Comparison
BILL Spend & Expense (Divvy) vs Ramp
A side-by-side look at BILL Spend & Expense (Divvy) and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
BILL Spend & Expense (Divvy)
Free spend management with corporate cards.
Formerly Divvy, BILL Spend & Expense is a free spend management platform with corporate cards, budgets and rewards — part of BILL's AP/AR ecosystem.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | BILL Spend & Expense (Divvy) | Ramp |
|---|---|---|
| Tagline | Free spend management with corporate cards. | Corporate cards + spend management that saves you money. |
| Headquarters | San Jose, USA | New York, USA |
| Founded | 2016 | 2019 |
| Regions | US | US |
| Card type | Visa charge | Charge card |
| Pricing | Free. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Up to 7x rewards based on payment frequency. | 1.5% cashback on all purchases. |
| Best for | SMBs, Mid-market, BILL customers | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | QuickBooks, Xero, NetSuite, Sage Intacct | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
BILL Spend & Expense (Divvy): pros & cons
- Truly free
- Pairs with BILL AP
- UI dated vs Ramp/Brex
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails