Brex vs Divvy: Decoding the Expense Card Choice for Startups and Small Businesses

Brex vs Divvy: Decoding the Expense Card Choice for Startups and Small Businesses

Written by Ramsay, In Business, Published On
May 10, 2023
Last modified on July 16th, 2023

Navigating the world of expense management cards can be overwhelming, mostly for startups and small businesses seeking the best fit for their unique financial situations. Brex and Divvy are two prominent options that often show at the top of the list, thanks to their comprehensive financial management solutions and targeted focus on businesses in the early stages of growth. However, it can be difficult to differentiate between these two seemingly similar platforms at first glance, leaving many companies unsure of which card will best meet their needs.

In this article, we’ll provide a detailed comparison of Brex and Divvy, examining their features, requirements, fees, support options, and more. Once you finish reading this guide, you’ll have a clear understanding of the key differences between Brex and Divvy, empowering you to make an informed decision that will benefit your company’s financial health and future growth.

A Brief Overview of Brex and Divvy


Brex, a relatively new player in the market, offers a comprehensive financial management solution, including a credit card, business account, and spend management software. It targets businesses with a significant cash reserve, making it an attractive option for well-funded startups.


Divvy, on the other hand, focuses on easy access to business credit and expense management. Acquired by, Divvy’s integration with the platform suggests that it is on its way to becoming a more in-depth financial solution for small and medium-sized businesses.

Selecting the appropriate expense card for your business, whether it’s Brex or Divvy, is crucial for effective financial management. To further enhance your company’s growth, consider adopting a specialized SaaS management platform like Quolum. By combining the power of the ideal expense card with Quolum’s comprehensive management tools, you can strategically manage your finances and steer your business toward a prosperous future.

Key Differences Between Brex and Divvy



To qualify for a Brex card, your business must have a minimum of $50,000 in the bank. There are no specific spending requirements, and no credit check or security deposit is needed.


Divvy determines credit limits based on average monthly deposits, with cardholders typically required to spend at least $5,000 per month on their Divvy card to access tools. Like Brex, there is no credit check or security deposit requirement.



The first five cards are free with Brex, but each additional card incurs a $5 per user per month fee. Brex does not charge foreign transaction fees, late fees, or overdraft fees.


Divvy does not charge any upfront or monthly fees. However, it does impose late fees (2.99% or $38, whichever is more) and foreign transaction fees (up to 0.90%, as well as a 0.20% currency conversion fee).

Expense Management Tools and Integrations

Both Brex and Divvy offer a suite of expense management tools and integrations to streamline your business’s financial processes. These include expense management tools, payment services, bookkeeping software integration, and receipt scanning. While the specific features may vary, both platforms aim to provide a comprehensive financial management solution for businesses.

Card Issuers, Limits, and Support Options

Card Issuers


Brex cards are issued by Mastercard.


Divvy offers both Mastercard and Visa cards.

Card Limits


Brex card limits are determined by the business’s available cash reserves and can be set by the admin.


Similar to Brex, Divvy card limits are based on the business’s available cash reserves and can be adjusted by the admin.

Support Options


Brex provides support via email, chat, or phone, with a dedicated account manager available to assist.


Divvy also offers support through email, chat, or phone, with an account manager on hand to help.

Choosing Between Brex and Divvy

The choice between Brex and Divvy ultimately depends on your business’s unique needs and financial circumstances. By carefully examining the features, requirements, and fees associated with each card, you can determine which option aligns best with your organization’s goals.

Brex: A Good Fit for Well-funded Startups

If you are a startup with a sizeable cash reserve and need a simple, comprehensive financial management solution, Brex may be the perfect choice. According to their website, they offer their services to companies that have already attained or are on the verge of attaining a certain level of growth. Its seamless integration of a credit card, business account, and spend management software makes it an attractive option for companies in their early stages or experiencing rapid growth.

Divvy: Ideal for SMBs with Consistent Cash Flow

In case you own a small or medium-sized business with a steady cash flow and want better control over your expenses, Divvy might be the better choice. Its focus on expense management and easy access to business credit makes it particularly useful for organizations that require a granular approach to managing expenses and controlling employee spending.

Final Thoughts

Ultimately, the choice between Brex and Divvy comes down to your business’s specific needs and financial situation. If you’re a startup with a considerable amount of cash and require a hassle-free purchasing process, Brex may be the ideal choice. On the other hand, if you’re a small business with a consistent cash flow and want better control over expenses, Divvy might be more suitable. In any case, thoroughly examining the features, requirements, and fees of both expense cards will ensure that you choose the one that aligns best with your business goals.

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