Used For

• +**Your team submits expenses via email screenshots and finance spends 2 days each month chasing receipts** → Employees snap photos, everything auto-categorizes and matches to card transactions instantly
• +**You're manually tracking spend across 5 subsidiaries and dying during tax season** → Auto-fills expense reports by entity, tracks VAT automatically, exports clean data to your accounting software
• +**Nobody knows if you're over budget until the credit card bill arrives** → Real-time spend alerts and role-based limits that actually stop transactions before they happen
• +Earns up to 3.80% yield on cash deposits - your business checking account probably pays 0.01%
• +Issues unlimited virtual cards through connections to other tools - no waiting for plastic cards in the mail

Best For

• >Your 20-person startup where people submit expense reports on napkins and nobody knows the monthly burn rate
• >Finance team drowning in receipt chasing and manual categorization across multiple entities
• >High-growth company that needs real spending controls before someone accidentally spends $10K on Facebook ads

Not For

• -Solo founders or teams under 10 people — the automation overhead isn't worth it when you have 3 expenses per month
• -Companies that need traditional revolving credit — this is a charge card that must be paid in full monthly
• -Anyone wanting a simple business checking account — Brex Cash is a "bank account alternative" with specific limitations

Pairs With

• *QuickBooks (where all the auto-categorized expenses and receipts flow so your accountant stops asking for documentation)
• *NetSuite (for multi-entity companies that need subsidiary-level expense tracking without manual data entry)
• *Slack (where finance gets instant alerts about unusual spending and employees get nagged about missing receipts)
• *AWS (you can redeem reward points for AWS credits instead of cash, which startups actually use)
• *Ramp (the main alternative that does similar things - people comparison shop between these two constantly)
• *Mercury (for actual business banking since Brex Cash isn't a full bank account)

The Catch

• !You'll save 4,250 hours annually according to Brex, but someone still needs to set up all those automated workflows and approval policies
• !The charge card model means no extended payment terms — if cash flow gets tight, you can't carry a balance like traditional business cards
• !Brex makes money on your cash deposits and reward redemptions, so the "free" features aren't actually free

Bottom Line

The corporate card that actually works with modern software instead of requiring your finance team to live in Excel hell.