Brex vs Divvy — Which One Wins?
A detailed, side-by-side comparison of Brex and Divvy to help you pick the right tool for your workflow.
Quick Verdict
Divvy takes the lead with a 4.4 rating and is best for teams wanting free corporate cards with budget controls. Brex (4.2) is the better pick if you need vc-backed startups wanting corporate cards without personal guarantees..
Side-by-Side Comparison
| Criteria | Brex | Divvy |
|---|---|---|
| Rating | ★★★★ 4.2(145) | ★★★★ 4.4(135) |
| Pricing Model | freemium | freemium |
| Starter Price | $12/user/mo (Premium) | Free |
| Free Tier | Yes | Yes |
| Platforms | web, ios, android | Web, iOS, Android |
| Learning Curve | easy | Easy |
| API Available | Yes | Yes |
| Best For | VC-backed startups wanting corporate cards without personal guarantees. | Teams wanting free corporate cards with budget controls |
| Verdict | situational | Best Free Corporate Cards |
Feature Checklist
| Feature | Brex | Divvy |
|---|---|---|
| Corporate cards (no personal guarantee) | — | |
| Spend management and budgets | — | |
| Virtual cards | — | |
| Receipt capture | — | |
| Approval workflows | — | |
| Startup-optimized rewards | — | |
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — |
Brex
Pros
- ✓No personal guarantee required for corporate cards
- ✓Startup-optimized rewards (SaaS, travel, restaurants)
- ✓Integrated spend management with approval workflows
Cons
- ✕Requires qualifying funding — not available to all businesses
- ✕Moved away from SMBs to focus on startups and enterprises
- ✕Rewards rates have decreased over time
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
The Bottom Line
Both Brex and Divvy are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.2) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize vc-backed startups wanting corporate cards without personal guarantees., Brex is worth serious consideration. We recommend trying the free tier or trial of each before committing.