Accounting & Finance · head to head
Brex vs Ramp
Brex
Accounting & Finance
The financial stack for growing businesses
- From
- $29/month
- Rated
- -
Ramp
Accounting & Finance
The corporate card that helps you spend less
- From
- Free
- Rated
- -
The short version
- Only Ramp has a free tier, so it costs nothing to try first.
- Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Ramp procurement module unavailable on Free plan; available as add-on on Plus
- They diverge on capability: Brex covers Business accounts, Ramp covers Accounting automation.
Where they differ
Only the attributes on which Brex and Ramp actually diverge.
Identical on both: user rating (Not yet rated), category (Accounting & Finance).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Brex
- Business accounts
- Travel
- FDIC insured
Only in Ramp
- Accounting automation
- Spend insights
- Sage Intacct
Both cover
- Corporate cards
- Expense management
- Bill pay
- QuickBooks
- NetSuite
- Xero
- SOC 2
- PCI DSS
- Web support
- Ios support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Brex
- Corporate cards with spend controls for startupsnot Ramp
- Expense management and reimbursementsnot Ramp
- Travel booking inside the spend platformnot Ramp
- Bill pay and accounting system syncnot Ramp
- Multi-entity spend management on the paid tiersnot Ramp
Ramp
- Corporate expense management and automationnot Brex
- Accounts payable automation with AI invoice processingnot Brex
- Multi-currency travel and policy managementnot Brex
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Brex
- The free Essentials tier is limited to two legal entities
- Premium is $12 per user per month, so cost scales with headcount using the card
- Enterprise and Smart Card pricing is not published
- Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit
Ramp
- Procurement module unavailable on Free plan; available as add-on on Plus
- Workday and Oracle Fusion integrations limited to Enterprise tier only
- Multi-entity functionality requires Plus tier or higher
- Local card issuance in 30+ countries limited to Enterprise tier
- Advanced ERP integrations require higher tier selection
Pricing, plan by plan
Brex
$29/month- EssentialsFree
- Corporate cards
- Expense management
- Bill pay
- Premium$12/month
- Advanced controls
- Custom approvals
- Travel booking
Ramp
FreeNo published plan breakdown. See the Ramp review.
Which should you pick?
Choose Brex if
- You need business accounts.
- You work on Web, Ios, Android.
- You also want travel.
Choose Ramp if
- You need accounting automation.
- You want to start without paying.
- You work on Web, Mobile apps.
- You also want spend insights.
Questions people ask
- Is Brex or Ramp better?
- Neither clearly leads. Brex starts at $29/month and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Brex or Ramp?
- Ramp has a free tier; the other does not. Paid plans start at $29/month for Brex and Free for Ramp.
- Does Brex or Ramp run on more platforms?
- Brex runs on Web, Ios, Android. Ramp runs on Web, Mobile apps.
- Can I use Ramp for free?
- Yes. Ramp has a free tier, so you can try it without paying. Brex starts at $29/month.
- What is Brex best used for?
- Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what Ramp is typically brought in for.
- What can Brex do that Ramp cannot?
- Brex covers Business accounts, Travel, FDIC insured. Ramp covers Accounting automation, Spend insights, Sage Intacct. Both handle Corporate cards, Expense management, Bill pay, QuickBooks.