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The 5 Best Brex Alternatives: Which Of These Brex Competitors Is Right For Your Business?

Is Brex a bad fit for your small business? Check out the pros & cons of these top Brex alternatives & find the perfect corporate card for your business.

    Jason Vissers

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Brex has attracted a lot of attention with its pioneering corporate credit card. However, since many businesses seeking a corporate card will not qualify for a Brex card — or will otherwise find Brex to be a poor fit — we’re highlighting several Brex alternatives that may better suit your business.

We evaluated numerous corporate credit cards for possible inclusion in this list, and we’ve selected the best Brex competitors for a variety of different business types and circumstances. By highlighting corporate cards that fit different business needs, we’re hoping you’ll find an option among these Brex competitors that gives you exactly what you need.

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CompanyBest ForNext StepsBest For

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  • Best overall Brex alternative for business
  • 1.5% cash back on all purchases
  • Must have $75K+ in the bank
  • Best overall Brex alternative for business
  • 1.5% cash back on all purchases
  • Must have $75K+ in the bank

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BILL Spend & Expense

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  • Best Brex alternative for travel
  • Up to 7X points on restaurants & 5X points on hotels
  • Must typically have $20K+ in the bank and good/excellent credit
  • Best Brex alternative for travel
  • Up to 7X points on restaurants & 5X points on hotels
  • Must typically have $20K+ in the bank and good/excellent credit

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Stripe Corporate Card

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  • Best for businesses using Stripe for processing
  • 1.5% cash back on all purchases
  • Must use Stripe for payment processing to apply
  • Best for businesses using Stripe for processing
  • 1.5% cash back on all purchases
  • Must use Stripe for payment processing to apply

Apply Now

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  • Best Brex alternative for large businesses
  • Up to 4% cash back for 3 months & 2% cash back for the rest of the year
  • No eligibility information disclosed
  • Best Brex alternative for large businesses
  • Up to 4% cash back for 3 months & 2% cash back for the rest of the year
  • No eligibility information disclosed

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  • Best Brex alternative for cash back
  • Up to 2.2% cash back on all purchases
  • No eligibility information disclosed
  • Best Brex alternative for cash back
  • Up to 2.2% cash back on all purchases
  • No eligibility information disclosed

Visit Site

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Read more below to learn why we chose these options.

When Brex Isn't The Best Corporate Card Choice

The Brex card is an outstanding corporate card for businesses that have a high cash flow but may be struggling with a poor or limited credit history.

However, many businesses will find that the Brex card is either inaccessible to them (especially after Brex’s eligibility requirements were tightened in 2022 to exclude most small businesses) or is simply a poor business fit.

If any of the following is true, you may want to choose a corporate card from our list of Brex alternatives rather than going with Brex itself.

  • Your business has less than 50 employees, makes less than $1 million in annual revenue, and has never received an equity investment
  • Your business is not a tech startup on a path to meeting any of the above criteria and has not been referred to Brex by an existing customer or partner
  • You want a corporate card you can use to carry a balance from month to month when needed
  • You don’t want to exclusively use your Brex card for business expenses (if you charge business expenses to another card in addition to your Brex card, you’ll earn a meager 1x rewards for your Brex spending)
  • You want to repay your Brex card on a monthly (rather than daily) basis, but your business earns less than $400K/month in revenue
  • You want a corporate credit card that offers a welcome bonus

The 5 Best Brex Alternatives

The best Brex alternative for your business will offer the expense management and accounting features your company needs while accruing rewards or cash back for your spending. It must also be accessible to your size and type of business. One of these Brex competitors should meet your business needs.

Ramp: Overall Best Brex Alternative For Business

Total Rating 4.5
Rewards & Perks4.0

Rates & Fees5.0


Eligibility Requirements5.0

Customer Service4.5

User Reviews4.5

Rewards Rate

Unlimited 1.5% cash back on all purchases

Annual Fee

$0 for the standard package, $12/user/month for Ramp Plus

Business Size

Corporations and LLCs with $75K+ in the bank


  • Unlimited 1.5% cash back
  • Automated accounting
  • Precise spend controls
  • No fees


  • Available only to US-based non-individual liability companies
  • At least $75K in the bank required to apply

ramp corporate card

The Ramp corporate card, complete with personalized branding

Why We Chose Ramp As The Best Overall Brex Alternative

If your corporation or non-individual LLC needs a corporate card with precise spend controls, automated accounting, and a complete lack of fees, consider Ramp. It really is the complete package. Companies with less than 75 grand in the bank will need a different Brex alternative, however.

