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Brex vs Folk: 2026 Comparison

Brex Folk
Overview A financial platform for startups and growing companies offering corporate cards, expense management, and bill pay with no personal guarantee. A modern CRM designed for relationship-driven teams that combines contact management with outreach and pipeline tracking.
Pricing Freemium (Free-$12/user/month) Subscription ($20-$40/user/month)
Key Features
  • Corporate cards
  • Expense management
  • Bill pay
  • Reimbursements
  • Travel
  • Budgets
  • Accounting integrations
  • Rewards
  • Contact management
  • Email sequences
  • Pipeline management
  • Chrome extension
  • Enrichment
  • Mail merge
  • Custom fields
  • Group management
Pros
  • No personal guarantee
  • Real-time expense tracking
  • Good integrations
  • Travel features
  • Beautiful modern interface
  • Easy contact import
  • Good for relationship management
  • Flexible and lightweight
Cons
  • Requires business bank account
  • Limited to funded startups
  • Rewards have changed
  • Customer support varies
  • Relatively new product
  • Limited integrations
  • No phone or SMS
  • Reporting is basic