Comparison
Brex vs Ramp
A side-by-side look at Brex and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
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 | Brex | Ramp |
|---|---|---|
| Tagline | The corporate card built for startups and scale-ups. | Corporate cards + spend management that saves you money. |
| Headquarters | San Francisco, USA | New York, USA |
| Founded | 2017 | 2019 |
| Regions | US | US |
| Card type | Charge card | Charge card |
| Pricing | Free base plan; Brex Premium $12/user/mo; Enterprise custom. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Up to 7x points on rideshare, 4x on travel, 3x on dining. | 1.5% cashback on all purchases. |
| Best for | VC-backed startups, Tech companies, Scale-ups | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | NetSuite, QuickBooks, Xero, Sage Intacct | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails