BILL Spend & Expense vs. Ramp

Last verified 32 days ago · 17 sources · Updated automatically

BILL Spend & Expense and Ramp compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

BILL Spend & Expense

Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.

HQ San Jose, CA

Visit BILL Spend & Expense Full profile

Ramp

Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.

Founded2019

HQ New York, NY

Visit Ramp Full profile

Attribute

BILL Spend & Expense

Ramp

Company facts

Headquarters

San Jose, CA BILL Holdings headquarters.

New York, NY Headquartered in New York City

Employees

3.4k BILL Holdings total headcount (~3,350, mid-2026).

2.7k Approx. headcount, late 2025 (Revelio Labs workforce data)

Pricing

Starting Monthly Price (USD)

$0 Free software; no subscription or per-user fees. Revenue via interchange.

$0 Free plan ($0); card is free, Ramp earns on interchange

Paid Tier Price (USD/user/mo)

—

$15 Plus plan; 20% off with annual billing

Card & limits

Card Type

charge card Pay-in-full charge card, no revolving balance/APR.

charge card Corporate charge card, paid in full each cycle (~30-day terms)

Card Network

Visa BILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).

Visa Runs on the Visa network

No Personal Guarantee

Underwritten on business financial health, not a personal guarantee.

No personal credit check or personal guarantee

Limit Basis

cash balance & revenue Credit line based on business financial health; $1,000-$5M range.

cash balance & revenue Limit based on revenue or dollars raised

Virtual Cards

Unlimited physical and virtual cards with per-card limits/rules.

Unlimited physical and virtual cards at no extra cost

No Foreign Transaction Fees

Foreign currency / cross-border fees may apply on international spend.

International transactions carry a Visa conversion markup up to 3%

Rewards & cash back

Rewards Model

tiered points Points multipliers by category and payment frequency (up to 7x dining, 5x hotels, 2x software); redeemable for cash back.

flat cash back Flat-rate cash back on all purchases (no category tiers/points)

Spend management

Receipt Capture & Matching

Snap/text receipts; AI auto-matches them to transactions.

AI receipt capture (SMS/email) auto-matched and coded to transactions

Approval Workflows & Policies

Custom budgets, assigned card limits, and automated approval workflows.

Configurable spend policies + approval routing; advanced routing on Plus+

Employee Reimbursements

Out-of-pocket employee reimbursements built in.

Out-of-pocket reimbursements included; enhanced bulk processing on Plus+

Bill Pay / AP

Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.

Bill pay / AP included (ACH, card, check, wire) on all tiers

Security & compliance

SOC 2

Annual SOC 2 Type II audit (also SOC 1).

SOC 2 Type II (annual audits); also PCI DSS

SSO (SAML)

—

SSO for Okta, Google, Microsoft Azure; included on Free per pricing

SCIM Provisioning

—

SCIM provisioning listed on pricing tiers

Platform & integrations

Accounting / ERP Sync

Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.

Native two-way sync to 40+ ERPs (NetSuite, Sage Intacct, QuickBooks, Xero)

Public API

API listed among platform features; public developer-doc URL not separately verified.

Public developer REST API; docs at docs.ramp.com

The verdict

BILL Spend & Expense

Best for category-weighted rewards

BILL uses tiered points multipliers (up to 7x dining, 5x hotels, 2x software) redeemable for cash back, versus Ramp's flat-rate cash back. Teams whose spend concentrates in those categories can earn more. The card is free with no per-user fee, where Ramp's advanced features sit on a $15/user/mo Plus tier. Note: bill pay/AP is a separate BILL product here, not included.

Full profile

Ramp

Best for built-in AP and SSO/SCIM

Ramp bundles bill pay/AP (ACH, card, check, wire) on every tier, where BILL splits that into a separate product. It also lists SSO (SAML) and SCIM provisioning plus two-way sync to 40+ ERPs, identity and integration facts not shown for BILL. Rewards are flat cash back rather than category tiers, simpler but without BILL's multipliers.

Full profile

Sources · 17 verified references

investor.bill.com ramp.com pitchbook.com reveliolabs.com bill.com support.ramp.com + 1 more

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