Comparison
American Express Business vs Brex
A side-by-side look at American Express Business and Brex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
American Express Business
Business cards with industry-leading rewards.
American Express offers a broad portfolio of charge and credit cards for US and international businesses — from Blue Business Plus to The Business Platinum.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Side-by-side
| Spec | American Express Business | Brex |
|---|---|---|
| Tagline | Business cards with industry-leading rewards. | The corporate card built for startups and scale-ups. |
| Headquarters | New York, USA | San Francisco, USA |
| Founded | 1850 | 2017 |
| Regions | US, Global | US |
| Card type | Charge + credit | Charge card |
| Pricing | From $0 to $695/yr. | Free base plan; Brex Premium $12/user/mo; Enterprise custom. |
| Rewards | Membership Rewards, 5x on travel, 4x on dining. | Up to 7x points on rideshare, 4x on travel, 3x on dining. |
| Best for | SMBs, Mid-market, Travel-heavy businesses | VC-backed startups, Tech companies, Scale-ups |
| Integrations | QuickBooks, Xero, NetSuite, SAP Concur | NetSuite, QuickBooks, Xero, Sage Intacct |
American Express Business: pros & cons
- Best rewards in market
- Strong protections
- Acceptance gaps vs Visa/MC
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid