Ramp vs Brex

Ramp9.1/10

Brex8.3/10

Scored in Expense Management

The short answer

Ramp and Brex both pair corporate cards with expense management, and both start with a free plan. The paid tiers are priced differently: Ramp Plus lists $15 per user a month plus a platform fee based on team size that Ramp does not publish, while Brex Premium lists $12 per user a month.

By LeadChange Research TeamUpdated Oct 14, 2026Based on 13 sources, most recently checked Oct 14, 2026

Ramp

Starting price: $0/user/mo1
Best for: Companies that want corporate cards and expense management in one product

Choose Ramp if

Employees should submit expenses by SMS, Slack or Microsoft Teams, with the receipt captured at the swipe.
You need SCIM provisioning next to Okta, Google or Microsoft Azure sign-on.
Your ledger is Workday Financials, Oracle Fusion Cloud, Acumatica or Microsoft Dynamics 365.
You want cards to lock on their own when receipts are missing (Plus).

What Ramp costs Ramp expense management alternatives

Brex

Starting price: $0/user/mo2
Best for: Startups and growing companies that want cards and expense management with no per-user fee

Choose Brex if

You want the paid tier's full per-user price published: Premium at $12 a user a month.
Employees spend abroad: cards work in 210+ countries and territories, with local-currency cards in 50+.
You want reimbursements paid out through payroll.
You want AI to draft receipts, memos and attendee lists for each purchase.

What Brex costs Brex alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

Ramp wins 1Brex wins 03 ties

Ramp vs Brex by dimension
Dimension	Ramp	Brex
CapabilitiesRamp covers corporate cards, expenses, travel, accounts payable and receivable, procurement and business banking. Brex covers corporate cards, expenses, business banking, bill pay, travel and accounting automation. Both use AI to review spend against the expense policy. 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, Workday Financials and Oracle Fusion Cloud. Brex lists NetSuite, Uber, Lyft, Gmail and Slack among its integrations and publishes no total count. 200+3	200+ native	2 documented
Fit and supportBoth name startups, small businesses, mid-market and enterprise as their customers. Brex offers 24/7 live support; Ramp offers chat, email and phone, with 24/7 phone support for travel bookings on Plus. Startups, small businesses, mid-market companies, enterprises1	Startups, small business, mid-market, enterprise	Startups, small business, mid-market, enterprise
SecurityBoth state SOC 2 Type II. Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM; Brex supports Okta, Microsoft, Google Workspace, SAML and OIDC. Yes4	SOC 2	SOC 2

Key differences

Where Ramp and Brex differ (5)
Attribute	Ramp	Brex
Single sign-on	Okta, Google, Microsoft Azure4	Okta, Microsoft, Google Workspace, SAML, OIDC5
Support channels	Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise)1	24/7 live support, dedicated support for admins and bookkeepers, named account manager (Enterprise)2
Founded	20196	20177
Headquarters	New York, New York, US8	San Francisco, California, US2
Ownership	Private6	Subsidiary2

Show 7 attributes where they are the same

Where they are the same (7)
Attribute	Ramp	Brex
Pricing model	Per user1	Per user2
Price transparency	Partly published1	Partly published2
Free plan	1	2
Best for	Startups, small businesses, mid-market companies, enterprises1	Startups, small businesses, mid-market companies, enterprises9
Mobile apps	iOS, Android10	iOS, Android11
API	12	2
SOC 2 Type II	4	5

Analysis by dimension

Pricing. Both have a $0 plan. Brex Premium lists $12 per user a month; Ramp Plus lists $15 per user a month and adds a platform fee by team size whose amount is not published. Brex adds business account and bill pay fees from its fee schedule.

Capabilities. Ramp covers corporate cards, expenses, travel, accounts payable and receivable, procurement and business banking. Brex covers corporate cards, expenses, business banking, bill pay, travel and accounting automation. Both use AI to review spend against the expense policy.

Integrations. Ramp documents 200 integrations, including NetSuite, Sage Intacct, Workday Financials and Oracle Fusion Cloud. Brex lists NetSuite, Uber, Lyft, Gmail and Slack among its integrations and publishes no total count.

Fit and support. Both name startups, small businesses, mid-market and enterprise as their customers. Brex offers 24/7 live support; Ramp offers chat, email and phone, with 24/7 phone support for travel bookings on Plus.

Security. Both state SOC 2 Type II. Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM; Brex supports Okta, Microsoft, Google Workspace, SAML and OIDC.

Neither one?

Zoho Expense

Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).

From $3/user/mo (billed annually)13

Zoho Expense review

More Ramp comparisons

More Brex comparisons

Frequently asked questions

Is Ramp or Brex cheaper?

Both cost $0 on the free plan. On the paid tier, Brex Premium lists $12 per user a month and Ramp Plus lists $15 per user a month plus a platform fee by team size that Ramp does not publish, so a full Ramp Plus price needs a quote.

Who owns Brex?

Brex LLC is a wholly owned subsidiary of Capital One, as stated on its pricing page. Ramp is a private company founded in 2019 and based in New York.

Do Ramp and Brex work for employees outside the US?

Ramp reimburses employees in more than 70 countries and 40 currencies. Brex cards are accepted in 210+ countries and territories, with local-currency cards and billing in 50+ countries.

Do Ramp and Brex integrate with NetSuite?

Yes. Both list NetSuite. On Ramp, NetSuite and Sage Intacct sit in the Plus plan; the Free plan connects to QuickBooks Online and Xero. Brex puts ERP and HRIS integrations in Premium.

Can Ramp and Brex submit expenses from Slack?

Yes. Ramp takes expenses by SMS, Slack or Microsoft Teams, and Brex lets managers review flagged spend by Slack or SMS and employees text in receipts.

Who are Ramp’s biggest competitors?

Ramp ranks #1 of 9 in our expense management ranking. Besides Brex, the highest-scored are Zoho Expense, Expensify, and BILL Spend & Expense. Every alternative, matched to the reason you might switch: Ramp alternatives.

How this page was made

What it is built from
32 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 14, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested either product hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 13 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources

Ramp ramp.com/pricing“$0/mo/user” “Automated invoice extraction (OCR)”
Brex brex.com/pricing“$0 user/month” “24/7 live support”
Ramp ramp.com/integrations“Ramp offers 200+ integrations that spans across:”
Ramp ramp.com/security“Ramp undergoes annual audits to ensure your data is always secure, confidential, and private according to SOC 2 Type II protocols.” “Get a seamless login experience without compromising security with support for SSO for Okta, Google, and Microsoft Azure.”
Brex brex.com/security“Brex Empower's SSO feature enables a secure — yet seamless — login experience through Okta, Microsoft, Google Workspace, and other identity providers (IdPs) that support OIDC or SAML.” “In addition to being SOC 1 Type II, SOC 2 Type II, and PCI-DSS compliant”
Wikipedia en.wikipedia.org/wiki/Ramp_(company)“Ramp was founded in March 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee.” “Private”
Wikipedia en.wikipedia.org/wiki/Brex“Brex was founded by Brazilian entrepreneurs Henrique Dubugras and Pedro Franceschi, both aged 22, on January 3, 2017.”
Ramp ramp.com/about“New York, NY 10010”
Brex brex.com/about“We’re proud to serve startups, scaled companies, and ecommerce brands alike, helping founders, CFOs, and their teams spend smarter and move faster.”
Ramp ramp.com/mobile-app“Download Ramp Mobile AppStart on iOS or Android today”
Brex brex.com/product/mobile-app“Get our iOS or Android app and manage your business wherever you are.”
Ramp docs.ramp.com“Have a Ramp account? Create credentials and make your first API call.”
Zoho zoho.com/us/expense/pricing“For growing businesses looking to manage expenses end to end”