Brex Alternatives

Ramp is the replacement most finance teams look at first, because it covers the same ground as Brex: corporate cards, expense management, reimbursements, bill pay, procurement and travel. The card is a Visa corporate charge card with 30-day payback. There are no personal credit checks and no personal guarantee, and the credit limit is based on financial factors such as revenue or dollars raised. You can issue unlimited physical and virtual cards, lock each one to a vendor or a category, and let Ramp flag questionable vendors for approval.

The pricing is simple to start. The Free plan costs $0 per user per month. Plus costs $15 per user per month plus a platform fee based on team size, and annual billing saves 20%. Enterprise is custom and billed annually. For a team of 25 on Plus, the per-user part alone is $375 a month before the platform fee, so most small teams stay on Free.

Outside the US, the card is accepted in 200+ countries through the Visa network, with local-currency card issuing in 30+ countries on the Enterprise plan and reimbursements in 60+ countries and 40 currencies. The 200+ integrations cover the accounting tools you already use. Already on Ramp and unhappy? Our guide to switching from Ramp covers the other direction. One cost to watch: since mid-2026, Bill Pay charges $0.59 per standard ACH payment and $1.99 per standard check, unless you pay from a Ramp Checking Account. A company that pays 200 suppliers by ACH each month adds about $118 to its bill.

Mercury is a banking platform first: business checking and savings, payments, invoicing, payroll and accounting tools, with a credit card on top. Banking services and essential tools are always $0 a month. Mercury Plus costs $35 a month, or $29.90 a month billed annually, and adds advanced invoicing, enriched NetSuite automations and reimbursements for more than 5 active users a month; Mercury Pro costs $350, or $299 billed annually. That makes Mercury the cheapest way on this page to replace a Brex business account and card together.

The card is the IO Mastercard. It pays unlimited 1.5% cash back on all spend, deposited into your account automatically, with no points to redeem. On $400,000 of yearly card spend that is $6,000 back. Mercury does not run a credit check when you sign up for IO, so your personal score is not considered or affected, and there is no personal guarantee. There is a catch: the IO limit is based on the total balances you hold with Mercury, plus any external accounts you link, and it can go down after large withdrawals.

New customers with lower balances repay daily; once balances reach $15K, they can switch to 30-day repayment. Non-USD card transactions carry an international transaction fee, which Mercury keeps even if the purchase is refunded, and Mercury Treasury opens only above $250,000 across Mercury accounts. To push Mercury transactions into other apps, see our Mercury and Zapier integration.

Airwallex is the alternative for companies whose spend crosses borders. It lets you hold, convert and spend in 20+ currencies directly from multi-currency balances, issue local cards in 60+ countries, and pay vendors on local rails in 120+ countries or by SWIFT in 200+. That is where many US-centric tools get expensive: every non-USD card swipe or wire adds a foreign fee or a markup.

The pricing page reads in two steps. Explore costs $0 and includes up to 10 free Spend users. Past that you move to Grow, at $12 per active Spend user per month, up to 250, plus a platform fee based on team size. A Spend user is anyone who holds a card, or submits, approves or pays an expense, a reimbursement or a bill in the month. A team of 25 active Spend users therefore pays 25 times $12, so $300 a month before the platform fee. The monthly fee is charged per business legal entity, not per account, which helps groups with several accounts under one entity. SWIFT transfers cost $15 to $25 each, and conversions cost 0.5% above the interbank rate for major currencies, 1% for the others.

Bills, reimbursements and approvals sit on the same platform: you approve a bill and pay the vendor in their local currency from your wallet, and staff are reimbursed in their own currency. The US Explore plan also lists a credit line for corporate cards and up to 2% cash rebates on local USD spend. One link worth knowing: Airwallex (Netherlands) B.V. is one of the three issuers of the Brex Mastercard corporate card. To connect it to your other tools, see our Airwallex and Zapier integration.

Zoho Expense does not give you a credit line. In the US it now offers a Zoho Prepaid Mastercard, physical and virtual, that you load in advance, but its real job is the expense management layer that Brex bundles with its card, sold on its own at a low price. The Free plan covers up to 3 users. Standard costs $3 per user per month billed annually or $4 billed monthly; Premium costs $5 or $6. For 25 users on Standard that is $100 a month on monthly billing, or $900 a year on annual billing, against $3,600 a year for 25 users on Brex Premium.

It connects to the cards you already have: Visa and Mastercard through real-time feeds, Amex and AirPlus through direct integrations, and other cards through standard sync. Transactions are auto-assigned to users, categorized by merchant code and matched with expenses. Receipt scanning has monthly quotas per user: 20 on the free tier and trial, 200 on Standard and 1,000 on Premium, after which you can still create expenses manually. A self-booking travel add-on costs $9.99 per trip.

It is the right move when the reason you leave Brex is eligibility: your bank or Amex keeps the credit, and Zoho Expense brings the policy, approvals and reports. If you already run Zoho Books or Zoho CRM, the data stays in the same family of apps.

Expensify built its name on receipt scanning and expense reports, and it now sells its own card. A Free plan lets an individual employee scan receipts and build expense reports without company approval, but most businesses start on Collect at $5 per member per month, which includes core expense, travel and chat features; Expensify gives discounts for annual commitments and for companies that use its card. Control is custom-priced, from as low as $9 per active member per month, for advanced approvals and accounting. For 25 members on Collect, that is $125 a month.

The Expensify Card offers 1% cash back on all US purchases with no minimums, and 2% cash back once monthly spend is over $250K. That second tier matters: below $250K a month, $400,000 of yearly spend returns $4,000, against $6,000 on Mercury IO at 1.5%. Above it, Expensify pays more than most cards on this page.

Thinking of leaving Expensify later? Our Expensify switching guide lists the exits. Where Expensify wins is the employee side: people who submit dozens of receipts a month on the road, managers who approve from a phone, and reimbursements for out-of-pocket spend. Where it loses against Brex is the finance side: there is no business bank account, and the 1% cash back applies to US purchases, so a team that spends in many currencies does better on Airwallex.