Ramp vs Brex vs Expensify: Corporate Cards and Expense Management Compared (2026)

Expense reports are one of the most hated tasks in any company, and one of the easiest to automate. Ramp, Brex and Expensify all replace receipt chasing and spreadsheets with corporate cards, automatic receipt matching and accounting sync, but they come from different starting points. Ramp and Brex are corporate card and spend platforms that include expense management. Expensify is an expense management app that now also issues its own card. This guide compares their plans, prices, accounting integrations and features for US small and mid-size businesses, with every figure checked on the official pages on November 13, 2026.

How the Three Platforms Differ

• Ramp is a corporate card and finance operations platform. Cards, expenses, bill pay, procurement, travel and accounting automation live in one system, and most of it is free.
• Brex is a corporate card and spend platform built for growing and global companies, with multi-entity support, local-currency cards and a business account.
• Expensify is an expense management app first. It scans receipts, builds expense reports, reimburses employees and syncs to accounting, and it works with any company card. The Expensify Card is an option, not a requirement.

The PURIST Fit Score: How We Compare Them

Scores are PURIST's editorial judgment based on the official pages listed at the end. No vendor paid for its position.

The Comparison Table

For a company with entities in several countries, Brex moves to first place. For a business that wants to keep its current bank cards, Expensify becomes the natural choice, because Ramp and Brex are built around their own cards.

Pricing Side by Side

Expensify offers discounts for annual commitments and for companies using the Expensify Card, which it says can "save up to 50% on Expensify." Ramp does not publish the amount of its Plus platform fee, so ask for a quote for your team size.

What a 20-person team pays each month (software only)

Ramp and Brex can be run at no software cost if their free plans cover your needs, but they are built around their own cards. Expensify charges per member, but it works without changing cards.

What the Free Plans Include

Ramp's free plan is the most complete for a US company: cards, receipts, bill pay, travel and accounting sync, with no per-user fee. Brex Essentials stands out by including NetSuite among its accounting integrations and supporting two entities at no cost. Expensify Submit is meant for individuals tracking expenses, not for running company spend.

What the Paid Plans Add

Ramp Plus ($15 a user a month + platform fee)

• NetSuite, Sage Intacct, Acumatica and Microsoft Dynamics 365 Business Central integrations.
• Support for multi-entity businesses.
• AI coding for every field, AI-driven expense reviews and policy insights.
• Custom travel policies by role, department and location, and 24/7 phone support for travel bookings.
• Automated batch payments.
• Procurement as an add-on.

Ramp Enterprise adds local-currency card issuing in more than 30 countries, Workday and Oracle Fusion Cloud integrations, and priority 24/7 global support.

Brex Premium ($12 a user a month)

• Multiple customizable expense policies.
• Multi-entity support across the US and internationally.
• Customizable ERP and HRIS integrations.
• VAT documentation, group travel and advanced travel rules.
• Live budgets and AI-powered compliance audit detection.

Brex Enterprise adds unlimited US or global entities, local card issuance, collections, reimbursements and policies, and a named account manager.

Expensify Collect ($5) and Control (from $9)

• Collect: reimbursements, corporate card management, expense and travel approvals, travel booking and rules, QuickBooks and Xero integrations, ACH reimbursement and chat on expenses and reports.
• Control: everything in Collect plus multiple approval flows, custom expense rules, NetSuite, Sage Intacct and QuickBooks Desktop, Workday, Certinia, Gusto and Zenefits integrations, SAML SSO, budgeting and custom reporting.

Accounts with 100 or more members get an account manager.

Cards and Rewards

Expensify is the only one of the three that publishes its cash back rate on the pages we checked. Ramp and Brex confirm that rewards exist but do not state a rate on their pricing pages, so ask for it in writing.

Accounting Integrations

Brex states that it offers thousands of two-way ERP integrations on its home page, but its pricing page only names NetSuite. If you use QuickBooks or Xero, confirm the connection with Brex before you switch.

AI Features Compared

All three now use AI to remove manual steps from expense work. What each pricing page lists:

In practice, AI coding and policy review save the most time at month-end, because they reduce the transactions finance has to fix by hand. Ramp includes the most AI on its free plan; Brex includes AI rules on Essentials; Expensify's strength is receipt capture across any card.

Travel Compared

Questions to Ask Before You Sign

The pricing pages leave several points open. Ask each provider, in writing:

1. 1 What are the eligibility requirements? None of the three pricing pages we read states minimum cash balances, revenue or incorporation requirements.
2. 2 What is the card rewards rate on my spend? Expensify publishes 1% and 2%; Ramp and Brex do not state a rate on their pricing pages.
3. 3 What are the foreign transaction and currency conversion fees? These were not stated on the pricing pages we read.
4. 4 What is the Ramp Plus platform fee for my team size?
5. 5 Which accounting system connections are native, and which go through CSV or a third-party connector?

Platform by Platform

Ramp

Ramp gives a US small business the most for nothing. Unlimited cards, receipt matching, bill pay by ACH, card, check or wire, travel booking and QuickBooks or Xero sync are all free. Plus adds the ERP integrations and multi-entity support a growing company needs, and AI features that code transactions and review expenses automatically.

Strengths:

• The most complete free plan.
• Free wires and same-day ACH through Bill Pay.
• 1099 filing for $0.65 per IRS filing, with free state filing.

Limits:

• The Plus platform fee is not published.
• Card rewards rate not stated on the pricing page.
• Local-currency card issuing is on Enterprise.

Best for: US startups and small to mid-size companies that want cards, expenses and bill pay in one free tool.

Brex

Brex is built for companies that operate across borders. Essentials includes global card acceptance, local-currency wires, travel booking, bill pay, reimbursements, API access and up to two entities at no cost. Premium adds multi-entity support across countries, custom policies, VAT documentation and live budgets for $12 a user a month.

Strengths:

• Local-currency cards and billing in more than 50 countries.
• Two entities free, unlimited entities on Enterprise.
• NetSuite included on the free plan.

Limits:

• Rewards rate not stated on the pricing page.
• QuickBooks and Xero are not named on the pricing page.
• Free trial length not stated.

Best for: startups and mid-size companies with international teams, subsidiaries or spending in several currencies.

Expensify

Expensify is the most flexible if you do not want to change cards. It imports personal and company card feeds, scans receipts, routes approvals and reimburses employees by ACH. Collect at $5 a member a month covers most small businesses, and Control adds ERP integrations, SSO and budgeting. The Expensify Card adds 1% cash back on US purchases and discounts on Expensify itself.

Strengths:

• Works with existing company cards and bank feeds.
• Low entry price at $5 a member a month.
• Published cash back: 1% on US purchases, 2% above $250,000 a month.

Limits:

• Charges per member, unlike the free plans of Ramp and Brex.
• The free Submit plan is for individuals; company features start with Collect.
• NetSuite and Sage Intacct require Control.

Best for: companies that want to keep their bank's cards, accounting firms managing client expenses, and teams that need reimbursements more than corporate cards.

Which Platform Fits Which Business

• A US startup or small business with fewer than 50 people: Ramp Free.
• A company with subsidiaries or staff in several countries: Brex Premium or Enterprise.
• A business that wants to keep its current cards: Expensify Collect.
• A company on NetSuite or Sage Intacct: Ramp Plus, Brex Essentials (NetSuite) or Expensify Control.
• A company that mostly reimburses employees: Expensify Collect.

How to Switch Without Losing Control

1. 1 Export your expense categories and policies from your current tool or spreadsheet.
2. 2 Connect accounting first and map categories, classes and departments before issuing cards.
3. 3 Issue cards to a pilot group and run one month-end close on the new system.
4. 4 Set receipt and memo rules so transactions are complete before they reach accounting.
5. 5 Close old cards only after the first clean month-end close.

Automations Around Your Spend Platform

These platforms automate most of the expense workflow. These are the gaps we close with n8n:

1. 1 Missing receipt reminders sent in Slack or by text, not just email.
2. 2 Budget alerts to department heads when spend reaches 80% of the monthly budget.
3. 3 Vendor onboarding: new vendor forms, W-9 collection and approval before the first bill is paid.
4. 4 Month-end reporting: spend by department and vendor sent to the leadership team on the first business day.

See our guides to B2B finance automation, QuickBooks vs Xero vs FreshBooks vs Wave and NetSuite vs Sage Intacct vs QuickBooks Enterprise.

Frequently Asked Questions

Is Ramp or Brex better?

Ramp is better for US-focused small and mid-size businesses, with a free plan that includes unlimited cards, bill pay, travel and QuickBooks or Xero sync. Brex is better for companies that spend internationally, with local-currency cards and billing in more than 50 countries and multi-entity support. Ramp Plus costs $15 a user a month plus a platform fee, Brex Premium $12 a user a month.

Is Ramp really free?

Yes. Ramp Free costs $0 a user a month and includes unlimited virtual and physical cards, receipt matching, bill pay, travel booking and QuickBooks Online and Xero integrations. Ramp Plus costs $15 a user a month plus a platform fee based on team size.

How much does Expensify cost?

Expensify Submit is free for individuals. Collect costs $5 a member a month and Control is custom-priced from $9 per active member a month, with discounts for annual commitments and for using the Expensify Card.

What cash back does the Expensify Card offer?

Expensify states that its card offers 1% cash back on all US purchases with no minimum, and 2% cash back for monthly spend over $250,000.

Does Brex work with QuickBooks?

Brex's pricing page lists accounting integrations including NetSuite and a universal CSV integration, and its home page mentions thousands of two-way ERP integrations. QuickBooks is not named on the pricing page, so confirm the connection with Brex.

Which expense tool is best for a small business?

For most US small businesses, Ramp Free, because it includes cards, receipts, bill pay and accounting sync at no cost. Expensify Collect is the better choice if you want to keep your existing cards.

Can I use Ramp or Brex for multiple entities?

Yes. Ramp supports multi-entity businesses on Plus. Brex supports up to two entities on Essentials, multi-entity across the US and internationally on Premium, and unlimited entities on Enterprise.

Sources and Method

Plans, prices and features were checked on the official pages on November 13, 2026: ramp.com/pricing and ramp.com; brex.com/pricing and brex.com; expensify.com/pricing, use.expensify.com and Expensify's help article comparing Collect and Control. Card rewards rates for Ramp and Brex are not published on their pricing pages and are marked as not stated. Fit Scores are PURIST's editorial judgment. This article compares software features and published prices and is not financial advice. Confirm current terms, eligibility and rates with each provider before you apply.