Brex vs. Ramp

Last verified 32 days ago · 19 sources · Updated automatically

Brex 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.

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

Attribute

Brex

Ramp

Company facts

Headquarters

San Francisco, CA

New York, NY Headquartered in New York City

Employees

1.1k

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

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

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

Paid Tier Price (USD/user/mo)

$12 Premium plan

$15 Plus plan; 20% off with annual billing

Card & limits

Card Type

charge card Paid in full, no interest

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

Card Network

Mastercard World Elite Mastercard

Visa Runs on the Visa network

No Personal Guarantee

Yes

No personal credit check or personal guarantee

Limit Basis

cash balance & revenue

cash balance & revenue Limit based on revenue or dollars raised

Virtual Cards

Yes

Unlimited physical and virtual cards at no extra cost

No Foreign Transaction Fees

Yes

International transactions carry a Visa conversion markup up to 3%

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)

Spend management

Receipt Capture & Matching

Yes

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

Approval Workflows & Policies

Yes

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

Employee Reimbursements

Yes

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

Bill Pay / AP

Yes

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

Security & compliance

SOC 2

SOC 2 Type II

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

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)

Public API

Public REST API

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

The verdict

Brex

Best for international spend and category-tiered rewards

Brex charges no foreign transaction fees, while Ramp's Visa cards carry a conversion markup up to 3%. Its rewards are tiered points worth up to 7x by category, versus Ramp's flat cash back. Brex runs on Mastercard, and its paid Premium tier is $12/user/mo against Ramp's $15. A fit for heavy overseas spenders who can steer purchases into bonus categories.

Full profile

Ramp

Best for broad ERP sync and predictable flat-rate cash back

Ramp offers native two-way sync to 40+ ERPs, where Brex lists a smaller named set (QuickBooks, Xero, NetSuite, Sage Intacct). Its rewards are flat cash back on all purchases, simpler than Brex's category tiers. Note the trade-off: Ramp's Visa cards add up to a 3% FX markup, while Brex charges none. A fit for finance teams wanting wide accounting coverage and uncomplicated rewards.

Full profile

Sources · 19 verified references

en.wikipedia.org ramp.com reveliolabs.com brex.com support.ramp.com developer.brex.com + 1 more

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