Brex is a well-known financial platform used by startups and growing businesses for corporate cards and expense management. But every business works differently, and some may need better international payments, stronger automation, or features built for specific industries.
We created this list by analyzing G2 ratings of corporate card providers and expense management tools like Brex. We also reviewed customer feedback to understand real user experiences. By combining our research with these insights, we shortlisted the top 10 Brex alternatives that are worth exploring.
In this guide, we’ll look at some of the best alternatives to Brex. We’ll break down their key features, benefits, and where they work best.
Whether you’re looking for easier expense tracking, flexible company cards, or smooth banking solutions, this list will help you choose the right option for your business.
What is Brex?
Brex is a financial platform designed for startups and growing companies. It offers corporate cards, expense tracking, and financial tools in one system.
Pros
- Strong corporate card offering
- Good rewards system
- Easy onboarding for startups
- Built-in expense tracking
Why Look for Brex Alternatives
- Focused heavily on startups and venture-backed companies
- Limited customization for larger or traditional businesses
- Not always suitable for global operations
- Some features may not match enterprise-level needs
Because of these limitations, many companies start exploring alternatives for Brex that align better with their workflows.
10 Brex Alternatives & Competitors
Choosing the right expense management platform is important, especially when your business needs more flexibility, control, or integration than Brex offers. Here are some best alternatives to consider.
Alternatives | Integration | G2 Ratings |
Expense 365 | SharePoint, MS Teams, Outlook, Power BI, Power Automate, QuickBooks and Xero | 4.8/5 |
Zoho Expense | Connects with all Zoho apps | 4.5 |
Navan | NetSuite, QuickBooks, Slack | 4.7 |
Paylocity | NetSuite, QuickBooks, Xero | 4.5 |
Ramp | Sage Intacct, QuickBooks, Xero | 4.8 |
Spendesk | Xero, Slack and Okta | 4.6 |
SAP Concur | SAP, Oracle, Workday | 4 |
Expensify | QuickBooks, Sage, Xero, deel and Gusto | 4.5 |
Bill | QuickBooks, Xero, and Oracle NetSuite | 4.5 |
Emburse | Xero, Lyft, QuickBooks and NetSuite | 4.3 |
10 Best Brex Alternatives & Competitors
Finding the right Brex alternative is essential for businesses that need better control over expenses, flexible financial tools, and solutions that align with their size and growth stage.
1. Expense 365
Expense 365 is more than just an expense tracking tool it is a financial operations layer built for businesses that rely on Microsoft tools daily. Instead of working as a separate system, it connects directly with Microsoft 365 apps allowing finance teams to manage expenses and approvals within a familiar environment. What makes Expense 365 stand out is its dual focus on expense management and contract lifecycle visibility. This makes it a strong Brex alternative for companies that want deeper financial insights tied to operational data.
Key Features
- Native integration with Microsoft 365 ecosystem
- Real-time expense capture and categorization
- Multi-level approval workflows based on roles
- AI-powered receipt scanning
- Mileage Tracking
- Automated multi-level approvals
- Corporate card management
- Expense audit and monitoring
- Per Diem
- Power BI dashboards for advanced reporting
- Centralized document and receipt storage
- Role-based access control for finance teams
Why Choose Expense 365 as Brex Alternative
Expense 365 is ideal for businesses already working within Microsoft tools. It offers stronger reporting capabilities and connects financial data with contracts, which Brex does not deeply cover.
Free Trial
Yes
2. Zoho Expense
Zoho Expense is part of the Zoho ecosystem and is widely used by small and mid-sized businesses. It offers expense tracking, reporting, and approval workflows at a lower cost compared to many competitors. Its integration with other Zoho products makes it a practical choice for businesses already using Zoho tools. As a Brex alternatives, Zoho Expense is known for affordability and ease of use.
Key Features
- Expense tracking and categorization
- Receipt scanning
- Approval workflows
- Mileage tracking
- Budget monitoring
- Reporting dashboards
- Integration with Zoho apps
- Multi-currency support
Why Choose Zoho Expense as Brex Alternative
Zoho Expense is ideal for businesses looking for a cost-effective solution with essential expense management features.
Free Trial
Yes
3. Navan (formerly TripActions)
Navan brings together travel booking and expense management into one connected platform. Instead of treating travel and expenses as separate processes, Navan links them from the start when an employee books a trip, the expense data is already structured and ready for reporting. This reduces manual work and gives finance teams visibility into travel expense in real time. Navan focuses more on travel-driven spending rather than general expense control.
Key Features
- Integrated travel booking (flights, hotels, cars)
- Automated expense reporting from bookings
- Real-time spend visibility
- Company travel policy enforcement
- Rewards system for cost-saving choices
- Mobile-first expense submission
- Approval workflows for trips and expenses
- Integration with accounting systems
Why Choose Navan as Brex Alternative
Navan is a strong fit if your company spends heavily on travel and needs better control over travel-related expenses.
Free Trial
Yes
4. Paylocity
Paylocity offers expense management capabilities as part of its broader workforce platform, helping businesses track employee expenses alongside payroll and HR data. It is commonly used by mid-sized companies that want to manage expenses, employee expense reimbursement, and employee records within a single system. Among Brex alternatives, Paylocity can be considered by businesses that prefer connecting expense tracking with payroll and employee.
Key Features
- Expense tracking and categorization
- Receipt capture and storage
- Approval workflows for expenses
- Automated reimbursement tracking
- Policy-based expense controls
- Real-time expense visibility
- Reporting and analytics
- Mobile expense submission
Why Choose Paylocity as Brex Alternative
Paylocity is a good option for businesses that want expense management integrated with payroll and HR processes instead of managing them separately.
Free Trial
No
5. Ramp
Ramp is designed for finance teams that want full control over company spending across multiple channels. It combines accounts payable, corporate cards, and expense tracking into one system, giving a complete view of how expense flows through the business. Ramp also covers vendor payments and bill processing, making it suitable for companies managing both operational and vendor-related expenses. This Brex alternatives, Ramp stands out for its ability to handle both employee expenses and company payables in one place.
Key Features
- Corporate cards with spend controls
- Accounts payable automation
- Vendor and bill management
- Approval workflows across departments
- Real-time spend tracking
- Audit trails for compliance
- Multi-entity support
- Integration with accounting platforms
Why Choose Airbase as Brex Alternative
Airbase is ideal for companies that want one platform to manage cards, invoices, and payments together instead of using separate tools.
Free Trial
Connect with sales team
6. Spendesk
Spendesk is built to give companies better control over team-level spending. It allows businesses to allocate budgets to departments and track how each team uses its funds. It supports both physical and corporate card, invoice payments, and subscription tracking. Spendesk is one of the popular Brex alternatives, known for its strong budgeting capabilities and detailed control over company spending.
Key Features
- Virtual and physical cards
- Department-level budget allocation
- Invoice and bill management
- Subscription tracking
- Approval workflows
- Spend analytics dashboards
- Integration with accounting tools
- Expense reporting
Why Choose Spendesk as Brex Alternative
Spendesk is ideal for businesses that want clear control over departmental budgets and spending limits.
Free Trial
Yes
7. SAP Concur
SAP Concur is one of the most widely used expense management platforms, especially among large enterprises. It offers travel management, mileage tracking, and invoice processing within a single system. It is built for organizations that operate across multiple regions and need strong compliance and reporting capabilities. SAP Concur is one of the leading Brex alternatives, better suited for large-scale operations with complex requirements.
Key Features
- Travel booking and expense tracking
- Invoice management
- Policy enforcement tools
- Global compliance support
- Mobile app for expense reporting
- Advanced analytics
- Integration with ERP systems
- Multi-currency support
Why Choose SAP Concur as Brex Alternative
SAP Concur works best for enterprises that require strong compliance, global support, and ERP integration.
Free Trial
Connect with sales team
8. Expensify
Expensify is known for its simplicity and ease of use. It focuses on helping businesses track expenses, scan receipts, and generate reports quickly. It is popular among small and mid-sized businesses because it is easy to set up and requires minimal training. Among Brex alternatives, Expensify provides a straightforward and easy-to-use solution for managing expenses.