With no fees whatsoever, unlimited flat-rate cash back, automated accounting, and expense management, Ramp has something to offer just about any qualifying business. Along with many of the same features shared by other corporate cards, Ramp offers extraordinarily precise spending control. Ramp claims to offer the only card on the market that can "block or restrict spend to a specific vendor—on a specific card or for your entire company."

Ramp Rewards

Ramp's cash back program is very straightforward. You'll earn 1.5% cash back on all purchases made with the Ramp card, with no spending categories to track and no spending thresholds to meet. Your cash back will be redeemed as a statement credit.

Ramp Corporate Card Features

Ramp's main selling point is an automated savings tool that uses algorithms to notify you of duplicate subscriptions, redundant software purchases, lower pricing tiers, and the like. It's the rare credit card that encourages you to spend less. Let's see what else you'll get with the Ramp corporate card:

  • Physical and virtual cards
  • Automated accounting that integrates with QuickBooks, Xero, & NetSuite
  • Pay bills by card, check, or ACH
  • Instant receipt collection via integrations with Gmail, Lyft, & Amazon Business
  • Set flexible expense policies
  • Precision spend controls
  • Add your brand logo to your cards
  • Lots of HR integrations
  • Receive alerts for big transactions
  • Partner rewards with Amazon Web Services, Notion, Slack, and other services

Ramp Pricing & Fees

Ramp is completely free. There are no monthly fees, no foreign transaction fees, no late fees, no fees for employee cards, and because the card is a charge card, no APR. None of the accounting or reporting features cost anything, either.

Ramp Eligibility Requirements

To apply for Ramp, your company must be a corporation or a non-individual limited liability company -- individuals, sole proprietorships, and unregistered businesses need not apply. You must also have at least $75K in the bank. When assessing your application, Ramp looks at your company’s cash balance, cash flows, and other financial health indicators. No personal guarantee is required.

Get Started With Ramp

Read our in-depth review

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Divvy: Best Brex Alternative For Travel

BILL Spend & Expense

Total Rating 4.3
Rewards & Perks4.4

Rates & Fees4.5


Eligibility Requirements3.4

Customer Service4.5

User Reviews4.2

Rewards Rate

Up to 7X points on restaurants

Up to 5X points on hotels

Annual Fee


Business Size

Small-to-mid-sized businesses

Must generally have $20K+ in the bank


  • High rewards rate for spending on restaurants & hotels
  • Free expense management
  • Free physical and virtual cards for employees


  • Non-travel rewards redemption options are lackluster
  • Foreign transaction and late payment fees

divvy corporate card

The Divvy corporate card

Why We Chose Divvy As The Best Brex Alternative For Travel

Businesses that spend a lot on restaurants and hotels stand to rake in the rewards with the Divvy card -- it's why this card was a natural fit for this list. The card's rewards increase in direct proportion to how often you pay off your statements, You'll also gain access to some nice expense management features, accounting integrations, and an intuitive mobile app. However, the foreign transaction fees make it a less-than-ideal fit for international transactions.

Divvy Rewards

The spending categories that earn you bonus points with Divvy are restaurants, hotels, and recurring software subscriptions. The rate at which you'll earn rewards depends on whether you choose to automatically pay off your balance on a weekly, bi-weekly, or monthly basis (Divvy's card is a charge card, so you can't carry a balance month-to-month). The card's rewards program is particularly lucrative for businesses that can pay off the card each week, and that spend a lot on restaurants and hotels.

  • Pay off your balance weekly and earn 7X points on restaurants, 5X on hotels, 2X on recurring software subscriptions, and 1.5X on everything else
  • Pay off your balance bi-weekly and earn 4X points on restaurants, 3X on hotels, 1.75X on recurring software subscriptions, and 1X on everything else
  • Pay off your balance monthly and earn 2X points on restaurants, 2X on hotels, 1.5X on recurring software subscriptions, and 1X on everything else

Rewards can be redeemed for travel, gift cards, a statement credit, and cash back. Travel is the most lucrative redemption method at 1 cent per point redeemed -- otherwise, your points are worth around a half-cent.

Divvy Corporate Card Features

Divvy's corporate card automatically integrates with Divvy's free expense management software, which gives you automatic expense reporting, real-time transaction detail collection, and the ability for users to take pictures of receipts. Let's go through what else you'll get:

  • Free physical and virtual cards for employees
  • Set spending and budget limits
  • Spend tracking -- get details on spending by department, team, project, or individual
  • Input a vendor and add payment, and Divvy takes care of your bill payment
  • Flex Limit: For qualified customers, Divvy will pay your vendor first, while you pay Divvy on a later date. Paying with these plans incurs a set fee (between 0.9% and 1.9%), and you can repay over one, two, or three months
  • Accounts Payable automation
  • Accounting integrations with QuickBooks Online & NetSuite
  • Flexible credit line that grows as your business grows
  • Credit builder program that helps you build business credit
  • Additional credits & discounts from Amazon Web Services, Google Ads, FedEx Office, and more

Divvy Pricing & Fees

Divvy is a corporate charge card, so there is no APR, nor is there an annual fee. However, there are foreign transaction fees. There's a cross-border fee of 0.90% of the total transaction volume for US-based users and a currency conversion fee of 0.20% of the total transaction volume for all users.

In addition, late payments incur a fee of 2.99% or $38, whichever is greater.

Divvy Eligibility Requirements

A business must have a US bank account and a US EIN in order to apply. When applying, you’ll need to sign up for a demo first, at which point Divvy will tell you if your company qualifies. Divvy's eligibility page states that applicants "typically" must have good to very good business and personal credit to qualify and that while cash balance requirements can vary, you must typically have $20K+ in an active account.

Furthermore, according to Divvy, an international company may sign up if at least one owner with 25% ownership or more is a US citizen or resident.

Get Started With BILL Spend & Expense

Read our in-depth review

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Stripe Corporate Card: Best Brex Alternative For Businesses Using Stripe For Processing

Stripe Corporate Card

Apply Now

Annual Fee


Minimum Recommended Credit


Rewards Rate

1.5% cash back


  • 1.5% cash back on all business purchases
  • No annual fee or foreign transaction fee
  • Custom spend controls


  • Must use Stripe for payment processing to apply
  • You need to “request an invitation” before applying

stripe corporate card

The Stripe Corporate Card

Why We Chose The Stripe Corporate Card As The Best Brex Alternative For Businesses Using Stripe For Processing

If you use Stripe for payment processing and you want a corporate card that lacks most common credit card fees and sports strong cash back earning rates, the Stripe Corporate Card is a formidable Brex competitor. Because the card is a charge card that automatically debits your bank account each month, however, it's not for businesses needing help with cash flow management.

Stripe Corporate Card Rewards

Corporate credit cards don't typically come with generous rewards programs, so the unlimited 1.5% cash back you'll earn on all business purchases is pretty good! There are no limits to the amount of cash back you can earn, and your cash back balance is automatically credited to your monthly bill -- you won't have to remember to activate your rewards.

Stripe Corporate Card Features

Since you'll need a Stripe processing account to apply for the card, Stripe already has your business information -- you won't have to provide any additional paperwork, and no personal guarantee is required. What's more, your credit limit is based on your processing & bank history, so your credit line can grow with your business.

You'll also be free of most extraneous fees and have access to a host of additional partner benefits, among other services. Here's what you'll get:

  • No annual fees, foreign transaction fees, or late fees
  • Set custom spend controls for your employees
  • Real-time expense reporting
  • Ready-made integrations with finance software, including Expensify, QuickBooks, and Xero
  • Upload your company logo from your Stripe dashboard and it will appear on your corporate card
  • Additional partner benefits, including:
    • $150 Google Ads credit
    • 25% off Slack for 12 months
    • Zendesk -- 6 months free
    • 50% off Expensify for 6 months

Stripe Corporate Card Pricing & Fees

The Stripe Corporate Card is a charge card that doesn't let you carry a balance, so there is no APR. What's more, Stripe doesn't charge an annual fee, foreign transaction fees, late fees, or card replacement fees. You won't be nickel-and-dimed with the Stripe Corporate Card.

Stripe Corporate Card Eligibility Requirements

You must use Stripe payment processing to be eligible. Beyond that, Stripe doesn't rely on personal credit scores when determining eligibility -- instead, Stripe looks at your payment volume (Stripe doesn't specify a minimum volume), history with Stripe, and bank account history. Additionally, your business must be US-based.

Unfortunately, you'll have to first request access to the card's application page before applying, as Stripe refers to the card's current state as a beta program. Once you get the email from Stripe inviting you to apply, you'll be able to complete the application quickly because, as a Stripe user, Stripe already has all your relevant business information. After approval, you'll be able to start using a virtual card within minutes.

