Brex vs Expensify: Which The Top Pick in 2025?

One key drawback of Brex is the lack of physical checks and the long holds placed on deposited checks, which can disrupt payroll and bill management. For Expensify, a significant issue is its predatory subscription practices, where users have reported being trapped in one-year contracts despite opting for monthly payments.

Rho offers a more efficient solution by combining AP automation and banking products with software to streamline financial management.

Many businesses look to Brex and Expensify for managing their expenses and financial operations. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare, helping you determine which one is the best fit for your needs. Additionally, we'll also explore Rho as a third option worth considering.

Brex Overview

Brex is a financial technology platform that provides modern finance software solutions. It primarily serves startups, mid-size companies, and enterprises. The main value proposition is to help businesses spend smarter through AI-powered automation, offering services like modern cards, banking, bill pay, accounting, and travel management.

Brex Features

Some of the key features of Brex include:

Corporate Cards: Issue local currency cards with custom limits, embedded policies, and cash back.
Expense Management: Manage every type of spend and payment method, and automate expense reporting globally.
Travel Management: Book and manage travel with unbiased inventory and 24/7 agent support.
Bill Pay: Automate the entire global accounts payable process, from invoice to payment to reconciliation.

Brex Pricing

Brex offers three main pricing plans: Essentials, Premium, and Enterprise, along with a Smart Card option.

Essentials: $0 per user/month - Global card acceptance, AI-powered custom rules, accounting integrations, travel booking, real-time reporting, bill pay, reimbursements.
Premium: $12 per user/month - Everything in Essentials plus customizable expense policies, advanced approvals, multi-entity support, customizable ERP integrations, live budgets.
Enterprise: Custom pricing - Everything in Premium plus unlimited entities, local card issuance, named account manager, admin center, customizable implementation services.
Smart Card: Custom pricing - Global cards, local-currency cards in 50+ countries, merchant card controls, custom approvals.

The prices for each tier are not publicly listed.

Drawbacks To Brex

General user reviews of Brex highlight its user-friendly interface and seamless integration with other software. However, some users have expressed concerns about integration issues and the platform's complexity as it scales.

"Brex is easy to use and works seamlessly with Concur to automatically create monthly expense reports." - U, Verified User, Mid-Market
"The platform becomes complex as it grows, and integration issues require manual work." - Paul R., Vice President of Research and Development, Small-Business

For more detailed reviews, visit Brex Reviews 2025: Details, Pricing, & Features | G2.

Expensify Overview

Expensify is a spend management software designed to help users manage receipts and expenses. It caters to individuals, small teams, and larger organizations, offering a streamlined process for tracking, reporting, and reimbursing expenses. The platform aims to simplify expense management for various customer types without delving into specific features or pricing details.

Expensify Features

Some of the key features of Expensify include:

Expense Tracking: Track expenses efficiently, categorize, and tag them for better management.
Travel Booking: Book travel arrangements directly through the app.
Employee Reimbursement: Manage the reimbursement process for employees, ensuring timely payments.
Corporate Card Management: Manage corporate card expenses and track spending.

Expensify Pricing

Expensify offers subscription tiers with various packages. Here are some of the relevant pricing tiers:

Track: $4.99 per user/month - Expense tracking, receipt scanning, and mileage tracking.
Submit: $4.99 per user/month - Expense reporting, receipt scanning, and approval workflows.
Collect: $10 per user/month - Expense management, corporate card reconciliation, and integrations.
Control: $18 per user/month - Advanced policy enforcement, multi-level approval workflows, and custom reporting.

Drawbacks To Expensify

Overall, Expensify is highly rated for its ease of use and efficiency in managing expenses, though some users note minor issues with specific features.

"The app is incredibly easy to use—just snap a picture of a receipt, and SmartScan takes care of the rest." - Verified User
"I find the email forwarding a bit clunky - if there is a tip or a hotel expense that is not exactly and easily matched to the receipt, the site will generate a separate report." - Elisa O.

