a currency conversion fee of 0.20% of total transaction volume, and a late payment fee of 2.99% or $38, whichever is greater.

Brex may have the edge for businesses that want corporate cards, spend management, travel, and business account tools in one platform. BILL may be the better fit for businesses that want spend and expense tools connected to BILL’s broader accounts payable, accounts receivable, and cash account products.

For some businesses, these fees may not be the deciding factor. But if your team makes international purchases, needs bill pay, or wants broader financial operations tools, pricing could play a major role in choosing between BILL Spend & Expense and Brex.

BILL VS Brex Rewards & Features Compared

Both BILL Spend & Expense and Brex offer corporate cards, expense management, spend controls, and accounting integrations. The biggest difference is the broader financial ecosystem around each card.

BILL Spend & Expense focuses on budgeting, expense tracking, approvals, and spend controls. It also connects with BILL’s broader accounts payable and accounts receivable tools, which can be useful for businesses that already use BILL to manage bills and invoices.

Brex offers a broader finance platform with corporate cards, expense management, bill pay, travel, accounting automation, integrations, and business account tools. Brex’s business account includes checking, treasury, and vault features.

Only BILL Spend & Expense Offers

• Budgeting tools
• A tool to track and help build business credit
• Accounts payable and accounts receivable tools through BILL
• No subscription or per-user software fees for BILL Spend & Expense

Only Brex Offers

• Built-in travel management
• Brex business account tools, including checking, treasury, and vault features
• Broader global, multi-entity, and advanced accounting automation features
• A larger ecosystem of ERP, accounting, and software integrations

BILL VS Brex Eligibility Requirements Compared

BILL Spend & Expense may be more accessible for some small businesses than Brex, but eligibility is still based on your business profile, bank connection, revenue, and available cash. BILL’s application may ask for information such as your legal business name, business address, entity type, formation date, annual revenue, Tax ID/EIN, desired credit line, and a secure bank connection.

BILL says eligibility requirements vary, but cash balances typically need to be greater than $20,000 in an active account.

Brex has stricter business structure requirements. Only companies organized and registered in the US, such as C-corps, S-corps, LLCs, or LLPs, may apply for a Brex account. Brex does not currently allow individual consumers, sole proprietors, or unincorporated partnerships to open an account.

Brex eligibility also depends on factors such as business type, revenue, cash flow, funding, financial health, and repayment terms.

Overall, BILL Spend & Expense may be easier for some smaller businesses to qualify for, while Brex is generally better suited for startups, mid-market businesses, enterprises, and growing companies that meet Brex’s underwriting requirements.

Which Is Better For My Business: BILL Or Brex?

BILL Spend & Expense and Brex are both strong corporate card options, but they’re built for different business needs.

BILL Spend & Expense is generally better for businesses that want corporate cards, budgeting tools, spend controls, expense tracking, and access to BILL’s broader accounts payable and accounts receivable tools. It may also be a better fit for businesses that want a $0/user/month spend and expense plan with flexible credit options.

Brex is generally better for startups, venture-backed companies, mid-market businesses, and scaling companies that want corporate cards, spend management, travel, rewards, accounting automation, and business account tools in one platform.

The biggest differences come down to eligibility, rewards, fees, repayment terms, and the broader financial tools each platform offers.

Choose BILL If…

• You want corporate cards with budgeting and expense management tools
• You want a $0/user/month spend and expense plan
• You want access to BILL’s broader accounts payable and accounts receivable tools
• You want flexible credit options through BILL Spend & Expense
• You can meet BILL’s rewards requirements and are comfortable waiting to redeem points
• Most of your employee spending happens in the US

Choose Brex If…

• You’re a startup, venture-backed company, mid-market business, or scaling company that can meet Brex’s eligibility requirements
• You want corporate cards, spend management, travel, bill pay, and business account tools in one platform
• You want no foreign transaction fees
• You want a rewards program with no rewards cap
• You can qualify for Brex Exclusive rewards
• You need broader integrations, global tools, or more advanced finance automation

If neither BILL Spend & Expense nor Brex seems like the right fit, compare more of the best corporate cards to find a better match. Once you’ve chosen a card, our guide on how to get a corporate card can help you understand what to expect before applying.