Clyr vs Brex: the best Brex alternative when you keep your own cards

Every swipe on your company Amex, Visa or Mastercard lands in one live feed. Clyr texts for the receipt, codes it to the job or property, routes the approval and syncs it. No new card.

The best Brex alternative for companies that want to keep their own cards is Clyr. Clyr runs on the Amex, Visa or Mastercard you already have. Every swipe lands in one live feed, the cardholder texts the receipt, rules and AI code it to the job or property, approvals run, and bills and reimbursements sit in the same system.

For contractors, Clyr is the Brex alternative that keeps your existing cards. Brex's expense page describes automation when employees swipe a Brex card. Clyr works on the cards your crews already carry: a text at the swipe, coding to jobs and cost codes, approvals, bill pay, and sync to QuickBooks and field platforms like ServiceTitan and Jobber.

Existing cards. Brex's card and expense pages describe spend on a Brex card, and the help center covers moving vendor spend onto Brex cards. Clyr connects the Amex, Visa, and Mastercard accounts the company already holds, across 16,000+ institutions, and issues no replacement. The guide to keep your existing cards walks through the connection.

Receipts. Clyr texts the cardholder at the swipe. A photo reply closes it, and a no-login link covers a sub or helper with no account. Brex also says employees can text in a receipt. That match is to a Brex expense.

Job costing. Clyr codes spend to jobs, cost codes, properties, and GL accounts with rules and AI, and shows budget against actual while the job is open. Brex's card page says a Brex card swipe can categorize to a GL and/or project.

Bill pay and the books. Clyr keeps approvals, ACH, check, and card payments, PO matching, utility bill retrieval, and 1099 e-filing in the same system as card spend. It syncs two ways with QuickBooks, plus Xero, NetSuite and Sage Intacct, plus ServiceTitan, Jobber, Procore, Buildertrend and AppFolio (two-way sync). See integrations.

Who should choose Brex

Teams that will issue Brex cards and run expenses on those cards. Brex's expense and card pages describe that card as the feed. Capital One completed the acquisition on April 7, 2026; the product pages still describe a Brex card.

Who should choose Clyr

Construction, property management, and field service companies, and the bookkeepers who close their books, that want receipts by text, coding to jobs and properties, approvals, and bill pay on the cards already in use.