Ramp
Plus
$15.00 × 10 seats$150.00
× 12 months$1,800.00
Per year
$15.00 per person / mo
$1,800
Plus a base fee
Ramp vs BILL Spend & Expense (formerly Divvy)
Compare with for .
Ramp
79%
match · $1,800/yr
BILL Spend & Expense (formerly Divvy)
45%
match · quote
Ramp is the better fit.
It publishes its prices; the other needs a sales quote.
How we work out the matchWhat matters most?
Fine-tune
What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
BILL Spend & Expense (formerly Divvy)
Sales quote
No public priceask sales
Per year
Quote
No public price
Ramp
From $15Free plan
G2 4.8 · 2,546 reviewsU.S. companies with at least $25,000 in the bank that want corporate cards, expenses, reimbursements and bill pay in one free tool, with room to grow into Plus.
vs
BILL Spend & Expense (formerly Divvy)
From Custom
G2 4.5 · 2,240 reviewsSmall and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables.
Side by side
| Ramp | BILL Spend & Expense (formerly Divvy) | |
|---|---|---|
| Pricing | Free plan at $0/user/month; Plus from $15/user/month plus a platform fee | $0 per user per month |
| G2 Rating | 4.8 (2,546 reviews) | 4.5 (2,240 reviews) |
| Best For | U.S. companies with at least $25,000 in the bank that want corporate cards, expenses, reimbursements and bill pay in one free tool, with room to grow into Plus. | Small and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables. |
Pros and cons
Ramp
Pros
- Free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync
- No personal guarantee on the corporate card
- One system for cards, reimbursements, bills and travel
- Clear upgrade path to NetSuite, Sage Intacct and multi-entity on Plus
Cons
- Requires a registered U.S. entity and $25,000 in cash; sole proprietors cannot apply
- Plus adds an unpublished platform fee on top of $15/user/month
- Local-currency cards for other countries are an Enterprise feature
BILL Spend & Expense (formerly Divvy)
Pros
- No software fee and no card fees
- No published minimum bank balance; underwriting looks at the whole business
- Budget-first setup suits teams that think in departments and projects
- Pairs with BILL accounts payable if you already use it
Cons
- Rewards rules are complex: 12-month holding period and a 30% of credit line spend requirement
- BILL does not publish a full feature list per plan for Spend & Expense
- Paying invoices by card costs 2.9%
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