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Most buyers should pick Brex.
Choose Brex if you want a broader finance platform covering cards, banking, expenses, travel, bill pay, and accounting, with a free Essentials tier. Premium is $12 per user monthly. Choose SAP Concur if you need expense and travel workflows with unlimited users and per-report pricing starting at $7. Plus adds ExpenseIt, a support desk, and reporting; Premium pricing is custom. Compare report volume with seat costs before switching.
01Side by side
| Brex | SAP Concur | |
|---|---|---|
| Starting price | $0 per user monthly (Essentials) | $7 per report (Base) |
| Free plan | Yes: Essentials | No |
| Best for | Teams wanting cards, banking, and finance tools | Smaller businesses with basic expense needs |
| Core strength | Broad finance platform, from cards to accounting | Expense, travel, and invoice workflows |
| Learning curve | Higher ease-of-use review score: 7.5 | Lower ease score; users report frustrating workflows |
| Integrations/data | Accounting integrations; customizable ERP and HRIS on Premium | Financial-system integrations, policy checks, and reporting |
| Team/seat costs | Premium: $12 per user monthly | Per report; Base includes unlimited users |
| Support | Support score: 6; Enterprise includes named account manager | Plus includes support desk; support score: 5 |
Brex Choose Brex if
- Choose Brex if you want cards, banking, and spend tools together.
- Choose Brex if a free per-user Essentials tier fits your needs.
- Choose Brex if you need customizable ERP and HRIS integrations on Premium.
SAP Concur Choose SAP Concur if
- Choose SAP Concur if per-report pricing suits your expense volume.
- Choose SAP Concur if unlimited users matter more than per-seat pricing.
- Choose SAP Concur if you need travel and invoice workflows alongside expenses.
02Pricing compared
Brex has a free Essentials tier. It includes one local card program, up to two entities (one global), accounting integrations, and free travel booking. Premium is $12 per user per month; annual rates are not published. Enterprise and Smart Card use custom pricing.
SAP Concur has no free plan listed. Base starts at $7 per report and includes unlimited users and Concur Expense. Plus starts at $11 per report, adding ExpenseIt, a User Support Desk, and reporting. Premium pricing is custom. Concur’s pricing page says rates vary by monthly commitment and publishes no annual rate.
The units are not directly comparable: Brex charges by user on paid Premium, while Concur’s listed entry plans charge by report. Compare expected seats and report volume before switching.
03Features and depth
Brex is the broader finance platform: its product covers cards, banking, expenses, travel, bill pay, and accounting. The listed capabilities include spending controls, expense approvals and reports, travel booking, invoice approvals and payments, and accounting automation such as GL coding and accruals. Its free Essentials tier includes accounting integrations and travel booking; Premium adds customizable expense policies, review chains, multi-entity support, and customizable ERP and HRIS integrations.
SAP Concur centers on spend workflows for expenses, travel, and invoices. Its listed features include receipt capture, expense-report generation, card-transaction matching, policy checks, approval routing, spend reporting, and invoice processing. Plan details matter: Base lists Concur Expense; Plus adds ExpenseIt, a User Support Desk, and reporting; Premium adds Concur Travel and Intelligence.
Choose by workflow breadth, not feature count alone. Brex combines more finance functions in one platform; Concur’s listed plans focus on expense and travel processes, with invoice management among its broader capabilities.
04Ease of use and learning curve
Our review scores Brex 7.5 for ease of use and SAP Concur 5. It also gives Brex a user-sentiment score of 5.5, versus 4 for Concur. Those scores suggest an advantage for Brex in this comparison, but they do not explain how either product will fit a specific team.
Brex’s wider scope may mean evaluating more workflows, while Concur’s plan structure separates expense features from travel and other capabilities. The published Concur review describes its workflow as frustrating for users. We don’t have enough detail here to compare setup time, training needs, or migration effort, so map your current approval and reporting processes before choosing.
Questions people ask
Is Brex a good company to work for?
This comparison does not provide employee reviews, workplace ratings, or hiring details, so we can’t judge Brex as an employer from these sources. It covers Brex’s finance platform, plans, and published product-review score, which is not the same as a workplace assessment.
Does Concur have an AI agent?
The published material does not identify a Concur AI agent. It says SAP Concur has policy checks, reporting, and automation, and that Plus includes additional AI-powered features alongside ExpenseIt, a support desk, and reporting. That supports saying it has AI-related features, not confirming an agent.
Who are Brex’s main competitors?
The material here does not provide a full competitor list for Brex. It supports comparing Brex with SAP Concur: Brex spans cards, banking, expenses, travel, bill pay, and accounting, while Concur centers on expense, travel, and invoice workflows. Treat that as a product contrast, not a ranked competitor list.
Is SAP the same as Concur?
The source identifies SAP Concur as a cloud-based platform for spend, travel, expenses, and invoices. It does not explain SAP’s corporate relationship to Concur, so we can’t use these materials alone to answer whether SAP and Concur are the same company. They are paired in the product name used here.