Corporate card and expense management, now part of Bill.com as BILL Spend & Expense.
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Divvy vs Brex
Comparing Divvy and Brex to help you pick the right Corporate Cards & Expense Cards for your needs.
| Feature | Divvy | Brex |
|---|---|---|
| Pricing | Free | Freemium |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Editorial rating | ★ 4.1 / 5 | ★ 4.3 / 5 |
| Starting price | $0/month | $0 |
| Community votes | 12 | 289 |
Divvy Pros & Cons
- No monthly fees for the core card and expense management product, funded instead through card transaction interchange revenue
- Budgets are set per card, limiting potential overspend proactively before it happens rather than catching it after the fact in expense reports
- Combines card issuance and expense tracking in one connected system, eliminating the reconciliation gap between separate card and expense tools
- Real-time spend visibility lets finance teams see transactions as they happen rather than waiting for monthly statement reconciliation
- Virtual card issuance supports controlled spending for specific vendors, subscriptions, or one-time purchases without exposing a physical card number
- Some users may require a learning period to use advanced features effectively
- Pricing tiers require careful evaluation against your specific use case budget
- Feature set breadth means some capabilities may have less depth than specialized alternatives
Brex Pros & Cons
- Integrated travel booking platform with negotiated rates for cardholders
- Brex Business Account offers competitive yield on idle cash balances
- Strong rewards program with points transferable to airline and hotel partners
- No personal guarantee required, underwriting based on company financials
- Robust API and integrations for custom finance workflows
- Shifted focus away from very early-stage startups, raising minimum requirements for some products
- Customer support has received mixed reviews following the 2022 strategic shift
- Some advanced features require moving to custom-priced Premium or Enterprise tiers
- Account opening and underwriting can take longer than Ramp for new applicants
- Less aggressive "savings insights" tooling compared to Ramp's spend-optimization focus
Verdict: Divvy vs Brex
Divvy and Brex both serve the Corporate Cards & Expense Cards category well, but suit different priorities. Divvy is the more budget-friendly option, Brex carries the stronger editorial rating (4.3 / 5), Based on community engagement, Brex is currently the more widely adopted choice (289 votes), but the better fit ultimately depends on your specific pricing, platform, and feature requirements.
Frequently Asked Questions
- Which is cheaper, Divvy or Brex?
- Divvy is the more affordable option overall — it's offered as free, while Brex is freemium. Check each tool's current pricing plans for exact figures, since promotional rates and annual discounts can shift the comparison.
- Is Divvy or Brex rated higher?
- Brex has the higher editorial rating at 4.3 out of 5, compared to Divvy's 4.1 out of 5. This is Kreemhunt's own staff rating, not a public user aggregate — review the pros and cons below for specifics that matter to your use case.
- Which platforms do Divvy and Brex support?
- Divvy is available on Web, iOS, Android. Brex is available on Web, iOS, Android. Both tools cover a similar range of platforms.
- Can I switch from Divvy to Brex (or vice versa)?
- Most corporate cards & expense cards tools, including Divvy and Brex, support data export in standard formats, making migration possible though rarely fully automatic. Expect to manually verify that custom configurations, integrations, and historical data transfer correctly, and budget time for the team to adjust to workflow differences between the two products.
- Should I choose Divvy or Brex?
- Divvy and Brex both serve the Corporate Cards & Expense Cards category well, but suit different priorities. Divvy is the more budget-friendly option, Brex carries the stronger editorial rating (4.3 / 5), Based on community engagement, Brex is currently the more widely adopted choice (289 votes), but the better fit ultimately depends on your specific pricing, platform, and feature requirements.