How Much Does Brex Cost in 2026?

Brex competes with Ramp head-to-head on the US corporate card + expense management market, with one key differentiator: international issuing. Brex supports card issuance and spend management in 70+ countries — Ramp is US-focused (international spend supported via existing cards but native issuing limited). For US startups with global operations (EMEA sales offices, APAC engineering, LATAM contractors), Brex's international native issuing saves the complexity of multiple local corporate card providers. Essentials at $0/user/month provides corporate cards (Brex Mastercard + Brex Commercial Card), spend management, reporting, and basic integrations — directly comparable to Ramp Free. Premium at $12/user/month (undisclosed platform fee may apply as with Ramp) adds Brex Intelligence (AI-powered spend insights, anomaly detection, automated expense categorization), Budgets (real-time budget tracking), advanced spend controls, approval workflows, advanced integrations (NetSuite, Sage Intacct, QuickBooks Advanced), and API access. Smart tier (custom pricing) targets larger teams with enterprise-grade controls and custom workflows. Enterprise (custom) adds SSO, SOX compliance, SOC 2, PCI DSS, dedicated customer success manager, and 24/7 support. Brex rewards are points-based (not cashback like Ramp) — convert at approximately 1-2% value depending on redemption (travel redemptions typically highest). Where Brex wins: international issuing in 70+ countries (unique vs Ramp), points program offers higher ceiling redemption (2%+ on travel) vs Ramp's flat 1.5% cashback, AI Intelligence on Premium genuinely useful for spend insights. Where it loses: points program is harder to value than Ramp's flat cashback, Premium tier platform fee opacity similar to Ramp, pricing marked UNVERIFIED (page displayed prices but not detailed tier breakdown), US startups without international spend get no incremental value vs Ramp.