Softwr

Accounting · head to head

Brex vs Fidelity

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
Fidelity logo

Fidelity

Personal Finance

Building a better financial future

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Brex 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; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
  • They diverge on capability: Brex covers Corporate cards, Fidelity covers Commission-free trading.

Where they differ

Only the attributes on which Brex and Fidelity actually diverge.

Attributes where Brex and Fidelity differ
AttributeBrexFidelity
Starting priceFreeOn request
Pricing modelsubscriptiontransaction
Free tierYesNo
CategoryAccountingPersonal Finance
Founded20171946

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

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 Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Bank accounts
  • Investment accounts
  • IOS support

Both cover

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

Fidelity

  • Commission free trading of US stocks and ETFsnot Brex
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Brex
  • Trading bonds, options and mutual funds from one accountnot 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

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Pricing, plan by plan

Brex

Free
  • EssentialsFree
    • Global card acceptance
    • Accounting integrations
    • Real-time reporting
  • Premium$12/month
    • per user
    • Custom expense policies
    • Dynamic approval chains
  • Enterprise$null/month
    • Custom pricing

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Which should you pick?

Choose Brex if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Questions people ask

Is Brex or Fidelity better?
Neither clearly leads. Brex starts at Free and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Fidelity?
Brex has a free tier; the other does not. Paid plans start at Free for Brex and On request for Fidelity.
Does Brex or Fidelity run on more platforms?
Brex runs on Web, Ios, Android. Fidelity runs on Web, IOS, Android.
Can I use Brex for free?
Yes. Brex has a free tier, so you can try it without paying. Fidelity starts at On request.
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 Fidelity is typically brought in for.
What can Brex do that Fidelity cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Web support, Android support.

Answered from the vendors’ own pages

Brex: Does Brex have a free plan?

Yes. Brex Essentials is free for startups and growing companies and includes global card acceptance, AI-powered rules, accounting integrations, real-time reporting, and bill pay.

Source
Brex: What is Brex Premium pricing?

Brex Premium costs $12 per user per month and is designed for mid-sized companies. It adds custom expense policies, dynamic approval chains, AI compliance auditing, multi-entity support, and live budgets.

Source
Brex: What countries accept Brex cards?

Brex cards are accepted in 210+ countries. The Smart Card plan offers local-currency cards in 50+ countries for companies focused on procurement simplification and international payments.

Source
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