# Page 2 | Brex Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Brex the right Spend Management solution for you? Explore 139 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/182054/Brex/reviews --- Brex 4.5 (139) [View alternatives](https://www.capterra.com/p/182054/Brex/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Page 2 - Reviews of Brex ## Showing most helpful reviews Showing 26-50 of 139 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use WD Whitney D. CEO Consumer Goods Used the software for: 6-12 months ### "Never again " September 5, 2024 1.0 I would not use them again, horrible customer service. Pros That they offer business banking, & other financal services. Cons They seem to regulate to your account to much & over email you. Review Source JA Joe A. Cofounder Computer Software Used the software for: 1-2 years ### "Great Bonuses...terrible company...stereotypical Silicon Valley Trash (Wework, Thernos, etc.)" July 26, 2021 1.0 If you are a small startup and want free stuff (Twilio credit, WeWork credit, etc.), Brex is great. You get free goodies and free bonuses that can help you boostrap on the cheap. If you are a legitimate busienss that has real revenue with real employees, I would advise you to stay away. If you are successful enough to be at this point, the bonuses aren't worth the tradeoffs. Do you want to give Brex 100% visibility into your company finances in exchange for a few goodies and miles/points? That tradeoff is not worth it at all for legitimate business in my opinion, but to each is own. Brex makes their money (and valuation) solely on the data they collect from their customers (financial data - expenses, income, spending habits, etc.). They use a a hyper agressive marketing and sales team to accomplish this. They are not transparent, they frequently do not honor their bonuses when they go over budget and forget to remove it from the site, and their privacy terms (and accounting software integration permissions) are ludicrous if you take the time to read them. I value transparency and honesty in our business partnerships and Brex is not a brand I would associate those two words with. They are the stereotypical Silicon Valley company backed by large VCs, run by pedigreed 20 year olds, that are out to aquire users at all costs so they can IPO in a few years and make the VCs (and their LPS) rich along with the founders. No thanks. Pros They offer a lot of promotions through to their customer, which are quite high in value. Unfortuntely they do not always honor these promotions. It's also nice to have virtual and physical corporate cards that can easily be created and destroyed in a friendly UI. Cons TERRIBLE accounting software integration. They have several integrations that work but they insist on creating a backend authenticated connection instead of a direct feed. They do this so that they can have access to ALL of your financial data without making that clear or transparent during the integration process. If you read their terms and conditions carefully as you attempt to integrate your accounting software, you'll notice what I am talking about. They are a very agressive sales-oriented fintech company. They offer promotions and bonuses with impressively high value, but Brex has been known not to honor many of these promotions (just google "PayPal Brex Promotion scam"). I have unfortuntely experienced this multiple times. Brex is basically the fintech version of WeWork. Brex is a LARGE team of marketing and sales people trying to promote various technology services (good services, I admit) via massive bonuses and promotions. They then offer virtual cards (like privacy.com) and expense management like so many other fintech services. They use their massive bonuses and promotions to lure in new customers and then collect all of their customer's spending data by having the customers integrate accounting software while giving up total privileges to Brex (see my first paragraph in this section) and using Brex cards to make all of their business purchases. This is no different than Square issuing the Cash App card to track consumer spending via "Boost" promos. Review Source CA Clayton A. Manager, FP&A Facilities Services Used the software for: 6-12 months ### "Brex Gives us Better Control and Insight into our Spending" October 26, 2023 4.0 I like Brex but recognize there are still substantial usability issues. Expense management is difficult to navigate, and Brex certainly does it better than many (or most) of its peers. Brex has given a lot more control over our spending without question, but we have developed so much complexity in our spending that the administrative burden has become overwhelming. Pros The trips functionality in Brex is fantastic. We travel a ton and constantly have team members on the road. The trips functionality allows us to invite them to a specific trip and attach those expenses to a given budget. This has really helped us better track our expenses on a trip/customer basis. Cons Some of the user interface is a bit clunky and allows for user error. We have around 150 employees, many of which travel frequently. We try to put in place guardrails for their spending using Brex, but sometimes run into issues. This usually comes from employees selecting/spending from the wrong budget or having to restrictive controls on a trip spending. Alternatives considered [Paylocity](https://www.capterra.com/p/86714/WebPay/)[Ramp](https://www.capterra.com/p/207081/Ramp/) Review Source VR Verified Reviewer Cofounder Consumer Goods Used the software for: 2+ years ### "Easiest Expense Management" April 1, 2023 4.0 Pros Brex does not require a personal guarantee from founders to obtain a credit card, which can be beneficial for startups and companies with limited credit history. The ability to create multiple digital cards is super convenient for contract employees. You can also set a spending limit and have full visibility of the spending for each active card, right from the dashboard. Cons The credit limit is variable which is at times good but the way it is calculated is opaque and leaves you guessing how much you have available to spend. It certainly cannot be your only form of payment, you need to have a backup payment method ready especially when you are traveling. Review Source LU Lapio U. Sales Manager Telecommunications Used the software for: 1-2 years ### "A Great Financial Reporting Solution " April 30, 2024 4.0 Pros It makes receipt management easy and has been helpful as expense reporting. Cons Brex is powerful and very effective. Not problems. Review Source Andrew B. Founder Events Services Used the software for: 2+ years ### "Great product for fast growing companies" August 17, 2023 5.0 I appreciate their customer service. I've had a few issues with them -- as we all do with companies, and I like that they resolved them amicably for me. Pros Love the many features from great point system to virtual cards; from expense management to easy of use. Cons Not everyone qualifies for it. Recommended a few businesses and they wouldn't take them on. Review Source ES Eileen S. Assistant Controller Computer Software Used the software for: 1-2 years ### "Brex is a great value for our company" August 11, 2022 5.0 I have daily control of the credit card usage for our team of over 40. I consider this a valuable option versus a line of credit or sweep account. Brex allows a simple cash flow solution. Since our staff is exclusively remote, it also creates efficiency for procurement. Pros I like the expense receipt reminders to the staff. I like the cash rewards we receive to offset our charges. I like the integration with Quickbooks online Cons Sometimes when you online chat with customer service, it can take an extensive amount of time Reason for choosing Brex The cost and benefits of Brex Review Source Yoshi Y. CEO Computer Software Used the software for: 1-2 years ### "No brainer using Brex being a startup.. I switched from a bank credit card right away" August 16, 2019 5.0 It simply works as a business card that doesn't require any individual credit (I still don't understand why other business cards require individual credit... pls don't call it as a "business card", right?!). Also, I don't need to feel getting ripped off using a bank-issued credit card where certain dollar amount has to be frozen (they shouldn't call this as a credit card if they take the collateral cash for us to use the amount.. right?!). And user support and dashboard are as responsive and smooth like any other modern tech software. Pros We don't need to connect any individual credit to use Brex business cards. We are taking already risk doing a startup, and founders should not be forced to expose their credit to just use software payment etc. Also, Brex is really built specifically for startups, so a bunch of the benefits and how the software works simply make sense. Cons I really cannot think of any... I feel right and very comfortable using Brex card. Using Brex is an essential part of running a startup. Review Source VR Verified Reviewer Owner Information Technology and Services Used the software for: 2+ years ### "Closed normal 30+ person business bank account without notice" June 16, 2022 1.0 If you didn't want us, don't approve the account up front. Our activity has not changed at all since account opening. Pros I loved how they wasted our time and created a bunch of unnecessary work Cons Closed our active business account without warning. We've been in business 15 years, we employee 30+ people, we have never had a negative payment, we always have cash in our account, we use it almost daily. No explanation just 'withdraw your funds and leave' We do website development for huge companies and have no strange activity that would contribute to this, and the decision is final. We have a few months to uproot everything and switch to a new account, update all our ACH info etc, connected accounts, etc. Review Source LB Landon B. Owner Construction Used the software for: 1-2 years ### "Good at First, Ended Very Poorly" June 17, 2022 2.0 So I used Brex as my main business bank account for over a year, it was great for awhile and I loved it, then one day i went to deposit a check with Mobile Deposit and they had a message pop up that says it was disabled, along with any ACH transfers, I got a hold of customer support and they absolutely