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Software · head to head

Brex vs Empower

Brex logo

Brex

Software

The financial stack for growing businesses

From
$29/month
Rated
-
Full reviewWebsite
Empower logo

Empower

Software

All your finances. One app.

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Empower empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.
  • They diverge on capability: Brex covers Corporate cards, Empower covers Net worth tracking.

Where they differ

Only the attributes on which Brex and Empower actually diverge.

Attributes where Brex and Empower differ
AttributeBrexEmpower
Founded20172009

Identical on both: starting price ($29/month), pricing model (freemium), free tier (No), 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

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • QuickBooks
  • NetSuite
  • Xero

Only in Empower

  • Net worth tracking
  • Investment tracking
  • Retirement planner
  • Cash flow
  • 401k fee analyzer
  • Bank connections
  • Brokerage accounts
  • Bank-level encryption

Both cover

  • SOC 2
  • 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 Empower
  • Expense management and reimbursementsnot Empower
  • Travel booking inside the spend platformnot Empower
  • Bill pay and accounting system syncnot Empower
  • Multi-entity spend management on the paid tiersnot Empower

Empower

  • Wealth trackingnot Brex
  • Retirement planningnot Brex
  • Investment analysisnot 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

Empower

  • Empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.

Pricing, plan by plan

Brex

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

Empower

$29/month
  • Free ToolsFree
    • Net worth tracking
    • Cash flow
    • Investment checkup
  • Wealth ManagementFree
    • 0.89% AUM fee
    • Dedicated advisor
    • Tax optimization

Which should you pick?

Choose Brex if

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

Choose Empower if

  • You need net worth tracking.
  • You work on Web, Ios, Android.
  • You also want investment tracking.
Empower review

Questions people ask

Is Brex or Empower better?
Neither clearly leads. Brex starts at $29/month and Empower at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Empower?
Brex starts at $29/month and Empower at $29/month.
Does Brex or Empower run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
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 Empower is typically brought in for.
What can Brex do that Empower cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Both handle SOC 2, Web support, Ios support, Android support.
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