Halocard vs Brex

Halocard is a US-issued Visa credit card for customers in the US and 120+ countries: an individual signs up in under 5 minutes, verifies in under 3 minutes and makes a card, with no company, cash reserve or revenue to show. Outside the US? You don't need an SSN, a US address or a US bank account. Brex is for companies. It requires a US EIN, a valid US incorporation, US operations and a US physical address. Its account requirements page then asks for an equity investment of any amount, more than $500,000 a year in revenue, or, for tech startups on a path to either, a referral from a customer or partner, adds $50,000 in cash for funded startups paying monthly, and says sole proprietors don't qualify, nonprofits are reviewed case by case and meeting the requirements doesn't guarantee approval. If a company's registered address is virtual, a beneficial owner or control officer must have a verifiable physical presence in the US. Halocard doesn't offer company accounts. See supported countries

Both serve businesses without a personal guarantee, but they work differently. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, so you spend what you have funded and there is nothing to repay. The Brex card is a charge card: Brex sets the limit from your cash balance, revenue or funding, you pay each statement in full, and its Platform Agreement says it may report company payment history to credit reporting agencies. Halocard never reports to credit bureaus. Check merchant acceptance

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and never connects to your bank account. Brex limits are underwritten from the bank accounts you connect through Plaid or Finicity, and a card statement is paid in full from a linked bank account or a Brex business account. Daily payments require a Brex business account. It takes funding by ACH, wire and check, and doesn't confirm stablecoin or crypto funding. See how to deposit

Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Brex offers a business account too: checking provided by Column N.A., Member FDIC, plus Treasury and Vault cash management from Brex Treasury LLC, a Capital One company. It is separate from the card, required for daily payments and optional for monthly ones. Send and receive USD payments

Brex gives finance teams more to configure: employee card limits that reset monthly, spend limits, purchasing cards with a built-in limit for recurring vendors, and policies and approvals on its Premium plan. Halocard keeps it simpler: you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card, on an account for one person, with no team roles. Brex's help pages show a billing address tied to each card, with no setting to choose one. See card spending limits

This is where Brex is far ahead. It is a spend management platform with accounting and ERP integrations, bill pay, reimbursements, travel booking, policies and approval chains. Halocard issues the cards and shows you every transaction in real time, but does not include expense management software, accounting integrations or bill pay. If your finance team's main problem is expense reporting and month-end close, Brex is built for it. Visit the help centre

Brex pays points that vary by category: 7x on rideshare, 4x on Brex prepaid travel, 3x on restaurants, 2x on software and 1x on everything else. Points don't expire while the account is active. Halocard pays no cashback on purchases. What it pays is a referral commission: $5 to $25 a month for every friend you refer, for up to 12 months, and Essential is free with 3 referrals. See how referrals work

Halocard solves access: a Visa credit card in US dollars for individuals in the US and 120+ countries, with a billing address you choose for US-only checkouts. Brex solves localisation for companies it approves, with local-currency cards and billing in 50+ countries and Mastercard acceptance in 210+ countries and territories. Its pricing page says 50+ countries, where its corporate card page says 60. See supported countries

Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others, and with no credit line there is nothing to pay late. Brex charges no additional fee on domestic card transactions and no foreign transaction fee, but applies an FX rate markup of up to 3% when a purchase needs converting; local-currency cards avoid it. Its card terms add a late fee of 2.99% of the overdue balance or $38, whichever is higher, and its Platform Agreement allows late fee interest of up to 10% a year. See all Halocard fees

Brex's Essentials plan is free and Premium is $12/user/month, so its price scales with headcount. Halocard plans are flat monthly prices that scale with cards: $12, $15 and $75 a month, plus a minimum first deposit from $30. Essential is free with 3 referrals. A free tier is a real advantage for a company that qualifies and only needs Brex's basics, and its points can offset costs for high card spend. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. Brex's contact page lists live chat in the dashboard and phone support around the clock, and its card terms list a support email address. Visit the help centre

Brex names its company, its issuing banks, its account bank and its founders, and has been owned by Capital One, N.A. since April 7, 2026. Its Trustpilot rating is 1.8/5 from 576 reviews. Halocard names its company, card issuer, account bank and founder. About Halocard