Brex vs Rho (2026): which should you pick?

Pick Brex if

• Fits if you're a startup that wants cards and expenses with no software bill
• Works for developers who want an API on the free plan

Look elsewhere if

• Skip it if you need several expense policies or approval chains without paying $12 a user
• Pricey if your team buys a lot in foreign currencies, with an FX markup of up to 3% on card purchases
• Not for you if you only want some users on Premium, since everyone must be on the same plan
• Tight if you run more than two entities, as Essentials stops there and the rest needs Premium
• Watch out: the pricing page doesn't say whether Premium's $12 is billed monthly or yearly

Pick Rho if

• Fits if you already bank with Rho and want to approve and file on your iPhone
• Works for founders who handle receipts from their phone

Look elsewhere if

• Not for you if you use Android, as only an iPhone listing is on record
• Pricey if you can't see a price, as none could be read
• Watch out: Rho says it is not a bank, and banking and cards come from Webster Bank, N.A., Member FDIC
• Too light for full expense policies, as the listing shows card, receipt and approval screens only

Brex

• Card purchases that need a currency conversion carry an FX markup of up to 3%; Brex charges no fee of its own for ACH, checks or wires.
• Brex LLC is owned by Capital One, N.A.; checking is provided by Column N.A., and the cards are issued by Emigrant Bank, Fifth Third Bank or Sutton Bank.
• Essentials allows up to two entities; multiple expense policies, approval chains and custom ERP or HR integrations need Premium.
• All users on an account must be on the same plan, and the pricing page does not say whether Premium is billed monthly or yearly.

Rho

• No prices could be read: rho.co answered automated requests with a security check, so pricing is unverified.
• The App Store listing is for iPhone only; other platforms were not confirmed from a page we could read.
• Rho says it is not a bank; banking services and cards come from Webster Bank, N.A., Member FDIC.

Brex

Corporate cards

Unlimited cards accepted in 210+ countries and territories, with local-currency cards and billing in 50+ countries on higher plans.

Expense policies

AI-powered rules check spending; Premium adds category rules, role-based exceptions, auto-approval and audit detection.

Bill pay

Automated bill pay by ACH, check, domestic wire or international wire in local currency or US dollars, with no Brex fee per payment.

Travel booking

Book business travel inside Brex, free on Essentials, with group travel and advanced travel rules on Premium.

Business account

Checking provided by Column N.A., plus Treasury and Vault cash management run by Brex Treasury LLC.

Accounting and API

Transactions sync to QuickBooks, Xero, NetSuite, Sage Intacct and Dynamics 365, and an API is included on every plan.

Rho

Card management

The app lets users monitor, lock and create Rho cards, and add cards to a mobile wallet.

Receipts and expense details

Employees file receipts and expense details from the app, and a recent update lets them split one transaction into parts and categorize each.

Reimbursement requests

Staff can request reimbursement for mileage and out-of-pocket spend from the app.

Payment approvals

Approvers can approve or reject payments from the app.

Balances and check deposit

The app shows banking balances and supports depositing checks.

Brex

• Essentials$0

  For startups: global cards, AI custom rules, up to two entities (one global), bill pay, reimbursements, free travel booking and real-time reports.

• Premium$12

  per user / month, billing term not stated

  Adds multiple expense policies, review and approval chains, AI audit checks, US and international entities, ERP and HR integrations, VAT documents and live budgets.

• EnterpriseCustom

  Unlimited entities, local card issuing, collections and reimbursements in other countries, an admin center and a named account manager.

Rho

Pricing could not be confirmed. See rho.co.