Brex vs Ramp
Updated October 2026 · AppBreakup editorial
Brex
Corporate cards, business banking, expenses and bill pay in one account, now part of Capital One.
Ramp
Corporate cards with built-in expense management, bill pay and accounting automation, starting free.
The short answer
Ramp suits US companies that want free corporate cards with strong expense automation and accounting sync. Brex suits startups and growing companies, especially multi-country teams, that want cards, a business account and expenses in one place with global card coverage. The biggest difference is scope: Ramp is focused on US spend management, while Brex adds banking and serves companies operating across many countries.
Brex or Ramp: our take
Both are spend-management platforms built around corporate cards, not accounting systems. Each sets spending limits and policies, captures receipts, codes transactions and syncs them to QuickBooks, Xero and NetSuite, and both cover reimbursements, bill pay and travel. Ramp also syncs to Sage Intacct and adds procurement and vendor management. Brex adds a business account and multi-entity, global card programmes that work in 120+ countries.
Pricing is similar in shape. Ramp's core platform is $0/user/month, funded by card interchange, and its Plus plan is $15/user/month plus a platform fee, with a 20% annual billing discount. Brex's Essentials plan is $0/user/month, Premium is $12/user/month and adds custom policies and controls, and Enterprise is custom-priced. For many teams the free tiers are enough; the paid plans matter when you need advanced controls.
Eligibility and ownership are the practical caveats. Ramp is only for registered US businesses that pass its underwriting, so sole traders and very early companies may not qualify. Brex also depends on underwriting. Brex's site describes its payment and treasury entities as Capital One companies following Capital One's acquisition, so it is worth checking how that affects the products you rely on. Ramp reports 85,000+ business customers and Brex 35,000+ companies. Both run in the browser with iOS and Android apps.
Pick Ramp if you are a US company that wants free cards, automatic receipt matching and a wide set of finance workflows such as procurement in one tool. Pick Brex if your team spends in many countries, you want banking alongside cards, or you are a venture-backed startup that values its global coverage. Either way you still need accounting software such as QuickBooks or Xero underneath.
Which should you pick?
Choose Brex if…
- Startups and growing companies that want cards, banking and expenses in one place
- Free Essentials plan with cards and expense tools
- Global card coverage for multi-country teams
Choose Ramp if…
- US companies that want free corporate cards with expense automation built in
- Core cards and expense platform are free
- Automatic receipt matching and accounting sync
About each app
What is Brex?
Brex offers corporate cards, a business account, expense management, reimbursements, bill pay and travel in one platform. It started with venture-backed startups and now also serves mid-sized and enterprise companies, with multi-entity and global card programs that work across many countries. Spending policies, receipt capture and accounting sync to QuickBooks, Xero and NetSuite reduce manual coding. The Essentials plan is free per user, a Premium plan adds custom policies and more controls per user per month, and Enterprise is custom-priced. Brex's site describes its payment and treasury entities as Capital One companies, following Capital One's acquisition. It runs in the browser with iOS and Android apps. Like Ramp, it is not accounting software and approval depends on underwriting, so it fits companies that want to centralise spending rather than sole traders. Check how the new ownership affects products you rely on.
What is Ramp?
Ramp is a US finance platform built around corporate cards. Cards come with spending limits and policies, receipts are matched automatically, and transactions are coded and synced to accounting systems such as QuickBooks, Xero, NetSuite and Sage Intacct, which cuts down month-end work. It also covers reimbursements, bill payments, procurement, travel and vendor management. The core platform is free, with Ramp earning money from card interchange; a Plus plan adds more advanced controls, AI features and integrations for a per-user fee plus a platform fee. It runs in the browser with iOS and Android apps. Eligibility is the main hurdle: it is built for registered US businesses that meet its underwriting criteria, so sole traders and very early companies may not qualify. It replaces expense tools and some accounts-payable software rather than your accounting system.