Key Features
- Smart receipt scanning
- Automated expense reports
- Corporate card support
- Reimbursement tracking
- Approval workflows
- Mobile app
- Accounting integrations
- Expense categorization
Why Choose Expensify as Brex Alternative
Expensify is a good choice for teams that want a simple and easy-to-use expense tracking system.
Free Trial
Yes
9. Bill (Formerly Divvy)
Bill combines budgeting and expense management into one platform. It allows businesses to assign budgets to teams and track spending against those budgets in real time. It also provides corporate cards that are linked to specific budgets, giving finance teams better control over spending.
Key Features
- Budget allocation by team or project
- Corporate cards linked to budgets
- Real-time expense tracking
- Spend insights and analytics
- Mobile expense management
- Approval workflows
- Integration with accounting tools
- Reporting dashboards
Why Choose Divvy as Brex Alternative
Divvy is suitable for companies that want to control spending through structured budgets.
Free Trial
Yes
10. Emburse
Emburse offers a range of financial tools that go beyond expense tracking. It includes solutions for invoicing, travel management, and payments, making it a flexible option for businesses with diverse financial needs. Among Brex alternatives, Emburse offers broader functionality across financial operations. It is designed for companies that want multiple financial processes managed within one expense management tool.
Key Features
- Expense management tools
- Invoice processing
- Travel expense tracking
- Policy compliance tools
- Reporting and analytics
- Integration support
- Workflow automation
- Mobile access
Why Choose Emburse as Brex Alternative
Emburse is a good fit for businesses that want more than just expense tracking and need additional financial tools.
Free Trial
No
How to Choose the Right Financial Platform?
There isn’t a single platform that fits every business. When comparing Brex alternatives, it’s important to evaluate your options based on how well they match your current needs and plans.
- Choose a solution that can support your growth. As your business expands, the platform should handle increased transactions, users, and financial data without limitations.
- A clean and easy-to-navigate interface can save time for your team. Platforms that are simple to understand reduce the need for long training sessions and help teams adopt them faster.
- Your financial system should connect smoothly with tools like accounting software, payroll systems, and CRM platforms. This helps maintain consistent data across all business functions.
- Look for platforms that follow strong data protection practices and meet industry regulations. This helps safeguard sensitive financial information and reduces risks.
- Before deciding, review user feedback and ratings on platforms like G2 and Gartner. These insights can help you understand how the platform performs in real-world use.
Conclusion
Selecting the right option among Brex alternatives comes down to what your business truly requires whether that’s better expense tracking, corporate cards, or complete financial management. Each platform, including Expense 365 for advanced expense handling and financial visibility, brings its own strengths to the table.
Take time to assess your priorities, review the features that matter most, and choose a solution that aligns with both your current operations and future growth plans.
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Frequently Asked Questions
Why do businesses explore Brex alternatives?
Brex has increasingly focused on venture-funded startups and larger organizations, which has led many smaller businesses to look for other options. As a result, companies are searching for Brex alternatives that better match their size, spending patterns, and operational requirements.
Which Brex alternatives are suitable for small businesses?
Small businesses often prefer tools that are simple to use and cost-effective. Options like Expense 365, BILL Spend & Expense, and Mercury provide essential features such as expense tracking, corporate cards, and basic financial tools tailored for growing teams.
Which Brex alternatives offer strong corporate card features?
Several Brex alternatives provide advanced corporate card capabilities. Platforms like Mesh Payments and Rho offer both virtual and physical cards, along with real-time spend monitoring and flexible controls to manage company expenses effectively.
What are good Brex alternatives for business banking?
For businesses that need banking along with financial tools, platforms like Relay and Mercury are popular choices. They offer business accounts combined with features that help manage cash flow and connect with other financial systems.
How can I select the right option among Brex alternatives?
Choosing the right platform depends on your business needs. Focus on factors such as expense tracking features, integrations with your accounting software, banking requirements, and level of automation. The best choice will align with how your business manages finances daily.
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