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Software · head to head

Brex vs Divvy

Brex logo

Brex

Software

The financial stack for growing businesses

From
$29/month
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Software

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Brex covers Business accounts, Divvy covers Budget management.

Where they differ

Only the attributes on which Brex and Divvy actually diverge.

Attributes where Brex and Divvy differ
AttributeBrexDivvy
Starting price$29/monthFree
Pricing modelfreemiumfree
Free tierNoYes
Founded20172016

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Brex

  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • Xero
  • FDIC insured

Only in Divvy

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • Oracle

Both cover

  • Corporate cards
  • QuickBooks
  • NetSuite
  • SOC 2
  • PCI DSS
  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Brex

  • Corporate cards with spend controls for startupsnot Divvy
  • Expense management and reimbursementsnot Divvy
  • Travel booking inside the spend platformnot Divvy
  • Bill pay and accounting system syncnot Divvy
  • Multi-entity spend management on the paid tiersnot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot Brex
  • Automating expense reports and receipt capturenot Brex
  • Syncing card spend into accounting softwarenot Brex

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

Divvy

  • Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
  • Signup is gated behind selecting a business type and accounting software rather than being open self-serve

Pricing, plan by plan

Brex

$29/month
  • EssentialsFree
    • Corporate cards
    • Expense management
    • Bill pay
  • Premium$12/month
    • Advanced controls
    • Custom approvals
    • Travel booking

Divvy

Free
  • FreeFree
    • Unlimited cards
    • Expense management
    • Budget controls

Which should you pick?

Choose Brex if

  • You need business accounts.
  • You work on Web, Ios, Android.
  • You also want expense management.
Brex review

Choose Divvy if

  • You need budget management.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want expense tracking.
Divvy review

Questions people ask

Is Brex or Divvy better?
Neither clearly leads. Brex starts at $29/month and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Divvy?
Divvy has a free tier; the other does not. Paid plans start at $29/month for Brex and Free for Divvy.
Does Brex or Divvy run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Brex starts at $29/month.
What is Brex best used for?
Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what Divvy is typically brought in for.
What can Brex do that Divvy cannot?
Brex covers Business accounts, Expense management, Bill pay, Travel. Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Both handle Corporate cards, QuickBooks, NetSuite, SOC 2.
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