Get Started With Stripe Corporate Card

Read our in-depth review

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Expensify: Best Brex Alternative For Large Businesses


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  • High cash back rate for companies with a high level of monthly spending
  • Great receipt imaging & expense management capabilities
  • Trip reservation management


  • Convoluted pricing
  • High level of spending required to activate cash back

expensify corporate card

The Expensify corporate card

Why We Chose Expensify As The Best Brex Alternative For Large Businesses

Large companies with the complexity required to take full advantage of Expensify's advanced expense tracking, receipt imaging, and workflow optimization should look into the Expensify Card.

The Expensify Card is a corporate card designed to be used with the Expensify app. Expensify's automated expense management platform is tailored to the needs of larger businesses, and, accordingly, its corporate card reserves its highest rewards-earning rates for companies with a high rate of monthly spending.

With advanced receipt scanning and management, a wide variety of business integrations, and more, Expensify's corporate card can help larger businesses manage their complex needs, making it a solid Brex alternative.

Expensify Rewards

Expensify's cash back program is based not on spending categories but on how much your business spends per month. Spend between $25K/month and $250K/month for your first three months, and you'll earn 2% cash back for those first three months and 1% monthly cash back thereafter if you maintain that level of spending. Spend over $250K/month as a company, and you'll get 4% cash back for your first three months and 2% afterward.

Of course, this means that if your business spending comes to less than $25K/month, you won't get any cash back. It's an indication of the type of business targeted by Expensify.

Expensify Corporate Card Features

Expensify's platform encompasses a broad array of expense management, invoicing, bill payment, and travel features. Here are the highlights:

  • Receive IRS-guaranteed eReceipts for all but the largest of purchases
  • One-click receipt scanning
  • Multi-level approval workflows
  • Corporate card reconciliation
  • Advanced tax tracking
  • Accounting, travel, & HR integrations
  • Mass invoicing
  • Monitor payments
  • Trip reservation management
  • Additional perks & discounts from Amazon Web Services, QuickBooks, Stripe, Slack, and more

Expensify Pricing & Fees

The Expensify Card doesn't let you carry a balance (Expensify automatically debits your bank account daily), so there is no APR. In addition, there are no foreign transaction fees. As for monthly fees, that depends on your subscription tier.

  • Businesses signing up for the Free plan pay no monthly fees and get Expensify Cards for their employees, and you can reimburse expenses, pay bills, and send invoices.
  • Under the Collect plan, you pay $5/user/month and get additional features, such as expense approval, accounting integrations, custom coding, and the ability to set smart limits.
  • Under the Control plan, you pay $9/user/month and get all the other features plus multi-level approval, expense policies, custom reporting, and access control.

Two caveats regarding the above pricing: these prices are based on the annual pricing plan, which is discounted 50% from month-to-month pricing. Additionally, you'll only get these prices if at least 50% of your company's spend is on the Expensify Card. If this isn't the case, you'll pay twice as much per user/month. Lastly, individuals and the self-employed can use Expensify (without the corporate card) to track and submit up to 25 receipt SmartScans per month. Processing more receipts per month will cost you $4.99/month.

Expensify Eligibility Requirements

Companies with a US business bank account are eligible for the Expensify Card. Beyond that, Expensify doesn't provide any details as to how it evaluates applicants, so you'll have to contact Expensify for more information on the subject. We do know, however, that your business doesn't have to be a corporation or LLC to apply for the card.

Get Started With Expensify

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Airbase: Best Brex Alternative For Cash Back


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  • High cash back rate
  • Numerous integrations
  • Advanced expense management & accounts payable features


  • Non-transparent pricing for the more advanced packages
  • Unlike other corporate cards listed here, no extra discounts with partner services

airbase card

The Airbase corporate card

Why We Chose Airbase As The Best Brex Alternative For Cash Back

Spend management platform Airbase offers corporate cards with relatively high cash back rates to smaller companies for no monthly fee whatsoever, making the inclusion of Airbase in our list a no-brainer. For larger companies, Airbase offers more advanced feature packages, pricing for which is quote-based. As for the cards themselves, Airbase offers both a pre-paid card and a charge card.

Airbase's extensive spend management and accounts payable features make it an attractive choice for companies with complex needs.

Airbase Rewards

Airbase claims to offer the highest cash back rate on the market.

Your cash back rate will depend on whether you're using Airbase's pre-paid card (2.2% unlimited cash back) or Airbase's charge card (1.6% unlimited cash back). Notably, this cash back rate applies even to free accounts -- you won't have to spring for one of the paid plans to get it.

