Ramp alternatives
7 Corporate Cards tools worth considering instead of Ramp — each compared to Ramp on the facts that differ, every one sourced and continuously re-verified.
1 Wise Business
Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.
- No Foreign Transaction Fees: No foreign transaction fees on card spend; mid-market rate, no FX markup (Ramp: International transactions carry a Visa conversion markup up to 3%)
- Approval Workflows & Policies: Per-card spend limits and freeze controls only; no multi-step approval routing (Ramp: Configurable spend policies + approval routing; advanced routing on Plus+)
- Card Type: debit (Ramp: charge card)
2 Brex
AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
- No Foreign Transaction Fees: Yes (Ramp: International transactions carry a Visa conversion markup up to 3%)
- Paid Tier Price (USD/user/mo): $12 (Ramp: $15)
- Card Network: Mastercard (Ramp: Visa)
3 Mercury
Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.
- Paid Tier Price (USD/user/mo): $29.9 (Ramp: $15)
- Card Network: Mastercard (Ramp: Visa)
- Limit Basis: account balance (Ramp: cash balance & revenue)
4 Navan
Formerly TripActions — combined travel, expense, and corporate card, tying card spend to booked travel and policy.
- No Foreign Transaction Fees: No conversion fee on cross-currency card spend: a purchase card issued in one currency can be used in others, settling in the issuing currency (USD/GBP/EUR) with no conversion fee. (Ramp: International transactions carry a Visa conversion markup up to 3%)
5 BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
- Bill Pay / AP: Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense. (Ramp: Bill pay / AP included (ACH, card, check, wire) on all tiers)
- Rewards Model: tiered points (Ramp: flat cash back)
6 Rho
All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.
- Card Network: Mastercard (Ramp: Visa)
7 Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
- Starting Monthly Price (USD): $10 (Ramp: $0)
- Paid Tier Price (USD/user/mo): $40 (Ramp: $15)
- Card Type: debit (Ramp: charge card)
How this list is built. Every alternative is another Corporate Cards vendor DecisionWire tracks, ranked by data completeness and our editor's picks, with differences drawn only from verified, first-party facts. Affiliate disclosure: we may earn a commission when you sign up through outbound links here, at no extra cost to you — commissions never influence our data or rankings. Full disclosure.