For more detailed reviews, visit Expensify Reviews & Product Details.

What to Know Before Picking Brex or Expensify

Looking at the reviews as a whole, businesses using Brex often encounter approval process complexities and manual entry requirements. These issues can slow down operations and require additional oversight, which can be frustrating for growing companies.

On the other hand, Expensify users frequently mention challenges with manual entry and receipt management. Additionally, some find the setup interface confusing and customer support lacking, which can hinder the overall user experience.

Why Rho Is a Better Alternative

At Rho, we understand the common pain points businesses face with Brex and Expensify, such as complex approval processes and manual entry requirements. Our platform simplifies financial operations with intuitive automation and seamless integration, making us a more efficient and user-friendly alternative for managing your expenses.

Rho Features

Rho offers a range of unique features designed to address common challenges faced by businesses using Brex and Expensify. Here are some of the standout features:

Expense Management: Our platform eliminates the need for manual expense reports by capturing every receipt automatically, ensuring compliance and saving time.
AP Automation: Rho allows you to pay hundreds of vendors in minutes with zero platform fees, streamlining the accounts payable process and reducing errors.
Rho Treasury: We help you safeguard idle cash and earn a dynamic yield, optimizing your financial returns and making your money work harder for you.
Integrations: Our direct integration with accounting, HR, and T&E software ensures seamless data flow, reducing manual entry and minimizing errors.
24/7 Support: We offer continuous support to ensure that any issues are resolved promptly, providing peace of mind and uninterrupted operations.
Rho Platinum: Enjoy up to 2% cashback¹ when using Rho for banking and cards, providing financial incentives and enhancing your overall savings.

Rho Pricing

We offer a straightforward and transparent pricing structure that eliminates many of the traditional banking fees you might find with Brex and Expensify. Our goal is to make financial management simple and cost-effective for your business.

Here are the key pricing line items:

$0 Same-Day ACH fees: No charges for same-day ACH transactions.
$0 Wire fees: No charges for wire transfers, with some exceptions for international wires.
$0 Monthly plans: No subscription fees for accessing our services.
$0 Support fees: Free live support from day one.
$0 Subscription fees: No charges for using our platform.
$0 Checking account minimum fees: No minimum balance fees for checking accounts.
$0 Connected, in-platform capabilities: Free access to AP, Expense & Accounting Automation.
$0 Per-user fees: No charges per user.
1% Foreign currency transfer: A flat 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

"Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Sean F., Chief Financial Officer, Mid-Market
"The customer support team is amazing and each interaction with them is pleasant, informative, and positive." - Tyler M., Chief Financial Officer, Small-Business
"Rho has all the features of a legacy platform but is designed like a fintech product, so it's constantly evolving and growing to meet our needs." - Kevin K., Director of Marketing and Analytics, Mid-Market

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Brex, Expensify, and Rho—has its strengths. Brex excels in offering AI-powered automation and global card issuance, while Expensify simplifies expense tracking and reimbursement processes. However, both have their limitations, such as complex approval processes and manual entry requirements.

This is where Rho comes in. We offer seamless integration, eliminating manual entry, and provide 24/7 support to ensure uninterrupted operations. Our transparent pricing and up to 2% cashback¹ make us a cost-effective and efficient choice for your business.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your financial operations. Get started with Rho today.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Products and services offered through the Rho platform are subject to approval.

The Rho Corporate Cards are issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard, subject to approval.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. Rho Treasury investments are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, are not FDIC insured, are not guaranteed and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not future results. Treasury and custodial services provided through Apex Clearing Corp. and Interactive Brokers LLC, registered broker dealers and members FINRA/SIPC.

¹Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions here.

This content is for informational purposes only. It doesn’t necessarily reflect the views of Rho and should not be construed as legal, tax, benefits, financial, accounting, or other advice. If you need specific advice for your business, please consult with an expert, as rules and regulations change regularly.