Softwr

Accounting · head to head

Brex vs SAP Concur

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
SAP Concur logo

SAP Concur

Accounting

Enterprise travel booking, expense claims and supplier invoice processing sold as separate modules

From
$29/month
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; SAP Concur implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • They diverge on capability: Brex covers Corporate cards, SAP Concur covers Expense capture.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Brex and SAP Concur actually diverge.

Attributes where Brex and SAP Concur differ
AttributeBrexSAP Concur
Starting priceFree$29/month
Free tierYesNo
Founded20171993

Identical on both: pricing model (subscription), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

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 SAP Concur

  • Expense capture
  • Corporate card feeds
  • Policy engine
  • Approval routing
  • Travel booking
  • Travel agency integration
  • Duty of care
  • Invoice capture

What people use each for

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

Brex

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

SAP Concur

  • A multinational with thousands of travellers where an audit committee has asked for evidence that travel policy is actually enforcednot Brex
  • An organisation replacing spreadsheet expense claims and email approvals that cannot survive an external auditnot Brex
  • A finance team trying to eliminate duplicate claims by matching corporate card feeds against submitted receiptsnot Brex
  • A shared service centre processing high volumes of supplier invoices that needs capture and approval routing before postingnot 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

SAP Concur

  • Implementation is done through SAP or a partner and commonly costs a substantial multiple of the first year subscription, because the value sits entirely in the configured policy, approval hierarchy and ledger mapping rather than in the software as shipped.
  • Pricing is driven by transaction volume, expense reports and invoices processed, rather than by seats, so a business with seasonal travel or a growth year sees the bill move in ways headcount based budgeting does not predict.
  • The configuration that makes it valuable is also what makes it rigid, and organisations frequently find that changing an approval chain or adding a cost centre dimension requires a partner change order rather than an administrator's afternoon.
  • Contracts are typically multi year with limited exit, so an organisation that concludes after twelve months that a lighter expense tool would have been enough is still paying for the heavier one for the remainder of the term.
  • The three modules are licensed separately and the strongest case for the product depends on having travel, expense and card feeds together, so buying expense alone gives you a costly receipt system without the control loop that justifies the price.

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

SAP Concur

$29/month
  • Professional$8/month
    • Expense reporting
    • Receipt capture
    • Approvals
  • Premium$12/month
    • Travel booking
    • Invoice management
    • Analytics

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 SAP Concur if

  • You need expense capture.
  • You work on Web, Ios, Android.
  • You also want corporate card feeds.
SAP Concur review

Questions people ask

Is Brex or SAP Concur better?
Neither clearly leads. Brex starts at Free and SAP Concur at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or SAP Concur?
Brex has a free tier; the other does not. Paid plans start at Free for Brex and $29/month for SAP Concur.
Does Brex or SAP Concur run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Brex for free?
Yes. Brex has a free tier, so you can try it without paying. SAP Concur 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 SAP Concur is typically brought in for.
What can Brex do that SAP Concur cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. SAP Concur covers Expense capture, Corporate card feeds, Policy engine, Approval routing.

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
SAP Concur: Do we need SAP ERP to use Concur?

No. It integrates with SAP systems particularly well but it is regularly deployed alongside Oracle, NetSuite, Workday and other ledgers. The integration work is a line item in the implementation either way.

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
SAP Concur: Is it worth it for a company of a hundred people?

Usually not. Below a few hundred travellers the implementation cost and the contract commitment are hard to justify against lighter expense tools. The case turns on policy enforcement and audit, not on receipt scanning.

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
SAP Concur: How is it priced?

Broadly on the volume of expense reports and invoices processed, with the modules licensed separately. Because pricing is quoted rather than published, get the volume assumptions written into the contract and check what happens when you exceed them.

SAP Concur: Can it handle multiple countries and currencies?

Yes, that is one of its stronger areas, including per country tax treatment and VAT reclaim identification. Confirm coverage for your specific countries during the sales process rather than assuming global means every jurisdiction.

SAP Concur: How long does implementation take?

Plan in months, not weeks, for anything beyond a single entity with simple approvals. Multi entity rollouts with travel and invoice modules commonly run across a year in phases.

SAP Concur: What does the audit service actually do?

It has a team review a sample or all of your submitted claims against receipts and policy before approval, which some organisations use in place of internal reviewers. It is priced separately from the expense subscription.

Share

Related pages

More on Brex

More on SAP Concur

Keep looking

Other head to heads