Comparison
Expensify vs Ramp
A side-by-side look at Expensify and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Expensify
Expense reports, corporate cards and bill pay.
Expensify is a long-standing expense management tool with SmartScan, corporate cards and free per-user tiers.
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 | Expensify | Ramp |
|---|---|---|
| Tagline | Expense reports, corporate cards and bill pay. | Corporate cards + spend management that saves you money. |
| Headquarters | Portland, USA | New York, USA |
| Founded | 2008 | 2019 |
| Regions | US, Global | US |
| Card type | Visa | Charge card |
| Pricing | Free for 25 SmartScans/mo; Collect $5/user/mo; Control $9. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Cashback on Expensify Card. | 1.5% cashback on all purchases. |
| Best for | SMBs, Freelancers, Companies wanting expense reports | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | QuickBooks, Xero, NetSuite, Sage Intacct | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Expensify: pros & cons
- Mature product
- Familiar to accountants
- Card UX behind newer entrants
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails