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

Pick Pex if

• Fits if you hand out a few prepaid cards and spend over $1,000 a month
• Works for nonprofits, which have their own pricing

Look elsewhere if

• Tight if you spend under $1,000 a month on Base, as it costs $25
• Watch out: every account pays a 3% fee on each international transaction
• Watch out: a $50 dormancy fee applies after 90 days with no spending on an active card
• Pricey if you need the API, as it costs $5,000
• Skip it if you want credit-card rewards on everything, as the rebate is 0.5%, or 1% at $10,000 or more a month

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

Pex

• Every account pays a 3% International Service Assessment Fee on each international transaction.
• Prepaid cards are funded in advance, and a $50 dormancy fee applies after 90 days with no spending on an active card.
• API access costs a $5,000 fee, and expedited card shipping costs $55 to $70 per shipment.
• Cards are issued by Fifth Third Bank or The Bancorp Bank, per the footer; the rebate is 1% for monthly spend of $10,000 or more, otherwise 0.5%.

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.

Pex

Prepaid and credit cards

Visa prepaid cards funded in advance, a credit charge card, and virtual cards, each with spend rules per card or group.

Receipt management

Cardholders submit receipts, notes and tags from the mobile app, and AI matches receipts to transactions.

Funding and approvals

Bulk card ordering, automated funding rules and in-app approval of card funding and purchase requests.

Reimbursements and bill pay

Pay out-of-pocket claims and mileage, and pay bills, by ACH at $1 per payment beyond the free allowance.

Accounting integrations

The site lists 50+ no-cost integrations covering accounting, ERP and expense software, including QuickBooks Online.

Nonprofit pricing

Nonprofits see a separate price table, with lower Core and Pro fees and cheaper additional cards.

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.

Pex

• Prepaid Base$0

  per month, plus $25 in months under $1,000 spent

  Up to 5 free card accounts, then $8 each; $1 per ACH reimbursement.

• Prepaid Core$75

  per month

  Up to 20 free card accounts, then $4 each; 20 free ACH reimbursements, then $1. Fee waived in months over $50,000 spent.

• Prepaid Pro$200

  per month

  Up to 100 free card accounts, then $2 each; 100 free ACH reimbursements, then $1. Fee waived in months over $50,000 spent.

• Credit Expense$0

  Corporate charge card with no setup or subscription fees and $0 per card; up to 1% back on eligible purchases, with terms.

• Disburse$399.95

  one-time set-up fee

  For paying advocates, grantees or rewarding staff: 50 cards free, then $5 each. Custom card designs cost $5,000 extra.

Rho

Pricing could not be confirmed. See rho.co.

Pex

• Nonprofit

  Nonprofit pricing on Core and Pro

  Nonprofits pay $30 a month for Core and $80 for Pro, with extra cards at $1.60 and $0.80, per the pricing page.

Rho

No public discounts listed.