Side by side
| Attribute | Brex | Ramp |
|---|---|---|
| Pricing | Free plan + paid | Free plan + paid |
| Open source | No | No |
| Self-hostable | No | No |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Best for | Startups and growing companies that want cards, banking and expenses in one place | US companies that want free corporate cards with expense automation built in |
| Status | Active | Active |
Verified facts, compared
Facts both apps publish, checked on each vendor's own site.
| Fact | Brex | Ramp |
|---|---|---|
| Free plan | Essentials, $0/user/month | $0/user/month |
| Customers | 35,000+ companies | 85,000+ businesses |
Brex vs Ramp pricing
Brex: free plan + paid
Brex pricing pageRamp: free plan + paid
Ramp pricing pagePlatforms
| Platform | Brex | Ramp |
|---|---|---|
| Web | ||
| iOS | ||
| Android |
Brex facts
5 of 5 verified- Free plan
- Essentials, $0/user/month
- Checked Oct 25, 2026brex.com(opens source in a new tab)
- “Essentials For startups and growing companies $0 user/month”
- Premium plan
- $12/user/month
- Checked Oct 25, 2026brex.com(opens source in a new tab)
- “Premium For mid-sized companies looking to scale $12 user/month”
- Countries
- 120+
- Checked Oct 25, 2026brex.com(opens source in a new tab)
- “Modern cards, banking, expenses, accounting, and more — in 120+ countries.”
- Customers
- 35,000+ companies
- Checked Oct 25, 2026brex.com(opens source in a new tab)
- “Trusted by 35,000+ top companies.”
- Owner
- Capital One
- Checked Oct 25, 2026brex.com(opens source in a new tab)
- “Certain payment services are provided by Brex Payments LLC, a licensed money transmitter (NMLS #2035354) and a Capital One company.”
Ramp facts
4 of 4 verified- Plus plan
- $15/user/month plus platform fee
- Checked Oct 25, 2026ramp.com(opens source in a new tab)
- “Plus $15/mo/user + Platform fee based on team size”
- Annual billing discount
- 20%
- Checked Oct 25, 2026ramp.com(opens source in a new tab)
- “Save 20% with annual billing Perfect for teams who want to use AI-driven automation to eliminate busywork.”
- Customers
- 85,000+ businesses
- Checked Oct 25, 2026ramp.com(opens source in a new tab)
- “Join the 85,000 + businesses simplifying their finances with Ramp.”
- Free plan
- $0/user/month
- Checked Oct 25, 2026ramp.com(opens source in a new tab)
- “AI-assisted Free $0/mo/user Best for smaller teams who want to simplify finances.”
Pros and cons of Brex
- Free Essentials plan with cards and expense tools
- Global card coverage for multi-country teams
- Banking, bill pay and travel in the same account
- Approval depends on underwriting
- Advanced policies need the paid Premium plan
- Ownership change may bring product changes
Pros and cons of Ramp
- Core cards and expense platform are free
- Automatic receipt matching and accounting sync
- Bill pay, procurement and travel in the same tool
- Only for US businesses that pass underwriting
- Advanced features need the paid Plus plan
- Not an accounting system on its own
Other apps to consider
Brex vs Ramp: common questions
Is Brex better than Ramp?
Ramp suits US companies that want free corporate cards with strong expense automation and accounting sync. Brex suits startups and growing companies, especially multi-country teams, that want cards, a business account and expenses in one place with global card coverage. The biggest difference is scope: Ramp is focused on US spend management, while Brex adds banking and serves companies operating across many countries.
Is Brex free?
Brex has a free plan, with paid plans for more features. See its verified pricing facts above for current limits.
Is Ramp free?
Ramp has a free plan, with paid plans for more features. See its verified pricing facts above for current limits.
Is Brex or Ramp open source?
Neither is open source.
Which platforms do Brex and Ramp support?
Brex: Web, iOS and Android. Ramp: Web, iOS and Android.