Brex review

Brex is the platform to compare against Ramp if your company is spread across borders. The free Essentials plan includes global card acceptance with one local card program, AI-powered custom rules, accounting integrations, local-currency wires, bill pay, reimbursements, real-time reporting, free travel booking and API access, and it supports up to two entities. Premium at $12 per user per month is where the policy engine expands: multiple expense policies with category rules and role-based exceptions, dynamic review chains, approval chains tied to spend limits, AI audit detection, live budgets, VAT documentation and customizable ERP and HRIS integrations across US and international entities. Enterprise adds unlimited entities, local card issuance, collections and reimbursements per country, and a named account manager. Brex also sells a Smart Card for procurement with merchant controls and custom approvals. The tradeoff is that budgets and multiple policies, which many finance teams want early, sit behind Premium rather than the free tier.

Who it is for

Growing companies with several entities or staff in more than one country.

Price

Essentials $0 per user per month; Premium $12 per user per month; Enterprise and Smart Card custom pricing.

Premium For mid-sized companies looking to scale $12 user/month
Quoted from the vendor pricing page on November 7, 2026.

Key features

• Unlimited global cards accepted in 210+ countries and territories
• AI-powered custom rules, bill pay and reimbursements on Essentials
• Up to two entities on Essentials and multi-entity US and international support on Premium
• Dynamic expense review chains and spend limit approval chains on Premium
• Live budgets, VAT documentation and HRIS integrations on Premium

Strengths and weaknesses

• Strength: Essentials is free and includes bill pay, travel booking and API access
• Strength: Premium is the lowest per-user paid price among the card platforms here
• Strength: Local-currency cards and billing are available in 50+ countries
• Weakness: Multiple expense policies and live budgets need Premium
• Weakness: Local card issuance per country and unlimited entities are Enterprise features
• Weakness: The procurement-focused Smart Card is quoted only through sales

Key facts

• Essentials: $0 per user per month
• Premium: $12 per user per month
• Entities on Essentials: Up to two (1 global entity)
• Card acceptance: 210+ countries and territories

Where it ranks

Brex is No. 2 in our Best Spend Management Software verdict.