Ramp vs Brex: Full Comparison (2026)
Quick Answer
Both offer free corporate cards with expense management. Ramp focuses on saving money (spend controls, vendor benchmarking, 1.5% cashback). Brex focuses on flexibility and rewards (points-based rewards, startup-friendly underwriting). Ramp's free tier is more generous; Brex has better rewards for travel-heavy teams.
Ramp vs Brex at a Glance
| Dimension | Ramp | Brex | Winner |
|---|---|---|---|
| Ease Of Use | 9.0/10 | 8.5/10 | Ramp |
| Features | 8.5/10 | 8.0/10 | Ramp |
| Overall | 8.5/10 | 8.0/10 | Ramp |
| Pricing | 9.5/10 | 9.0/10 | Ramp |
Pricing Comparison
| Plan | Ramp | Brex |
|---|---|---|
| Enterprise | $Custom/quote per user | $Custom/quote per user |
| Ramp / Essentials | $Custom/monthly | $Custom/monthly |
| Ramp Plus / Premium | $15/monthly per user | $12/monthly per user |
Feature Comparison
| Feature | Ramp | Brex |
|---|---|---|
| Receipt scanning | Yes | Yes |
| Audit trail | Yes | Yes |
| Tax preparation | No | No |
| Accountant access | No | No |
| Bank reconciliation | No | No |
| Bill pay | Yes | Yes |
| Double-entry accounting | No | No |
| Expense tracking | Yes | Yes |
| Inventory tracking | No | No |
| Invoicing | No | No |
| Mobile app | Yes | Yes |
| Multi-currency | No | No |
| Multi-entity | No | No |
| Role-based permissions | Yes | Yes |
| Time tracking | No | No |
| API access | Yes | Yes |
| Bank feeds | No | No |
| Payroll integration | No | No |
| Budgeting | Yes | Yes |
| Custom reports | Yes | Yes |
| Financial reports (P&L, Balance Sheet, Cash Flow) | Yes | Yes |
| Project profitability | No | No |
Ease Of Use: Ramp vs Brex
Ramp's UI is cleaner and more focused on actionable insights. Brex is good but Ramp's receipt matching automation is more reliable.
Features: Ramp vs Brex
Ramp's vendor price benchmarking, automatic receipt matching, and spend analytics are class-leading. Brex has better rewards program and virtual card management. Both have strong accounting integrations.
Overall: Ramp vs Brex
Ramp edges out Brex on value and spend-saving features. Brex is the better choice if rewards optimization and startup-friendly underwriting are priorities.
Pricing: Ramp vs Brex
Ramp's free tier is more comprehensive than Brex Essentials. Ramp Plus ($15/user/mo) vs Brex Premium ($12/user/mo) is close, but Ramp's free tier already includes features Brex charges for.
Our Recommendation
Ramp for companies focused on spend control and savings — the free tier includes everything most businesses need, and the vendor price benchmarking is genuinely useful. Brex for startups that value flexible rewards and higher credit limits. Both are excellent products.
Frequently Asked Questions
Do Ramp and Brex require a credit check?
Both underwrite based on business cash balance rather than personal credit. Ramp typically requires $75K+ in a business bank account. Brex's requirements vary but are startup-friendly.