refused to give me a reason for it being disabled, they just said they were sorry for the inconvenience and they would follow up with Email, I waited a week for the Email and then got a hold of Customer Support again and the agent gave me a day it would be enabled again, I waited a couple days for that and it was not reinstated, so i got ahold of them again and the agent told me that it would not be reinstated and there is a small chance it will ever be again, so i told them it was of no use to me to have an account that I cannot fund, and closed it. Moral of the story is whoever calls the shots at Brex better get their act together or they are surely a doomed company. As of today June 17 2022 I have not received a single communication from Brex. Pros It was convenient, it built my business credit,I could manage my receipts well. Cons Customer Support,The Company Customer Policies. Pretty much they think the software will retain customers while their management treats them extremely poorly. Review Source Akim K. CEO Computer Software Used the software for: 1-2 years ### "Great bank for every entrepreneur " August 18, 2022 5.0 Pros Brex opened account for my company instantly, in our team we love how easy are payments can be scheduled, cards creation and brex perks are amazing Cons Sometimes payment creation UI is little buggy while I am using CMD + F feature with details verification thought browser search Reason for choosing Brex We started using Brex because Mercury was reviewing our account opening for over two weeks Review Source Justin B. CEO Insurance Used the software for: 2+ years ### "Services cut randomly" June 20, 2022 1.0 Brex really does not care about small businesses, I highly suggest people use another online bank like mercury when considering a bank for their start up. Pros Brex was a great platform before they decided to cut all small businesses. Cons Brex gave no warning to our company and cut our ability to deposit into our account, making operations halt immediately while we found another solution. Review Source JK John K. Managing Partner Computer Networking Used the software for: 1-2 years ### "Brex closing accounts that it deems not big enough" June 16, 2022 1.0 We've been using Brex for about a year now and went with them because they advertised being a bank for small business startups. A couple weeks ago they sent us a notification that we need to change routing numbers. So we had to coordinate with our payroll, Expensify, Quickbooks, and numerous customers that pay us via ACH. After doing all that, today they sent us an email that they are closing our account on Aug 15 because we aren't a big enough account for them. We deposit 30-40k every month so even though we're a small business it's not like we are inactive nor have we ever had any overdrafts. So now we are going to have to redo all of that with a new bank. So just know that if you decide to bank with them you should expect at any time they will close your account even if you're in good standing. Pros The free ACH and wire transfers were the main reason but we also liked the partnerships they had Cons They are closing accounts because despite advertising as a bank for small business, they only want customers that are doing millions. Reason for choosing Brex Free ACH, good online banking features Review Source VR Verified Reviewer CEO Information Technology and Services Used the software for: 2+ years ### "The right way to do a business card" April 27, 2022 5.0 Pros Great visibility of spend, card management and team management are fantastic. Could never go back to a conventional bank issued card. Cons Credit limit fluctuates with cash in bank. For startups this can make available credit less predictable than is ideal. Review Source WG Warren G. VP Engineering Computer Software Used the software for: 6-12 months ### "Excellent choice for businesses of any size" August 18, 2022 5.0 Our experience all around has been stellar. Pros Excellent software interfaces, user-friendly, easy account/user management, and ability to set up virtual cards with specific limits to manage expenditures and risks. Our credit rating has increased substantially since starting with Brex. They work hard to help small businesses such as ours succeed. Cons Honestly have to come across any deficiencies at this time. Review Source MA Muhammet A. CTO Biotechnology Used the software for: 6-12 months ### "Great business credit card for startups and beyond. Very good expense reporting/tracking and perks. " August 20, 2019 5.0 There are teams in law firms focusing to startups, there are investors focusing to startups, there are incubators for startups.. How to get a business credit card as a startup was an unaddressed pain. Brex is a startup and they work with startups; they understand founder and startup needs challenges, expectations. They provided a very good solution. Startups receive and spend billions of dollars every year! Brex is making something needed and missing. Perfect. Pros Brex card provides more or less all of the features of a highly regarded business credit card, but it is a lot better for following reasons. They work with startups and your chance of