Brex
Verified Oct 15, 2026 ActiveCorporate cards, expense management, bill pay, travel and banking with AI-assisted compliance, now a Capital One company
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $12/seat/mo
- Billing
- Per seat, monthly
Essentials is $0 per user per month and includes cards, bill pay, reimbursements, travel booking, accounting integrations and API access; Premium is $12 per user per month for multiple expense policies, approval chains, multi-entity support and AI compliance audits; Enterprise and the procurement-focused Smart Card are custom. The footer notes some products carry fees.
Use tool ↗About Brex
Brex is a spend platform for startups and mid-size to large companies: corporate cards with budget limits, expense management where receipts, GL coding and policy checks are filled in by AI at the point of purchase, bill pay with automated invoice entry, in-app travel booking, and business accounts with treasury yield. Accounting automation suggests mappings and books accruals into ERPs, and an API exposes the data. Capital One completed its acquisition of Brex on 7 April 2026, and Brex LLC now operates as a subsidiary of Capital One, N.A. under the same brand with its co-founder as CEO.
- API
- Yes
- Last verified
- Oct 15, 2026
Verified sources
- Pricing page: Essentials $0 per user per month with global cards, bill pay, reimbursements, travel booking, accounting integrations and Brex API; Premium $12 per user per month adding multiple expense policies, dynamic approvals, multi-entity support and AI compliance audit detection; Enterprise and Smart Card custom (15 October 2026)brex.com ↗
- Journal post 'Capital One Completes Acquisition of Brex'; the site footer states 'Brex LLC is a wholly owned subsidiary of Capital One, N.A.' at 2261 Market Street, San Francisco, and that plans start at $0 per user (15 October 2026)brex.com ↗
- Capital One newsroom: acquisition of Brex completed on 7 April 2026 in a stock and cash transaction signed in January 2026 (15 October 2026)capitalone.com ↗
- Founded January 2017 in San Francisco by Henrique Dubugras and Pedro Franceschi; acquired by Capital One in April 2026 (15 October 2026)en.wikipedia.org ↗
Is Brex legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Oct 22, 1998 (28 years ago)Registry record (RDAP), registrar Amazon Registrar, Inc., looked up Sep 6, 2026
- TLS certificate
- Issued by Let's Encrypt, valid until Nov 25, 2026Seen in our own connection to the site on Oct 15, 2026
- Last checked
- Oct 15, 2026The site answered
- On the market since
- 2017The vendor's own material, read by us
- Operated by
- Brex LLC, United StatesOur research, card verified Oct 15, 2026
Pros & cons of Brex
Brex is the spend platform to shortlist when a finance team wants cards, reimbursements, bill pay and travel policed by the same rules, and its $0 Essentials tier makes it unusually cheap to start. It suits venture-backed startups and multi-entity companies that will use the policy engine; a two-person business that only wants a card will find the setup heavier than a bank card, and since April 2026 the roadmap belongs to Capital One, which is a reason to watch how the fintech pricing and product cadence hold up.
Pros
- A $0 per-user tier that already includes cards, bill pay, reimbursements, travel and API access
- Policy checks, receipt matching and GL coding run automatically, which is where the time saving comes from
- Business accounts and treasury sit next to spend, so cash and card data are in one place
- Capital One ownership removes the funding risk that hung over fintech card issuers
Cons
- Premium features such as multiple expense policies and approval chains cost $12 per user per month on top
- Now part of a large bank, so future pricing, product focus and data handling follow Capital One's priorities
- Banking products are offered through partner banks and a broker-dealer, and the fee schedule sits in legal footnotes rather than on the pricing page
- Travel and card features are strongest for US entities; international coverage depends on entity and card program
Best for
- Startups that want cards, expenses and bill pay in one system with no per-seat fee to start
- Multi-entity companies that need expense policies, approval chains and ERP mappings handled by rules rather than by hand
- Finance teams that want receipts, GL codes and compliance flags filled in automatically at the point of spend
Not for
- Sole traders or very small businesses that only need a card and a bank account
- Companies outside Brex's supported entity and card-issuing countries, who should check the country list first
Watch out: The $0 Essentials plan is real, but the policy engine, approval chains and multi-entity controls that make Brex worth choosing over a bank card are on the $12 per-user Premium plan.
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