Brex vs Spendesk Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Foundations
- Issue unlimited physical cards to empower teams and stay in control
- Use single-use cards for secure, one-off payments
- Manage subscriptions with recurring virtual cards
- Track project or event spend with multi-use cards
- Create custom rules to ensure receipt collection and set up automated reminders
- Extract receipt data automatically with OCR and save valuable time
- Reimburse and track expenses in one place
- Match receipts instantly to the right spend
- Set up SSO, SAML and connect Spendesk with your company Slack
- Integrate Spendesk with Xero, Quickbooks, Datev and more
- Monitor budgets in real-time
- Scale with multi-entity workflows and reporting
- Connect spend data to your AI assistant with Spendesk AI Connect (MCP)
- Connect your spend data to every system that needs it with Spendesk's open API
- Become a member of CFO Connnect
Brex vs Spendesk FAQ
- Which one is cheaper?
- One or both use custom pricing, so it depends on your specific needs.
- Can I use either one for free?
- Brex has a free plan. Spendesk doesn't — you'll need to pay from day one.
- How do they charge?
- Different approach here. Brex uses per-seat pricing, while Spendesk goes with custom. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Brex: At $12/seat, Brex is priced well below traditional expense platforms like Concur but competes directly with Ramp (which is free) — so they're not the cheapest option in the modern fintech stack. They're positioning Premium as a mid-market value play, using the free tier to win startups early before competitors can. Spendesk: Custom quoting with no published price signals a mid-to-upmarket play aimed at mid-market and multi-entity companies, not scrappy startups looking for self-serve pricing. They're competing with Payhawk and Pleo for the same finance-team buyer, positioning on depth of control (procurement, AP, workflows) rather than being the cheapest card in the wallet.
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