getting a credit card as a funded startup is higher and a lot easier. Plus, they keep improving, adding new features every few months. Their website and expense tracking/filing is intuitive and easy, they offer multi layers of protection and convenience (online cards etc). For life science companies there are additional discounts they secure from major vendors. Support team is "real time" responsive or quick via email. You do not need to shout to a voice recording 10 times "I want to talk to a representative" or waste hours. My impression over the last one year is highly positive! Cons No cons compared to all other cards I have used from other top providers. Review Source CN Chris N. CEO Internet Used the software for: Less than 6 months ### "Brex is awesome, must have for startups!" August 9, 2022 5.0 It is hands down the best service and experience I have had as a startup founder. Every other service we have I feel like they want to get me on the phone to just sell me shit. Brex I felt was not pushy, and every time they reach out they want to help us. It is really refreshing when I have a billion things to do. Pros It is super easy and fast to get Brex setup. The software is intuitive, and to the point. They make things easy with the app to add receipts right after a transaction and the receipt is still in your hand. The folks here are really invested in our success, and not selling more of their products. Cons The only down side is there is a bit of email spam. I get emails for missing receipts for me and the company. Would love to have more controls on that. Reason for choosing Brex I like the cash back option. The expense reporting will be a feature I want to keep for future employees. Review Source VR Verified Reviewer CTO Retail Used the software for: 6-12 months ### "Brex fixed a long-due mess that was our company expense reporting" December 1, 2022 5.0 Pros Brex banking with disposable cards helped our expense reporting and controls more efficiently and automated. We diminished in over 90% the amount of missing invoices from departments invoices and automated a lot of payment workflows. Cons Nothing to complain about. Probably just have the option to allow mark invoices as lost instead of getting eternal nagging from notifications. Review Source VR Verified Reviewer CEO Internet Used the software for: 1-2 years ### "great bank services" December 28, 2022 5.0 quality service and trust I recommend Pros What I like the most is that we can use the physical card and it facilitates the payments. And we have a complete report on our different transactions Cons I found no problem with brex, it works fine Review Source RM Rahul M. CEO Health, Wellness and Fitness Used the software for: 6-12 months ### "Not the best bank to worth with, not the worst either, but I wouldn't choose them again." January 13, 2023 4.0 These guys could seriously improve their customer service - even their "dedicated" customer service (which I suspect is more of a marketing ploy rather than any real dedicated service personnel) routinely either does not answer emails, or skips them altogether. Anything beyond the most basic of questions is rarely answered properly, or promptly- - and the worst thing about these guys? They will literally shut your account down on a whim - no reasons given, and wont tell you why they did it either when you ask them. They have a fairly comprehensive "perks" program, but a lot of these perks dont work. Personally, their Google Ads credit did not work - neither did their Snapchat ads credit - and while working with them on these two (after being a customer since May 2022) - and "waiting for them to respond to me" - they abruptly shut down my account with no reason given saying "we cannot do business with you anymore". I sort of suspect they do not really want startups, and especially not bootstrapped startups like they claim to be in favor of - which is fine, everyone wants more money, but I just wish they would be more transparent about it. Their relative lack of customer service though is what upset me the most and the lengthy delays in getting back to me on simple things - such as perks etc, makes me think most people do not even go to their perks section, and it is hardly ever updated with the right information. Thats my $0.02..BestRahul Mookerjee Pros Easy to use website, easy to set up the initial bank account as well - and the cards etc (both virtual and physical) are easily setup. Cons Customer service needs a lot of improvement, and their automated risk checking system certainly does too. Not to mention, their perks program - a lot of the perks in there do not work (ie the codes etc, and there are lengthy delays in getting those codes, if at all..) ... Reason for choosing Brex Not applicable. Review Source PS Philip S. CEO Biotechnology Used the software for: 6-12 months ### "A solution for a problem that shouldn't exist (getting a reasonable corporate credit card)" August 20, 2019 5.0 Extremely positive, and I recommend it to all of my friends starting/running companies. They also send a hand-written card with about 30 signatures when we raised a round, which was a small touch but great (my bank didn't do this...) Pros Without a doubt it is the ease of use. A couple of my favorite features... 1. Integration with QuickBooks. 2. Invoice management. We swipe the card, get a text asking for a photo, which when we provide it automatically matches to my chart of accounts in QBO. Similarly, you can also forward invoices to receipts@brex.com and it does the same. This makes invoice management much, much better. 3. Instant approval for employee credit cards, with limits I can set. 4. Clean intuitive website 5. Solid travel booking system, impactful rewards (we get 3% back on lab supplies, a major expense) and a huge number of perks with other startup friendly companies. Cons There were some things we wanted visualized on the portal early on, but when we made the suggestions they were actually super quick to change them. Review Source SF Sandee F. CEO Retail Used the software for: Less than 6 months ### "Great product and software is very helpful" August 17, 2019 5.0 My life has gotten so much simpler overall using Brex. Before I had to juggle six or seven different cards and log into several different banking websites (with all the security headaches and verifications). Now it's all in one interface. This is SO. MUCH. EASIER. for me. Pros With previous credit cards if there was any fraudulent activity I had to cancel the entire card and request a new one, which caused a 5-10 day delay for using that replacement card. Because Brex's software alerts me every​ time a purchase is made, I can be assured the card charges are valid. And if for some reason there was a hijacked online website where my card was used, I can immediately replace the online card without​ invalidating my physical card. I have also used the "take a picture of your receipt" feature that saves me from carrying around pieces of paper for in-person receipts. Cons The desktop version gives me much more information than the mobile app. On the mobile app I can only see my own transactions, not everyone on my team. Neither version tells me the total outstanding balances by employee. I get a grand total of all spending, but when it's paid off I don't get an updated total. I'm sure that will be coming someday (soon, I hope!). Reason for choosing Brex It was either this or get a line of credit with my bank. This is much easier and faster. Review Source VR Verified Reviewer Principal Investments Consumer Goods Used the software for: Less than 6 months ### "Brex perfect for e-commerce" January 6, 2019 5.0 Brex has been critical to helping Dear Ava scale. We needed a credit card solution that allowed me to track employee spend as we ramped up, and also one that had a large enough credit limit that realized how our DTC ecommece business cycled up during the holiday months. Brex solved both of these issues with a crisp UI. THANK YOU BREX! Pros Brex is the best corporate credit card we have tried at DearAva. The lack of personal guarantee, the high credit limit associated with a sophisticated understanding of how our business works, the intuitive UI, and the ability to track and monitor our employee spend has been crucial to running our business efficiently. The onboard process was super fast and I received the card within days -- all while being able to use the digital version minutes after being approved. Cons As the CFO/controller, I'd like to be able to see what my Brex credit limit is when I log into the portal, and see how/if it fluctuates over time. Review Source JI Jeff I. Customer Experience Specialist Furniture Used the software for: 6-12 months ### "Brex is an absolute GAME CHANGER. This card has changed my entire work flow" April 30, 2019 5.0 Working for ROOM I am constantly on the go. Brex customer service has been incredible and they have always been there for me. Every question has been responded to rapidly and I have been treated like gold. My card arrived in a sleek black envelope and I have so much more time to get actual work done because Brex makes logging all of my purchases a dream. I have friends that work in other similar industries and they wish they could have a Brex card. Instead, they are taping receipts to paper and scanning them. The integration with google sheets makes things SO SIMPLE. Sleek, cool, and makes my job so much easier. Pros It is so streamlined, so beautiful to use, it actually puts me in a good mood when I am tracking my purchases. How many cards can you say that about? The software is crisp and I can track my purchases and have them verified before I've left the store. This is an absolute dream come true. Cons I notice that sometimes it has a hard time recognizing certain receipts depending if they were printed on an airline ticket. Review Source SMS Sakinah Mone S. Owner Retail Used the software for: 6-12 months ### "Bank On Brex!" March 21, 2022 5.0 Pros In addition to the spend management/card issuing features, Brex offers an Instant Revenue program (still in Beta) that allows you to receive a percentage of e-commerce sales almost instantly after the sale completes. Cons Customer service doesn't seem too knowledgeable. They often bounce you around until you get to a supervisor who can actually assist you. Review Source Similar Products Featured