Yes. Brex publishes an Essentials tier at zero per user per month that includes reimbursements and one local card program, with Premium at $12 per user per month. ExpenseOS™ needs no company cards at all. Employees pay on the cards they already have, keep the rewards, and are paid back about a minute after an expense clears policy, with the company settling one weekly statement.
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Brex's answer to messy expenses is to put spend on a card the company controls, then automate everything downstream. It is a coherent design and it works, particularly for companies that need global entity coverage. Brex advertises competitive card rewards across its tiers and lists reimbursement tracking paid via payroll.
The ExpenseOS answer is to leave the card alone and fix the payback instead. Nothing to underwrite, nothing to distribute, nothing to freeze when somebody leaves. The employee keeps their own rewards because it is their own card, and the money arrives in about a minute rather than on the next payroll run.
Which is right depends on whether you want to control the card or stop thinking about cards.
Every Brex cell comes from Brex's own public pages, checked on 1 November 2026. Where Brex does not publish something, the cell says so. Prices change, so check the source before relying on a figure.
| ExpenseOS | Brex | |
|---|---|---|
| What the product is built around | Paying people back | A corporate card |
| Published entry price | 0.5% on non-card payments; card payments earn 1% cashback for founding customers, 0.75% for later signups; weekly settlement; no software fee | Essentials at $0 per user per month; Premium $12 per user per month |
| Charges per seat | No, and no setup fee or contract | Yes, above the free tier |
| Requires issuing a company card | No | A local card program is included in the free tier |
| Works alongside an existing corporate card program | Yes. Upload the program's statement and ExpenseOS matches and codes every line, at no charge; you pay only when ExpenseOS moves money. | Not published |
| Published reimbursement timing | About a minute after an expense clears policy | Reimbursement tracking, paid via payroll |
| Who earns the card rewards on work spend | The employee, because they pay on their own card | The company program, on company card spend |
| Free for an individual employee to use alone | Yes, the expense agent in ChatGPT and Claude | No, it is bought by the company |
That rewards row is a statement about how issued cards work, not a criticism of anyone. A corporate card account belongs to the company that opened it, so points, miles and cashback earned on it accrue to the company's program rather than to the person who happened to travel. Every card-led platform works this way, including the ones that pass a rebate back. ExpenseOS is different only because the card is the employee's own.
One cost no pricing page shows: what non-compliance itself costs. Travelers who book out of policy cost $2,881 more per year each, and one in five expense reports comes back with errors (GBTA Foundation). ExpenseOS is built so those leaks cannot open: every purchase is approved against live budgets and live market prices before the money moves.
The other card-led platform. Brex publishes an Essentials tier at zero per user per month that includes reimbursements and one local card program, Premium at $12 per user per month, and custom Enterprise pricing. It advertises competitive card rewards across tiers and lists reimbursement tracking paid via payroll. Strongest for companies that want a card program with global entity coverage.
This page compares ExpenseOS with one platform. The full comparison, with Ramp, Brex, Navan, Expensify and SAP Concur in one table, is on the compare page.
Brex's own pricing page lists reimbursements in its tiers and describes reimbursement tracking as paid via payroll. ExpenseOS reimburses into the employee's wallet about a minute after an expense clears policy, and they move it to their bank whenever they like.
No. That is the core difference. Brex's answer to expenses is a card the company controls. ExpenseOS leaves employees on the cards they already carry and fixes the payback instead, with the company settling one weekly statement.
Global entity coverage is one of Brex's genuine strengths, and its pricing page lists global reimbursements paid in local currency, funded in US dollars or in local currency. ExpenseOS pays people back in US dollars today, so if multi-country reimbursement in local currency is a hard requirement, Brex is the better fit.
Yes. ExpenseOS works alongside the card and payment programs you already have. Upload the program's statement and ExpenseOS reads every line, checks it against the statement's own totals, matches it to the expenses and receipts it already holds and asks cardholders only about what's left. There are no seats and no software fee, and a card program's statement carries no fee, so running ExpenseOS next to an existing program costs nothing; you pay only when ExpenseOS moves money for you. Brex's pricing page includes a Brex card program in every tier, from Essentials at $0 per user. Whether Brex imports another card program's transactions is not published on its pages.
Only if they pay on their own card, which is what ExpenseOS is built around. A corporate card account belongs to the company that opened it, so rewards earned on it accrue to the company's program no matter which platform manages the card. With ExpenseOS the employee pays on their personal card and keeps every point, mile and cashback, and is reimbursed once the expense clears policy.
About a minute after an expense clears policy, into the employee's ExpenseOS wallet, from where they can move it to their bank whenever they like. For comparison, the timings competitors publish are measured in days: Ramp says two days or less, and Expensify typically one business day for eligible US payments under $100 and four to five business days by standard ACH.
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About this comparison. ExpenseOS is an independent product and is not affiliated with, endorsed by, or sponsored by any company named on this page. All trademarks belong to their owners and are used here only to identify those products. Every comparative statement is drawn from that company's own public pages on the date shown, and pricing and features change: check the source before relying on it. If something here is out of date or wrong, tell us and we will correct it. Cashback rates on very large single payments are confirmed at onboarding.