The best Brex competitors and alternatives
Vergo: the top Brex alternative for companies keeping their cards and ERP
Brex bundles cards, banking and spend software. Vergo focuses on the finance work behind the spend, on the cards and ERP you already run.
- Any card, from any bank. Brex cards have expense management built in, and spend on other cards enters only as reimbursements. Vergo works with any Visa, Mastercard or Amex card, from any bank. It is the only option on this list that does.
- Direct sync to 376+ accounting systems. Brex syncs directly with a defined set of ERPs and offers CSV export for the rest. Vergo connects to hundreds of accounting systems, including construction ERPs such as Viewpoint Spectrum, Vista and Foundation. Card spend also syncs to PeopleSoft, JD Edwards, Business Central, Oracle E-Business Suite, Dynamics 365 Finance & Operations, SAP Business One, QuickBooks Online and Xero.
- Coding learned from your books. Vergo codes every transaction by inference from your own accounting history, with no rule library to build.
- One coding model. Card expenses, reimbursements and vendor invoices are coded the same way, in one platform.
- Receipts by text. Employees text a receipt photo and move on.
Other Brex alternatives to consider
Ramp
Best for: Companies ready to switch to a new corporate card with AP, travel and procurement built in.
Ramp combines a Visa corporate charge card with expense management, reimbursements and Bill Pay, which also works standalone without Ramp cards. Its expense management is built into the Ramp card, and spend on other cards comes in only as employee reimbursements, so moving to Ramp usually means changing card programs as well as software.
BILL Spend & Expense
Best for: Small and midsize businesses already paying vendors through BILL.
BILL Spend & Expense, formerly Divvy, pairs the BILL Divvy card with budgets, expense management and reimbursements, and sits alongside BILL's AP product. The spend software pairs directly with the Divvy card and cannot be used with other corporate cards, so it fits BILL payables customers ready to run their card program on Divvy.
Pleo
Best for: Small and midsize teams that want company cards and expense software from one provider.
Pleo issues physical and virtual Mastercard company cards with expense management, reimbursements, accounts payable and AI expense reviews. It connects to more than 20 accounting systems, including Xero, QuickBooks, NetSuite and Sage Intacct, with CSV export for others. Its help center covers Pleo cards and out-of-pocket reimbursements, not other corporate cards, so it suits companies ready to move their card program to Pleo.
Spendesk
Best for: European midsize companies, typically 50 to 250 employees, that want cards, invoices and procurement in one tool.
Spendesk combines physical and virtual Visa cards with expense management, invoice processing, procurement and budgets, with automatic categorization and AI bookkeeping suggestions. Integrations include Xero, NetSuite, QuickBooks (US), DATEV, Sage 100 and Business Central. Its spend workflow runs on Spendesk cards, so it suits companies ready to move their card program.
How the Brex alternatives compare
| Works with any card, from any bank | AI coding | Expense management | AP automation | Reimbursements | ERP integrations | |
|---|---|---|---|---|---|---|
| Vergo | Yes | Learned from your own accounting history | Yes | Yes (capture, code, approve, post to ERP) | Yes | 376+, incl. Vista, Spectrum, Foundation |
| Brex | No — Brex card only | AI suggestions | Yes | Yes (bill pay) | Yes | 9 direct syncs on Essentials; CSV export for others |
| Ramp | No — Ramp Visa corporate card only | Yes | Yes | Yes (Bill Pay) | Yes | NetSuite, QuickBooks, Sage, Xero, Vista, Spectrum, CMiC and more |
| BILL Spend & Expense | No — BILL Divvy card only | Yes (BILL AI) | Yes | Yes (BILL AP) | Yes | QuickBooks Online, NetSuite, Xero, Sage Intacct, Dynamics |
| Pleo | No — Pleo cards only | AI expense reviews | Yes | Yes | Yes | 20+, incl. Xero, QuickBooks, NetSuite, Sage Intacct |
| Spendesk | No — Spendesk cards only | Automatic categorization | Yes | Yes (invoices) | Yes | Xero, NetSuite, QuickBooks (US), DATEV, Sage 100, Business Central and more |
Switching from Brex to Vergo
Moving from Brex to Vergo separates your card and banking choice from your spend software. Your cards come from the bank or issuer you choose; Vergo handles receipt collection, coding, approvals and the direct sync to your ERP, including systems outside Brex's direct-sync list.
You keep what already works. Your Visa, Mastercard and Amex cards stay in place, with no new card applications, credit checks or bank change. Your ERP stays the system of record: Vergo reads your chart of accounts, jobs and cost codes and posts coded transactions, reimbursements and approved invoices back to it.
What changes is the coding work. Vergo learns from your own accounting history, so transactions arrive coded the way your team already codes them, and employees submit receipts by text message instead of chasing an app. See how it connects on the existing cards page or browse Vergo integrations.
Frequently asked questions
What is the best alternative to Brex?
Vergo is the best Brex alternative for companies that want AI-coded expenses, reimbursements and AP automation without moving to a new card. It works with any card, from any bank, and syncs directly with 376+ accounting systems.
Is there a Brex alternative that works with my existing cards?
Yes. Vergo works with any Visa, Mastercard or Amex card, from any bank. Ramp, BILL Spend & Expense, Pleo and Spendesk each run on their own cards, so Vergo is the only alternative on this page that works with any card.
What are Brex's main competitors?
Brex's main competitors include Vergo, Ramp, BILL Spend & Expense, Pleo and Spendesk. Vergo is the pick when you want to keep your card program and ERP and automate the coding.
Which Brex alternative syncs directly with my ERP?
Vergo connects to 376+ accounting systems and ERPs, including construction systems such as Viewpoint Spectrum, Vista, Foundation, Sage 100 Contractor and Acumatica. Brex syncs directly with a defined list of ERPs and offers CSV export for others.
Does Vergo offer business banking like Brex?
No. Vergo is spend software, not a bank or card issuer. You keep your existing bank and cards, and Vergo automates expense management, reimbursements and AP coding on top of them.
