Comparison
Brex vs Wise Business
A side-by-side look at Brex and Wise Business — 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.
Wise Business
Send, hold and convert money in 40+ currencies.
Wise Business gives companies multi-currency accounts, local banking details in 10 currencies, and debit cards — at the mid-market FX rate.
Side-by-side
| Spec | Brex | Wise Business |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | Send, hold and convert money in 40+ currencies. |
| Headquarters | San Francisco, USA | London, UK |
| Founded | 2017 | 2011 |
| Regions | US | Global, EU, UK, US |
| Card type | Charge card | Mastercard debit |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | One-off setup fee in some markets; usage-based FX. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | — |
| Best for | VC-backed startups, Tech companies, Scale-ups | Cross-border SMBs, Freelancers, Remote-first companies |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | Xero, QuickBooks, FreeAgent, Wave |
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
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls