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 Zoho Expense
Compare with for .
Ramp
62%
match · $1,800/yr
Zoho Expense
83%
match · $360/yr
What matters most?
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What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
Zoho Expense
Entry plan
$3.00 × 10 seats$30.00
× 12 months$360.00
Per year
$3.00 per person / mo
$360
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
Zoho Expense
From $3Free plan
G2 4.5 · 1,551 reviewsSmall businesses on a tight budget, especially Zoho Books users, that want reports, reimbursements and card feeds without changing banks or cards.
Side by side
| Ramp | Zoho Expense | |
|---|---|---|
| Pricing | Free plan at $0/user/month; Plus from $15/user/month plus a platform fee | Free for up to 3 users; paid from $3/user/month (billed annually) |
| G2 Rating | 4.8 (2,546 reviews) | 4.5 (1,551 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 businesses on a tight budget, especially Zoho Books users, that want reports, reimbursements and card feeds without changing banks or cards. |
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- Plus adds an unpublished platform fee on top of $15/user/month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
Zoho Expense
Pros
- Paid plans from $3 per user per month billed annually
- Free plan for up to 3 users
- No cash minimum or credit approval to use the software
- Monthly billing available with no contract
Cons
- Free plan caps receipt scans at 20 per user per month
- No corporate charge card or credit line like Ramp or Brex; the U.S. card option is prepaid
- No native NetSuite or Sage Intacct connector listed
Related comparisons
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Emily RodriguezUpdated October 2026
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.
+2
Emily RodriguezUpdated October 2026Accounting & FinanceEmily RodriguezUpdated October 2026
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.
+2
Emily RodriguezUpdated October 2026