Comparison
Brex vs Moss
A side-by-side look at Brex and Moss — 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.
Moss
The smart way to manage company spend.
Moss is a German spend management platform offering credit cards, invoice management, employee reimbursements and pre-accounting — focused on DACH and broader European SMBs.
Side-by-side
| Spec | Brex | Moss |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | The smart way to manage company spend. |
| Headquarters | San Francisco, USA | Berlin, Germany |
| Founded | 2017 | 2019 |
| Regions | US | EU, UK |
| Card type | Charge card | Visa credit |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | Custom pricing; Starter tier from €0 for small teams. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | Cashback on annual plans. |
| Best for | VC-backed startups, Tech companies, Scale-ups | DACH SMBs, Mid-market, Companies on Datev |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | Datev, Xero, Sage, QuickBooks |
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
Moss: pros & cons
- True credit product in EU
- Strong Datev integration
- Fast underwriting
- Smaller geographic reach than Pleo
- Credit only in select markets