# Pex review (2026): is the free plan enough?

> Prepaid and credit business cards with employee spend controls

Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA.

PEX issues Visa cards to US businesses and nonprofits for employee spending. The main product is a prepaid expense card funded in advance, sold in Base, Core and Pro tiers by monthly fee and number of free cards, with a separate credit charge card and a Disburse card for paying grantees or advocates. Receipts are matched with AI and synced to more than 50 accounting and ERP tools.

- **Category:** Spend & Bill Pay
- **Made by:** Prepaid Expense Card Solutions, Inc.
- **Website:** https://www.pexcard.com
- **Runs on:** Web, Android
- **Who should skip it:** Tight if you spend under $1,000 a month on Base, as it costs $25.
- **Facts last checked:** Nov 12, 2026

## Pricing

As of Nov 12, 2026, Pex has a free plan, and paid plans start at $0 per month for Base, with up to 5 free cards.

- **Pricing model:** Free plan
- **Free plan:** Prepaid Base: $0 monthly fee with up to 5 free card accounts; $25 monthly fee in months with under $1,000 spent.
- **Free trial:** None listed.

| Plan | Price | What you get |
| --- | --- | --- |
| 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. |

Read from https://www.pexcard.com/pricing/ on Nov 12, 2026. Prices change, so confirm with Pex before buying.

## Ways to pay less

- **Nonprofit pricing on Core and Pro** (Nonprofit): Nonprofits pay $30 a month for Core and $80 for Pro, with extra cards at $1.60 and $0.80, per the pricing page. Source: https://www.pexcard.com/pricing/

## Key features

- **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.

## Good for

- Small organizations that want separate funded cards for each employee or program
- Nonprofits needing cheaper per-card pricing
- Teams that prefer prepaid funding over a line of credit

## Worth knowing

- 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%.

## ToolGPA grades

**GPA: 2.2 out of 4**, graded Nov 12, 2026. PEX issues prepaid and credit cards with receipt capture, approvals and reimbursements, and Base has no monthly fee. Base charges $25 in months under $1,000 of spend, and fees for API access, international use and dormant cards pile up.

- **Value for money: C.** Base is $0 a month but charges $25 in months under $1,000 spent; Core is $75 and Pro $200. Compared with expense tools' $7.50 to $20 per seat, it is a card programme priced by cards and spend, so we leave it at the middle.
- **Free plan and trial: C.** Base has up to 5 free card accounts. Past that you pay per card, and the $25 low-spend fee applies.
- **Features: C.** Prepaid and credit cards, receipts, funding and approvals, reimbursements, bill pay and accounting links. The listing shows it works by pre-funding cards, with fees on top.
- **Ease of use: C.** No store rating on record. Cards, funding and an accounting link to set up.
- **Platforms and integrations: B.** Web and Android on record, with two integrations. No iPhone app listed.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Pex's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.

## Where it stands among spend and bill pay tools

- Pex's GPA of 2.2 is higher than 32 of the 51 other spend and bill pay tools we grade, and level with 5.
- It stands best on platforms and integrations (B, above 9 of 51) and worst on ease of use (C, above 0).

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, or make your own?

**Keep it.** To replace Pex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.

- You could make: Expense tracking and reports: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: A real app for Android. Something home-made would be a web page.
- You could not: It plugs into other products, QuickBooks Online and SAP Concur among them, and has an API.
- You could not: AI features, unless you pay a model provider for each request yourself.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## Works with

QuickBooks Online, SAP Concur

**Tags:** Company cards, Expense tracking, Bill pay, AI features, Public API, Reports

## Alternatives

- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/pex-vs-ramp)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-pex)
- [Extend](https://toolgpa.com/tools/extend): Virtual cards and expense tracking on top of your own bank cards. [Compare](https://toolgpa.com/compare/extend-vs-pex)
- [Rho](https://toolgpa.com/tools/rho): Business banking, corporate cards and expense tools in one app. [Compare](https://toolgpa.com/compare/pex-vs-rho)
- [Expensify](https://toolgpa.com/tools/expensify): Receipt scanning, expense reports and company cards, from $5 a member. [Compare](https://toolgpa.com/compare/expensify-vs-pex)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 12, 2026:

- https://www.pexcard.com/pricing/
- https://www.pexcard.com/platform/mobile/
- https://www.pexcard.com/platform/integrations/

Page: https://toolgpa.com/tools/pex
Listed by ToolGPA (toolgpa.com).