Comparison
Ramp vs Brex
How Ramp and Brex compare on price, pricing model, features and reviews, with every fact checked on October 24, 2026.
Quick verdict
Choose Ramp if
- Companies that want cards, expenses and AP in one tool and are fine adopting its card.
- Teams that want a free entry tier with QuickBooks Online or Xero.
Choose Brex if
- Startups and mid-size companies that want cards plus expenses on one platform.
- Teams wanting a $0 software tier.
Ramp vs Brex side by side
| Ramp | Brex | |
|---|---|---|
| What it is | Corporate card and spend platform with a free tier and a paid Plus plan, where purchase orders come from a Procurement add-on. | Brex is a corporate card and spend platform with expense management, travel, bill pay and business banking, with a free base software tier. |
| Status | Active | Active |
| Starting price | $0 (Free); Plus $15 per user per month plus platform fee | $0 per user per month (Essentials) |
| Pricing model | per user plus platform fee | per user (software) plus card |
| Free plan or trial | Free plan, Free trial | Free plan |
| Per seat per month | $15 per user per month on Plus (plus platform fee by team size, amount not published) | $12 (Premium) |
| Billing | Monthly and annual. | Not published |
| Annual discount | 20% off with annual billing. | Not published |
| Minimum seats | Not published | Not published |
| 20 users per year | Not computable: platform fee not published (users alone: 20 x $15 x 12 = $3,600 per year before the fee and annual discount) | Premium: 20 x $12 x 12 = $2,880 per year at the published monthly rate (annual discount unknown) |
| G2 rating | 4.8 (2,492 reviews) | 4.8 (1,515 reviews) |
| Founded | 2019 | 2017 |
| Headquarters | New York, US | San Francisco, California, United States |
| Employees | 1,200 (2025, Wikipedia) to 2,565 (TipRanks, July 2026) | About 1,100 (2025) |
| Pricing model | Free plan $0; Plus $15 per user per month plus platform fee by team size. | Essentials $0, Premium $12 per user per month, Enterprise custom. |
| Target company size | Not verified | Startups, mid-size, enterprise (vendor) |
| Receipt capture and OCR | Not verified | AI-automated expense reports (vendor claim; OCR specifics not read) |
| Approval workflows and policy controls | Approval workflows on Plus. | AI-automated approvals (vendor) |
| Corporate cards | Corporate card included on all plans. | Global corporate cards with built-in controls. |
| Accounting integrations | Free: QuickBooks Online, Xero. Plus: NetSuite, Sage Intacct. Enterprise: Workday, Oracle Fusion. | Vendor claims thousands of two-way ERP integrations. |
| Reimbursements and payments | 1099 filing $0.65 per IRS filing, free state filing. | Bill pay, vendor cards, business accounts. |
| Travel and mileage tracking | 24/7 phone support for travel bookings on Plus. | In-app travel booking. |
Differences most comparisons miss
Worth knowing about Ramp
- PO functions are a paid add-on and need Plus, so the $0 tier has no purchase orders.
- Plus fee has a platform component based on team size that the page does not quantify.
- ERP depth rises by tier: NetSuite and Sage Intacct only from Plus, Workday and Oracle from Enterprise.
- Procurement can match card transactions to POs, tying approval to actual spend.
Worth knowing about Brex
- Advanced SSO is Premium and up ($12/user/month); Essentials is $0 but has MFA and enterprise IdP support per comparison table.
- Vendor markets 120+ countries and 35,000+ companies.
- Brex site names Henrique Dubugras as Co-CEO; ownership change not confirmed here.
What reviewers complain about
Ramp
- Support can be slow to resolve issues and hard to reach a person in some reviews.
- Card-first model: fraud handling can mean replacing the card; sudden limit decisions reported.
- Occasional accounting integration snags, especially QuickBooks rules and memos.
- Authorization holds slow to drop off.
Sources
Both columns use the same sources: vendor pricing and product pages, documentation, G2 and company records, checked on October 24, 2026. Full source lists are on the Ramp and Brex reviews.