The short answer
Brex is a corporate card and spend platform; SAP Concur is travel and expense software for the cards you already have. Brex Essentials costs $0 per user and Premium $12 per user a month; Concur charges from $7 per expense report on Base and $11 on Plus, with unlimited users.
LeadChange Score: editorial assessment based on public information.
Brex wins 2SAP Concur wins 12 ties
| Dimension | Brex | SAP Concur |
|---|---|---|
| PricingBrex Essentials costs $0 per user, Premium $12 per user a month, and Enterprise is custom. SAP Concur starts from $7 per expense report on Base and $11 on Plus; Premium is custom. Brex lists business account and bill pay fees in a fee schedule. Business account and bill pay fees per Brex's fee schedule, Smart Card and Enterprise custom-priced | $0/user/mo | $7/report (Base plan) |
| CapabilitiesBrex documents 8 of our 10 expense capabilities, with AI receipts, live budgets and reimbursements through payroll. SAP Concur documents 7 and adds Concur Travel, Concur Invoice and expense audits by its own auditors. Receipts, memos and attendees generated by AI, Receipts texted in and matched to the expense, In-policy spend auto-approved, out-of-policy declined, Managers review flags by Slack or SMS, Reimbursements paid through payroll, Live budgets with real-time reporting | 8 of 10 core capabilities | 7 of 10 core capabilities |
| IntegrationsSAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, QuickBooks, ADP and Egencia. Brex names NetSuite, Uber, Lyft, Gmail and Slack, plus ERP and HRIS integrations on Premium. 300 | 2 documented | 300 native |
| Fit and supportBrex names startups through enterprises; SAP Concur serves small businesses through enterprises. Brex offers 24/7 live support; Concur offers 24/7 support from experts. Startups, small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise | Small businesses, mid-market companies, enterprises |
| SecurityBoth state SOC 2 Type II. Brex adds SOC 1 Type II and PCI-DSS, and sign-on through Okta, Microsoft or Google Workspace. Yes | SOC 2 | SOC 2 |
| Attribute | Brex | SAP Concur |
|---|---|---|
| Pricing model | Per user | Tiered plans |
| Best for | Startups, small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Single sign-on | Okta, Microsoft, Google Workspace, SAML, OIDC | SAML 2.0 |
| Support channels | 24/7 live support, dedicated support for admins and bookkeepers, named account manager (Enterprise) | 24/7 support from experts, User Support Desk for employees (Plus and Premium) |
| Founded | 2017 | 1993 |
| Headquarters | San Francisco, California, US | Bellevue, Washington, US |
| Attribute | Brex | SAP Concur |
|---|---|---|
| Price transparency | Partly published | Partly published |
| Mobile apps | iOS, Android | iOS, Android |
| Open API | ||
| SOC 2 Type II | ||
| Ownership | Subsidiary | Subsidiary |
Pricing. Brex Essentials costs $0 per user, Premium $12 per user a month, and Enterprise is custom. SAP Concur starts from $7 per expense report on Base and $11 on Plus; Premium is custom. Brex lists business account and bill pay fees in a fee schedule.
Capabilities. Brex documents 8 of our 10 expense capabilities, with AI receipts, live budgets and reimbursements through payroll. SAP Concur documents 7 and adds Concur Travel, Concur Invoice and expense audits by its own auditors.
Integrations. SAP Concur lists 300+ pre-built connectors, including SAP, NetSuite, QuickBooks, ADP and Egencia. Brex names NetSuite, Uber, Lyft, Gmail and Slack, plus ERP and HRIS integrations on Premium.
Fit and support. Brex names startups through enterprises; SAP Concur serves small businesses through enterprises. Brex offers 24/7 live support; Concur offers 24/7 support from experts.
Security. Both state SOC 2 Type II. Brex adds SOC 1 Type II and PCI-DSS, and sign-on through Okta, Microsoft or Google Workspace.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
They solve different problems. Brex suits a company that wants new corporate cards with AI rules that approve or decline spend as it happens, from $0 per user. SAP Concur suits a company that keeps its cards and wants travel, invoices and expenses in one SAP system, priced per report.
Brex Essentials is $0 per user and Premium $12 per user a month; Enterprise and the Smart Card are custom-priced. SAP Concur’s Base starts at $7 per expense report and Plus at $11, with unlimited users. Concur’s per-report price falls as the contracted volume rises.
Ramp is Brex’s closest card-first competitor, and Navan Concur’s closest travel-and-expense competitor; Expensify, Rydoo and Zoho Expense compete with both. Brex’s bill pay and banking put it next to Ramp; Concur Travel puts Concur next to Navan.
Brex LLC is now a wholly owned subsidiary of Capital One, N.A. It was founded on January 3, 2017 and lists its company address in San Francisco.
Brex includes travel booking in its free Essentials plan. SAP Concur sells Concur Travel only in its custom-priced Premium plan, and reconciles bookings with expense reports.
It depends on what you want from the card. Brex declines out-of-policy spend at the card and auto-approves what is in policy; SAP Concur checks policy when the expense is submitted. Brex’s cards are accepted in 210+ countries and territories.
Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices.
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What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
Payments, commissions and lead fees are never inputs.
