Comparison
Brex vs Capital on Tap
A side-by-side look at Brex and Capital on Tap — 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.
Capital on Tap
The small business credit card with rewards.
Capital on Tap is a UK/US small business credit card offering up to £250k credit lines, 1% cashback and unlimited free cards.
Side-by-side
| Spec | Brex | Capital on Tap |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | The small business credit card with rewards. |
| Headquarters | San Francisco, USA | London, UK |
| Founded | 2017 | 2012 |
| Regions | US | UK, US |
| Card type | Charge card | Visa credit |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | Free Business card; Pro £99/yr; Elite custom. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | 1% cashback or Avios points. |
| Best for | VC-backed startups, Tech companies, Scale-ups | Small businesses, Sole traders |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | Xero, QuickBooks, FreeAgent, Sage |
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
Capital on Tap: pros & cons
- Real credit line
- Rewards options
- No spend management module