Brex
Premium
$12.00 × 10 seats$120.00
× 12 months$1,440.00
Per year
$12.00 per person / mo
$1,440
Brex vs BILL Spend & Expense (formerly Divvy)
Compare with for .
Brex
48%
match · $1,440/yr
BILL Spend & Expense (formerly Divvy)
45%
match · quote
Brex is the better fit.
It publishes its prices; the other needs a sales quote.
How we work out the matchWhat matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
BILL Spend & Expense (formerly Divvy)
Sales quote
No public priceask sales
Per year
Quote
No public price
Brex
From $12
Venture-backed startups and larger companies with international teams that want high card limits, local-currency cards and travel in one platform.
vs
BILL Spend & Expense (formerly Divvy)
From Custom
G2 4.5 · 2,240 reviewsSmall and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables.
Side by side
| Brex | BILL Spend & Expense (formerly Divvy) | |
|---|---|---|
| Pricing | Essentials $0/user/month; Premium $12/user/month; Enterprise custom | $0 per user per month |
| G2 Rating | Not yet verified | 4.5 (2,240 reviews) |
| Best For | Venture-backed startups and larger companies with international teams that want high card limits, local-currency cards and travel in one platform. | Small and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables. |
Pros and cons
Brex
Pros
- Essentials is free and includes reimbursements, bill pay and travel booking
- Premium is a flat $12 per user with no published platform fee
- Strong international options: local cards, local currency wires
- No personal guarantee; now backed by Capital One
Cons
- Eligibility favors funded startups or companies with over $500,000 a year in revenue
- Up to 3% FX markup on converted transactions
- Pricing page does not state whether Premium is billed monthly or annually
BILL Spend & Expense (formerly Divvy)
Pros
- No software fee and no card fees
- No published minimum bank balance; underwriting looks at the whole business
- Budget-first setup suits teams that think in departments and projects
- Pairs with BILL accounts payable if you already use it
Cons
- Rewards rules are complex: 12-month holding period and a 30% of credit line spend requirement
- BILL does not publish a full feature list per plan for Spend & Expense
- Paying invoices by card costs 2.9%
Related comparisons
Accounting & Finance
Emily RodriguezUpdated October 2026
Best Expense Management Software
Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.
+2
Emily RodriguezUpdated October 2026Accounting & FinanceEmily RodriguezUpdated October 2026
Expensify alternatives
Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.
+2
Emily RodriguezUpdated October 2026