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