Plus a base fee
Ramp vs Brex
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What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Ramp
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.
Brex
Venture-backed startups and larger companies with international teams that want high card limits, local-currency cards and travel in one platform.
Side by side
| Ramp | Brex | |
|---|---|---|
| Pricing | Free plan at $0/user/month; Plus from $15/user/month plus a platform fee | Essentials $0/user/month; Premium $12/user/month; Enterprise custom |
| G2 Rating | 4.8 (2,546 reviews) | Not yet verified |
| 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. | Venture-backed startups and larger companies with international teams that want high card limits, local-currency cards and travel in one platform. |
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- Plus adds an unpublished platform fee on top of $15/user/month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
Brex
Pros
- Essentials is free and includes reimbursements, bill pay and travel booking
- Premium is a flat $12 per user with no published platform fee
- Strong international options: local cards, local currency wires
- No personal guarantee; now backed by Capital One
Cons
- Eligibility favors funded startups or companies with over $500,000 a year in revenue
- Up to 3% FX markup on converted transactions
- Pricing page does not state whether Premium is billed monthly or annually
Related comparisons
Best Expense Management Software
Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.
Expensify alternatives
Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.
Mercury vs Brex
Choose Mercury if you want the best all-round business bank account with free wires and a simple 1.5% cashback card. Choose Brex if you need a corporate card with detailed spend controls, global coverage or treasury yield below $250,000.