Brex vs. Ramp vs. Mercury

Last verified 32 days ago · 28 sources · Updated automatically

Brex, Ramp and Mercury 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.

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

Founded2017

HQ San Francisco, CA

Visit Brex 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

Mercury

Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.

Founded2017

HQ San Francisco, CA

Visit Mercury Full profile

Attribute

Brex

Ramp

Mercury

Company facts

Headquarters

San Francisco, CA

New York, NY Headquartered in New York City

San Francisco, CA

Employees

1.1k

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

1k Mercury states 1,000+ employees

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

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

$0 Free Mercury plan; IO card has no annual fee and no per-user software charge

Paid Tier Price (USD/user/mo)

$12 Premium plan

$15 Plus plan; 20% off with annual billing

$29.9 Mercury Plus, $29.90/mo (or $23.95/mo billed annually)

Card & limits

Card Type

charge card Paid in full, no interest

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

charge card Cash-underwritten charge card; balance paid off each pay period

Card Network

Mastercard World Elite Mastercard

Visa Runs on the Visa network

Mastercard

No Personal Guarantee

Yes

No personal credit check or personal guarantee

No personal guarantee and no personal credit check

Limit Basis

cash balance & revenue

cash balance & revenue Limit based on revenue or dollars raised

account balance Cash-underwritten: IO balance cannot exceed cash held with Mercury (linked external balances may add headroom)

Virtual Cards

Yes

Unlimited physical and virtual cards at no extra cost

Issue physical or virtual cards to the team; start spending immediately with virtual cards

No Foreign Transaction Fees

Yes

International transactions carry a Visa conversion markup up to 3%

3% currency conversion fee on non-USD IO transactions

Rewards & cash back

Rewards Model

tiered points Up to 7x points by category

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

flat cash back Unlimited 1.5% cashback on all spend, auto-deposited

Flat Cash-Back Rate

—

1.5%

Spend management

Receipt Capture & Matching

Yes

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

Upload/email receipts and Mercury auto-matches them to the right transaction

Approval Workflows & Policies

Yes

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

Company-wide spend policies plus multi-layered approval rules for bill pay

Employee Reimbursements

Yes

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

Out-of-pocket reimbursements; 5 active users/mo free, more on paid tiers

Bill Pay / AP

Yes

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

Free unlimited bill pay via ACH, domestic/international wire, or check

Security & compliance

SOC 2

SOC 2 Type II

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

SOC 2 Type II

SSO (SAML)

Advanced SSO on Premium+

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

—

SCIM Provisioning

Via Microsoft Entra & Okta

SCIM provisioning listed on pricing tiers

—

Platform & integrations

Accounting / ERP Sync

QuickBooks, Xero, NetSuite, Sage Intacct

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

Native sync to QuickBooks, Xero, and NetSuite

Public API

Public REST API

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

Public REST API — balances, transactions, ACH transfers; plus Accounts Receivable/invoicing API

The verdict

Brex

Best for global spend and category rewards

Brex is the only card here with no foreign transaction fees, while Ramp and Mercury both add up to a 3% conversion markup abroad. Its tiered points pay up to 7x by category, versus the flat cash back from Ramp and Mercury. Its $12 paid tier also undercuts Ramp's $15 and Mercury's $29.90.

Full profile

Ramp

Best for accounting-heavy finance teams

Ramp syncs natively to 40+ ERPs, the broadest accounting reach in this lineup; Brex and Mercury list four and three integrations respectively. Like Brex, it sets limits on cash balance and revenue rather than Mercury's cash-only basis, and runs on Visa where the others use Mastercard.

Full profile

Mercury

Best for simple cash-backed spending

Mercury underwrites its card purely on account balance, a more conservative limit basis than the cash-and-revenue model Brex and Ramp use. It pays a flat 1.5% cash back on all spend. The tradeoff: at $29.90 its paid tier is the priciest here, and it lists no SSO (SAML) or SCIM, both of which Brex and Ramp offer.

Full profile

Sources · 28 verified references

en.wikipedia.org ramp.com reveliolabs.com mercury.com brex.com support.mercury.com + 3 more

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