Ramp9.1/10
BILL Spend & Expense8.4/10
Scored in Expense Management
The short answer
Ramp and BILL Spend & Expense, the former Divvy, both give companies corporate cards and expense tracking for $0 per user. Ramp adds a Plus plan at $15 per user a month plus a platform fee it does not publish; BILL keeps Spend & Expense on one $0 plan and sells Accounts Payable and Receivable as separate subscriptions.
What BILL Spend & Expense costsBILL Spend & Expense alternatives
LeadChange Score: editorial assessment based on public information.
Ramp wins 1BILL Spend & Expense wins 03 ties
| Dimension | Ramp | BILL Spend & Expense |
|---|---|---|
| PricingBoth list a $0 plan with corporate cards and expense tracking. Ramp Plus costs $15 per user a month plus an unpublished platform fee; BILL charges separately for Accounts Payable and Receivable and for some payment types. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise1 | $0/user/mo | $0/user/mo |
| CapabilitiesRamp covers cards, expenses, travel, payables, receivables, procurement and banking. BILL Spend & Expense covers cards, expenses, budgets, reimbursements and travel. Both use AI to code accounting fields. Corporate cards, Expense management, Travel, Accounts payable, Accounts receivable, Procurement, Business banking1 | 9 of 10 core capabilities | 8 of 10 core capabilities |
| IntegrationsRamp documents 200 integrations, including NetSuite, Sage Intacct, Xero and QuickBooks. BILL lists QuickBooks, Sage Intacct, Oracle NetSuite and Xero and publishes no total count. 200+3 | 200+ native | 10 documented |
| SecurityBoth state SOC 2 Type II. Ramp also documents Okta, Google and Microsoft Azure sign-on with SCIM. Yes4 | SOC 2 | SOC 2 |
| Attribute | Ramp | BILL Spend & Expense |
|---|---|---|
| Pricing model | Per user1 | Free2 |
| Price transparency | Partly published1 | Published2 |
| Best for | Startups, small businesses, mid-market companies, enterprises1 | Small businesses, mid-market companies5 |
| Founded | 20196 | 20067 |
| Headquarters | New York, New York, US8 | San Jose, California, US7 |
| Ownership | Private6 | Publicly traded7 |
Pricing. Both list a $0 plan with corporate cards and expense tracking. Ramp Plus costs $15 per user a month plus an unpublished platform fee; BILL charges separately for Accounts Payable and Receivable and for some payment types.
Capabilities. Ramp covers cards, expenses, travel, payables, receivables, procurement and banking. BILL Spend & Expense covers cards, expenses, budgets, reimbursements and travel. Both use AI to code accounting fields.
Integrations. Ramp documents 200 integrations, including NetSuite, Sage Intacct, Xero and QuickBooks. BILL lists QuickBooks, Sage Intacct, Oracle NetSuite and Xero and publishes no total count.
Fit and support. BILL names small and mid-size businesses; Ramp names startups, small businesses, mid-market and enterprise, with chat, email and phone support and an account manager on Enterprise.
Security. Both state SOC 2 Type II. Ramp also documents Okta, Google and Microsoft Azure sign-on with SCIM.
Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).
From $3/user/mo (billed annually)14
Yes, both have a $0 plan. Divvy is now BILL Spend & Expense, which costs $0 per user; Ramp Free also costs $0, and Ramp sells Plus at $15 per user a month plus a platform fee for teams that need more.
Ramp includes accounts payable among its modules. At BILL, Accounts Payable and Accounts Receivable are separate subscriptions priced per user, next to the $0 Spend & Expense plan.
Both list QuickBooks, Xero, NetSuite and Sage Intacct. Ramp's list of 200 also includes Workday Financials, Oracle Fusion Cloud and Microsoft Dynamics 365.
BILL, founded in 2006 and based in San Jose, is a public company. Ramp, founded in 2019 in New York, is privately held.
Ramp reimburses in more than 70 countries and 40 currencies. BILL lets employees submit reimbursements in local currency.
Ramp ranks #1 of 9 in our expense management ranking. Besides BILL Spend & Expense, the highest-scored are Zoho Expense, Expensify, and Brex. Every alternative, matched to the reason you might switch: Ramp alternatives.
31 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 14, 2026.
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Not reviewed yet by our independent reviewer. How we review
We have not tested either product hands-on: this page uses public information only.
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The 14 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
Payments, commissions and lead fees are never inputs.
