# Brex vs Penny Inc. Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Brex excels in user satisfaction, boasting a significantly higher overall rating compared to Penny Inc. Users appreciate Brex's features like automatic receipt loading, which saves time and simplifies the expense reporting process.
- **According to verified reviews** , Penny Inc. is praised for its user-friendly interface and responsive customer service. Users highlight the platform's reliability and the absence of fees, making it an attractive option for small businesses.
- **Reviewers mention** that Brex offers a more comprehensive feature set, including mobile expense recording and timely alerts for necessary actions. This level of functionality enhances day-to-day usability, especially for companies managing travel expenses.
- **Users say** that while Penny Inc. provides a straightforward setup process, Brex matches this ease of setup while also delivering a more robust overall experience, as evidenced by its higher ratings in user satisfaction metrics.
- **G2 reviewers highlight** that Brex's extensive user base and recent activity indicate a strong market presence, which can be reassuring for potential buyers looking for a well-supported product. In contrast, Penny Inc. has fewer recent reviews, which may raise questions about its current relevance in the market.
- **According to user feedback** , both products score well in terms of meeting user requirements, but Brex edges out with a slightly higher rating. Users appreciate how Brex keeps them informed and engaged with their expenses, while Penny Inc. is noted for its simplicity and ease of use.



| | Brex | Penny Inc. | 
|---|---|---|
| **Star Rating** | 4.8 out of 5 | 3.5 out of 5 | 
| **Total Reviews** | 1,574 | 11 | 
| **Largest Market Segment** | Small-Business (56.3% of reviews) | Small-Business (80.0% of reviews) | 
| **Entry Level Price** | Contact Us | Free | 

---
## Top Pros & Cons

### Brex

Pros:
- Ease of Use (367 reviews)
- Expense Management (131 reviews)

Cons:
- Approval Issues (54 reviews)
- Upload Issues (26 reviews)

### Penny Inc.

**Not enough data**

---
## Ratings Comparison
| Rating | Brex | Penny Inc. | 
|---|---|---|
  | **Meets Requirements** | 9.5 (1162 reviews) | 9.3 (7 reviews) | 
  | **Ease of Use** | 9.6 (1189 reviews) | 9.5 (7 reviews) | 
  | **Ease of Setup** | 9.4 (571 reviews) | 9.4 (6 reviews) | 
  | **Ease of Admin** | 9.4 (368 reviews) | 10.0 (6 reviews) | 
  | **Quality of Support** | 9.5 (958 reviews) | 9.6 (8 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.5 (362 reviews) | 10.0 (6 reviews) | 
  | **Product Direction (% positive)** | 9.0 (1080 reviews) | 7.1 (8 reviews) | 

---
## Pricing

### Brex

#### Entry-Level Pricing

Plan: Premium

Price: Contact Us

Description: For mid-sized companies looking to scale. Everything included in Essentials plus: 

Key Features:
- Custom expense policies and approvals
- In-app travel booking and management
- Live Budgets with real-time tracking

[Browse all 3 editions](https://www.g2.com/products/brex/pricing)

#### Free Trial

Yes

### Penny Inc.

#### Entry-Level Pricing

Plan: All tiers

Price: Free

Key Features:
- Unlimited Virtual Debit Cards
- Business Debit Cards
- Quickbooks Integration

[Learn more about Penny Inc.](https://www.g2.com/products/penny-inc/reviews)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Brex** | 9.1/10 | 912 |
| **Penny Inc.** | N/A | N/A |

#### Expense Reports

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Ease of Creating Expense Reports** | 9.2 (630 reviews) | Not enough data | 
| **Bank / Credit Card Integration** | 9.3 (688 reviews) ✓ Verified | Not enough data | 
| **Smart Categorization** | 9.0 (647 reviews) ✓ Verified | Not enough data | 
| **Digital Receipt Management** | 9.4 (746 reviews) ✓ Verified | Not enough data | 
| **Employee Reimbursement** | 9.2 (520 reviews) | Not enough data | 
| **Currency Conversions** | 8.8 (330 reviews) | Not enough data | 
| **Credit Card Integration** | 9.3 (615 reviews) ✓ Verified | Feature Not Available | 

#### Agentic AI - Expense Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Autonomous Task Execution** | 9.2 (24 reviews) | Not enough data | 
| **Cross-system Integration** | 9.1 (24 reviews) | Not enough data | 

#### Travel Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Ease of Booking** | 9.0 (366 reviews) | Not enough data | 
| **Itinerary Management** | 8.6 (333 reviews) | Not enough data | 
| **Trip Notifications** | 8.5 (323 reviews) | Not enough data | 
| **Advanced Integrations** | 8.8 (430 reviews) ✓ Verified | Not enough data | 

#### Client Invoicing

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Invoice Creation and Delivery** | Feature Not Available | Not enough data | 
| **Electronic Payments** | 9.3 (538 reviews) | Not enough data | 
| **Project Accounting / Revenue Recognition** | 8.9 (387 reviews) | Not enough data | 

#### Generative AI - Expense Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Receipt Capture** | 9.4 (697 reviews) ✓ Verified | Not enough data | 
| **Mileage Tracking** | 8.7 (362 reviews) ✓ Verified | Not enough data | 
| **Travel Itinerary and Flight Status Updates** | 8.6 (295 reviews) | Not enough data | 

#### Platform

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Embedded AI / Machine Learning** | 8.7 (384 reviews) ✓ Verified | Not enough data | 
| **Complex Approval Workflow** | 8.7 (357 reviews) | Not enough data | 

#### Administration

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **PCI Regulation Compliant** | 9.1 (374 reviews) ✓ Verified | Not enough data | 

#### Administration

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Business Tool Integration** | 9.0 (480 reviews) | Not enough data | 
| **Workflow** | 9.2 (494 reviews) | Not enough data | 
| **Automated Reminders** | 9.1 (564 reviews) ✓ Verified | Not enough data | 
| **Policy Compliance Management** | 9.1 (451 reviews) | Not enough data | 
| **User, Role, and Access Management** | 9.3 (579 reviews) ✓ Verified | Not enough data | 

#### Platform

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Reporting** | 9.2 (539 reviews) ✓ Verified | Not enough data | 
| **APIs / Integration** | 8.9 (418 reviews) ✓ Verified | Not enough data | 
| **Internationalization** | 9.1 (383 reviews) | Feature Not Available | 
| **Performance and Reliability** | 9.5 (655 reviews) ✓ Verified | Not enough data | 
| **Mobile User Support** | 9.4 (592 reviews) ✓ Verified | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Brex** | 9.0/10 | 414 |
| **Penny Inc.** | N/A | N/A |

#### Setup

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Data** | 9.0 (263 reviews) | Not enough data | 
| **Approvals** | 9.2 (301 reviews) | Not enough data | 
| **Alignment** | 9.0 (246 reviews) | Not enough data | 

#### Performance

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **KPIs** | 8.6 (210 reviews) | Not enough data | 
| **Benchmarks** | 8.5 (206 reviews) | Not enough data | 
| **Forecasting** | 8.3 (211 reviews) | Not enough data | 
| **Savings** | 8.7 (222 reviews) | Not enough data | 

#### Payment Cards

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **One-time Virtual** | 9.2 (256 reviews) | Not enough data | 
| **Recurring Virtual** | 9.1 (266 reviews) | Not enough data | 
| **Physical** | 9.3 (296 reviews) | Not enough data | 

#### Reporting

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Real time** | 9.2 (280 reviews) | Not enough data | 
| **Multiple Views** | 9.1 (242 reviews) | Not enough data | 
| **Export** | 9.2 (241 reviews) | Not enough data | 
| **Budgets** | 9.0 (240 reviews) | Not enough data | 

#### Payments

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Vendor** | 9.1 (258 reviews) | Not enough data | 
| **Recurring** | 9.0 (247 reviews) | Not enough data | 
| **Employee Reimbursements** | 9.1 (262 reviews) | Not enough data | 
| **ACH** | 9.1 (250 reviews) | Not enough data | 

#### Fraud & Risk Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Notifications** | 9.3 (304 reviews) | Not enough data | 
| **Unique Cards** | 9.2 (282 reviews) | Not enough data | 
| **Controls** | 9.3 (275 reviews) | Not enough data | 

#### Agentic AI - Spend Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Proactive Assistance** | 9.4 (15 reviews) | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **Brex** | 9.6/10 | 9 |
| **Penny Inc.** | N/A | N/A |

#### Invoice Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Capture** | 9.3 (9 reviews) | Not enough data | 
| **Supplier Portal** | 9.3 (9 reviews) | Not enough data | 
| **Repository** | 9.3 (9 reviews) | Not enough data | 

#### Invoice Processing

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Matching** | 9.4 (9 reviews) | Not enough data | 
| **Payments** | 9.4 (9 reviews) | Not enough data | 
| **Workflows** | 9.8 (8 reviews) | Not enough data | 
| **Tax Compliance** | 9.2 (8 reviews) | Not enough data | 

#### Analytics

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Due Dates** | 9.8 (8 reviews) | Not enough data | 
| **Benchmarking** | 9.8 (8 reviews) | Not enough data | 
| **KPIs** | 9.6 (8 reviews) | Not enough data | 

#### Integration

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Accounting** | 10.0 (8 reviews) | Not enough data | 
| **Payment Integration** | 10.0 (8 reviews) | Not enough data | 
| **ERP** | 9.8 (8 reviews) | Not enough data | 

#### Risk

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Analysis** | 9.8 (8 reviews) | Not enough data | 
| **Identification** | 9.8 (8 reviews) | Not enough data | 
| **Scoring** | 9.8 (8 reviews) | Not enough data | 

#### Recovery

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Recoup** | 9.8 (8 reviews) | Not enough data | 
| **Reporting** | 9.8 (8 reviews) | Not enough data | 

#### Audit

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Filters** | 9.8 (8 reviews) | Not enough data | 
| **Post Audits** | 9.6 (8 reviews) | Not enough data | 
| **Overpayments** | 9.4 (8 reviews) | Not enough data | 
| **Duplicates** | 9.2 (8 reviews) | Not enough data | 

#### Fraud

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Vendor Checks** | 9.4 (8 reviews) | Not enough data | 
| **Data Generation** | 9.4 (8 reviews) | Not enough data | 
| **Monitoring** | 9.4 (8 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Autonomous Task Execution** | 10.0 (5 reviews) | Not enough data | 
| **Proactive Assistance** | 10.0 (5 reviews) | Not enough data | 
| **Decision Making** | 9.7 (5 reviews) | Not enough data | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **Brex** | 9.2/10 | 808 |
| **Penny Inc.** | N/A | N/A |

#### Expense Reporting

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Expense Automation** | 9.7 (28 reviews) | Not enough data | 
| **Integration** | 9.3 (25 reviews) | Not enough data | 
| **Compliance** | 9.3 (26 reviews) | Not enough data | 
| **Mobile Functionality** | 9.6 (26 reviews) | Not enough data | 

#### Travel Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Ease of Booking** | 9.0 (366 reviews) | Not enough data | 
| **Itinerary Management** | 8.6 (333 reviews) | Not enough data | 
| **Trip Notifications** | 8.5 (323 reviews) | Not enough data | 
| **Advanced Integrations** | 8.8 (430 reviews) ✓ Verified | Not enough data | 

#### Approval 

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Rules** | 9.5 (27 reviews) | Not enough data | 
| **Workflows** | 9.5 (26 reviews) | Not enough data | 
| **Submit** | 9.5 (27 reviews) | Not enough data | 

#### AI - Travel Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Personalization** | 9.2 (22 reviews) | Not enough data | 
| **Predictive Analytics** | 8.8 (22 reviews) | Not enough data | 
| **Cost Savings** | 8.9 (22 reviews) | Not enough data | 
| **Efficiency** | 9.0 (22 reviews) | Not enough data | 
| **Real-Time Assistance** | 9.2 (22 reviews) | Not enough data | 

#### Agentic AI - Travel Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Autonomous Task Execution** | 9.7 (6 reviews) | Not enough data | 
| **Proactive Assistance** | 9.7 (6 reviews) | Not enough data | 

#### Employee Risk Management

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Emergency Assistance Integration** | Not enough data | Not enough data | 
| **Policy Enforcement & Compliance** | Not enough data | Not enough data | 
| **Traveler Tracking** | Not enough data | Not enough data | 
| **Risk Alerts & Safety Notifications** | Not enough data | Not enough data | 

#### Sustainability & Reporting

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Sustainability Reporting** | Not enough data | Not enough data | 
| **Green Travel Recommendations** | Not enough data | Not enough data | 
| **Carbon Emissions Tracking** | Not enough data | Not enough data | 

### Recurring Revenue Finance

| Product | Score | Reviews |
|---|---|---|
| **Brex** | 9.3/10 | 55 |
| **Penny Inc.** | N/A | N/A |

#### Dashboard

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Capital** | Feature Not Available | Not enough data | 
| **Payouts** | 9.5 (42 reviews) | Not enough data | 
| **Fees** | 9.3 (44 reviews) | Not enough data | 
| **Payment Schedule** | 9.3 (43 reviews) | Not enough data | 

#### Integrations

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Subscription Management** | 9.3 (42 reviews) | Not enough data | 
| **Banking** | 9.4 (46 reviews) | Not enough data | 
| **Accounting** | 9.5 (42 reviews) | Not enough data | 

#### Analytics/Reporting

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Cash Balance** | 9.5 (45 reviews) | Not enough data | 
| **ARR** | 8.8 (34 reviews) | Not enough data | 
| **Valuation** | 8.8 (36 reviews) | Not enough data | 
| **Customer Metrics** | 8.9 (36 reviews) | Not enough data | 
| **Expenses** | 9.7 (43 reviews) | Not enough data | 

#### Agentic AI -  Recurring Revenue Finance

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Multi-step Planning** | 9.0 (7 reviews) | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Brex** | N/A | N/A |
| **Penny Inc.** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Brex | Penny Inc. | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to Brex (4):** [Spend Management Software](https://www.g2.com/categories/spend-management), [Recurring Revenue Finance Software](https://www.g2.com/categories/recurring-revenue-finance), [Travel Management Software](https://www.g2.com/categories/travel-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation)



---
## Reviewer Demographics

### By Company Size

| Segment | Brex | Penny Inc. | 
|---|---|---|
| **Small-Business** | 56.3% | 80.0% | 
| **Mid-Market** | 38.4% | 20.0% | 
| **Enterprise** | 5.3% | 0% | 

### By Industry

#### Brex

- **Computer Software:** 20.4%
- **Information Technology and Services:** 12.1%
- **Financial Services:** 5.5%
- **Hospital & Health Care:** 3.4%
- **Marketing and Advertising:** 2.9%
- **Health, Wellness and Fitness:** 2.8%
- **Biotechnology:** 2.7%
- **Accounting:** 2.7%
- **Retail:** 2.7%
- **Real Estate:** 1.9%
- **Other:** 43.0%

#### Penny Inc.

- **Hospital & Health Care:** 20.0%
- **Restaurants:** 10.0%
- **Plastics:** 10.0%
- **Package/Freight Delivery:** 10.0%
- **Marketing and Advertising:** 10.0%
- **Food & Beverages:** 10.0%
- **Facilities Services:** 10.0%
- **Education Management:** 10.0%
- **Civic & Social Organization:** 10.0%

---
## Alternatives

### Alternatives to Brex

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2420 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2100 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5640 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Mercury](https://www.g2.com/products/mercury-mercury/reviews) — 4.5/5 stars (121 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 reviews)

### Alternatives to Penny Inc.

- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2100 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2420 reviews)
- [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1521 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5640 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (974 reviews)
- [BQE CORE](https://www.g2.com/products/core-bqe-software-inc/reviews) — 4.3/5 stars (449 reviews)
- [Cardata](https://www.g2.com/products/cardata/reviews) — 4.3/5 stars (443 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews)

---
## Top Discussions

### Brex

- Title: [How has Brex been for you as a small business long term?](https://www.g2.com/discussions/how-has-brex-been-for-you-as-a-small-business-long-term) — 2 comments, 1 upvote
  > **Top comment:** "They dismissed small buisnesses from their platform under new requirements:

•	Received an equity investment of any amount (accelerator, angel, VC or web3..."
- Title: [What is Brex used for?](https://www.g2.com/discussions/what-is-brex-used-for) — 1 comment
  > **Top comment:** "for managing corporate finance"
- Title: [What are Brex alternatives?](https://www.g2.com/discussions/what-are-brex-alternatives) — 1 comment, 1 upvote
  > **Top comment:** "Comment deleted by user."
- Title: [How does Brex earn profit?](https://www.g2.com/discussions/how-does-brex-earn-profit) — 1 comment, 1 upvote
  > **Top comment:** "I think they make money off of commission through their treasury program and off interchange fees when you use your credit card (just like American Express..."
- Title: [More Physical Cards?](https://www.g2.com/discussions/more-physical-cards) — 1 comment, 1 upvote
  > **Top comment:** "Hey Brian, you can get 1 physical card for each user that you add to the account. "

### Penny Inc.

No discussions available for this product.

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/brex-vs-penny-inc)