Comparison
BILL Spend & Expense (Divvy) vs Brex
A side-by-side look at BILL Spend & Expense (Divvy) and Brex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
BILL Spend & Expense (Divvy)
Free spend management with corporate cards.
Formerly Divvy, BILL Spend & Expense is a free spend management platform with corporate cards, budgets and rewards — part of BILL's AP/AR ecosystem.
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 | BILL Spend & Expense (Divvy) | Brex |
|---|---|---|
| Tagline | Free spend management with corporate cards. | The corporate card built for startups and scale-ups. |
| Headquarters | San Jose, USA | San Francisco, USA |
| Founded | 2016 | 2017 |
| Regions | US | US |
| Card type | Visa charge | Charge card |
| Pricing | Free. | Free base plan; Brex Premium $12/user/mo; Enterprise custom. |
| Rewards | Up to 7x rewards based on payment frequency. | Up to 7x points on rideshare, 4x on travel, 3x on dining. |
| Best for | SMBs, Mid-market, BILL customers | VC-backed startups, Tech companies, Scale-ups |
| Integrations | QuickBooks, Xero, NetSuite, Sage Intacct | NetSuite, QuickBooks, Xero, Sage Intacct |
BILL Spend & Expense (Divvy): pros & cons
- Truly free
- Pairs with BILL AP
- UI dated vs Ramp/Brex
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