Brex review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Brex suits company owners who want a debit card for business spending without a monthly charge. It ranks 1 of 419 on monthly fee, but its 3% conversion fee sits well above the 1% site median.
Key facts
- Best for
- Businesses that want a card with no monthly charge and multi-currency spend.
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Brex, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
- Audience
- Business
- Official website
- brex.com
Credit cards
- Annual fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 3% (Source, checked September 26, 2026)
- Card kind
- Charge (Source, checked September 26, 2026)
- Legal entity
- Brex, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Multi-currency, Travel
- Audience
- Business
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- No monthly fee of $0 and no annual fee of $0, and the model is no annual fee.
- Covers multi currency and travel needs, so multi-currency and travel spending fit the same card.
- Support runs on chat, phone and help centre.
- A debit card for business use, which keeps company money off personal cards.
Cons
- The 3% currency conversion fee ranks 218 of 259, well above the 1% site median.
- It does not serve business accounts only in the wider sense, so personal spend has no place here.
- The card kind is charge, so it settles as a charge rather than building a revolving balance.
Who it suits
- Company owners and finance teams who pay suppliers in several currencies.
- Firms that hand cards to staff and want multi currency and travel features in one place.
- Teams that value chat, phone and help centre support for card queries.
Who should look elsewhere
- Anyone on a tight daily budget abroad, since the 3% conversion fee adds up quickly.
- Households and personal accounts, because Brex is for business use.
- Firms wanting a card with a charge style balance to carry a period.
Where it sits among rivals
On monthly fee, Brex ranks 1 of 419 brands, with a $0 charge that matches the €0 site median. On currency conversion fee it ranks 218 of 259, and the 3% fee sits above the 2.5% upper quartile of 2.5%. Cost is strong on paper fees and weak on conversion.
Who runs it
Brex is run by Brex, Inc., which is based in the United States and was founded in 2017. The company builds its card for business customers, with multi currency and travel features on the pricing page. Support is offered on chat, phone and help centre, so a card query can go to the help centre, chat or phone.
How Brex compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.2
8.8 vs 8.8
8.8 vs 8.5
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8.8 vs 8.7
8.8 vs 9.2Has a monthly fee of €0, so it suits readers who want a low-cost card outside business spending.
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 9.6
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8.8 vs 9.4
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8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
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8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
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Where Brex is available
- Available
- Australia, Canada, France, Germany, Singapore, United Kingdom, United States
Countries from its affiliate programme (Source)
Frequently asked questions
What does the Brex card cost each month?+
The monthly fee is $0, so there is no recurring account charge for company cards. The annual fee is also $0, and the model is no annual fee. That makes running costs predictable for a business.
How much is the currency conversion fee?+
Converting currency costs 3% on the card. That ranks 218 of 259 brands, against a site median of 1%. Businesses that rarely pay in other currencies feel this least.
Is Brex a debit or credit card?+
Brex is listed as a debit card with a charge card kind. Spending draws on the company balance rather than creating a credit balance to repay. It is aimed at business accounts.
Who is the Brex card for?+
Brex builds for business customers, so it suits company owners, finance teams and cardholders spending on business costs. Personal banking is not the target use. The account is designed around company money and company spend.
Does the card work across currencies and for travel?+
The multi currency and travel features listed cover multi-currency and travel needs. That suits teams paying suppliers or staff in other currencies. The 3% conversion fee is the part to weigh on those trips.
How can I contact Brex support?+
Support runs on chat, phone and help centre, so a card query can go to the help centre, live chat or phone. A company account can pick the channel that suits the urgency. Charges and limits can be checked in the same place.
Who runs Brex?+
The company behind the card is Brex, Inc., based in the United States. It was founded in 2017 and has grown around business spend and expense tooling. The card is one part of that wider company offer.
How does Brex compare with other low-cost cards?+
Wise charges a monthly fee of £0 and Bitpanda charges €0, so Brex matches them on account fees at $0. Its 3% conversion fee is higher than a reader focused on travel would want. Starling charges £0 for a personal debit card.
Sources
- brex.com checked September 26, 2026
Backs: Audience
“integrated financial operations platform for top companies”
- brex.com/contact checked September 26, 2026
Backs: Support channels
“Live Chat: Available 24/7 in the dashboard, Phone: Available 24/7, Help Center: https://www.brex.com/support”
- brex.com/pricing checked September 26, 2026
Backs: Features
“local-currency cards in 50+ countries, Unlimited global cards, accepted in 210+ countries and territories”
- en.wikipedia.org/wiki/Brex checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded on January 3, 2017”
- wallethub.com/d/brex-corporate-card-for-startups-3265c checked September 26, 2026
Backs: Card type, Monthly fee
“Daily Card that functions like a debit card for your Brex Cash account”
- brex.com/legal/card checked September 26, 2026
Backs: Currency conversion fee
“up to three percent (3%) of the Charge amount”
- nerdwallet.com/business/credit-cards/reviews/brex-card checked September 26, 2026
Backs: Annual fee, Card kind, Pricing model
“The Brex Card has a $0 annual fee for the Essentials subscription tier”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Brex
Businesses that want a card with no monthly charge and multi-currency spend.