As for Airbase's claim to offer the most cash back of any corporate card, the pre-paid card's 2.2% cash back beats the 1.5% cash back rate offered by Ramp and the Stripe corporate card. Expensify's corporate card lets the highest-spending companies earn 4% cash back, but only for the first three months of card use. Therefore, Airbase's claim is mostly true. Of course, Airbase's charge card offers a reduced cash back rate of 1.6%, but that's still pretty good for a corporate card.

Airbase Corporate Card Features

Airbase offers accounts payable and expense management features along with its two corporate cards. Here's just some of what Airbase has to offer:

  • Physical cards
  • One-time, recurring, and vendor-specific virtual cards
  • Domestic and international bill payments with ACH, check, and international payments to 200 countries
  • Employee expense reimbursements
  • Real-time reporting
  • Automated sync to any general ledger
  • Integrations with basic general ledger systems, complex ERP systems, HRIS systems, and security software
  • Straight-line amortization (paid plans only)
  • Purchase orders (optional; paid plans only)
  • Multi-currency support (Enterprise plan only)

Airbase Pricing & Fees

You can get either of Airbase's corporate cards for no monthly or annual fee. Airbase claims there are no other fees associated with the cards, which we take to mean there are no foreign transaction fees. You'll gain access to your cash back at the end of every month.

For the most advanced features, you'll need to upgrade your free subscription to either a Growth subscription or an Enterprise subscription. Pricing for each of these plans is quote-based, so we don't have any pricing information on these plans.

Airbase Eligibility Requirements

No personal guarantee or credit check is required to sign up with Airbase. Unfortunately, Airbase doesn't spell out any other requirements you'll need to meet in order to get an Airbase card.

Get Started With Airbase

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Corporate Card Review Methodology

We spend hours researching and evaluating each corporate card that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

When rating corporate cards, we use a 15-point rubric that looks at rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. We weigh each section differently to calculate the total star rating.

  • Rewards & Perks: 40% of the total star rating
  • Rates & Fees: 25% of the total star rating
  • Features: 20% of the total star rating
  • Eligibility Requirements: 5% of the total star rating
  • Customer Support: 5% of the total star rating
  • User Reviews: 5% of the total star rating

Note: We use a different credit card rating methodology to evaluate traditional business credit cards, as they often differ from corporate cards in benefits, qualifications, and use cases.

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like cash back and spending rewards, reward redemption options, annual fees, employee card access, extra perks and features, credit score and revenue requirements, customer support options, and the overall reputation of the corporate card issuer.

Read more about our corporate card rating methodology.

Which Brex Alternative Is Right For Your Business?

As you can see, there’s a high degree of convergent evolution in the corporate card field, with the leading Brex alternatives offering rewards and benefits that are largely similar to one another. Still, differences remain in terms of cost, eligibility requirements, and more. As such, the “best” Brex card alternative will be the card that offers the specific features your business needs without costing more than it should.

To learn more about your corporate credit card options, check out our post on the best corporate credit cards. And to learn more about corporate cards in general, check out our guide to getting a corporate credit card for your business.

Brex Alternatives FAQs

Who are Brex competitors?

Brex’s competitors include the Stripe Corporate Card, Divvy, Expensify, Airbase, and Ramp.

What is the best Brex alternative?

No single corporate card is the best Brex alternative for every business. However, our favorite Brex alternative, Ramp, combines many of the benefits of Brex with features Brex doesn’t offer, like the ability to set daily spending limits.

What are Brex's fees?

Brex charges no fees whatsoever — no annual or monthly fees, no foreign transaction fees, no late fees, no ACH fees, no wire transfer fees, nor any other fees. Learn more by reading our in-depth Brex review.

Is Divvy better than Brex?

Divvy is better than Brex in some ways and worse in others. Divvy is easier to qualify for, as there is no minimum bank balance requirement. And despite being a charge card, Divvy effectively offers financing on certain purchases so you can spread out the cost of a big purchase, which Brex does not allow.

However, Brex offers slightly higher reward rates for businesses using Brex as their exclusive corporate card, and unlike Brex, Divvy charges foreign transaction fees and late payment fees.

Why is Brex's minimum bank balance so high?

Brex’s target market is startup companies with high growth potential, and in the company’s judgment, a company’s business bank balance is a better indicator of creditworthiness than a company’s credit score.

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Jason Vissers

Jason Vissers

Senior Staff Writer at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine,, GoBankingRates,, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
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