Rho alternatives
7 Corporate Cards tools worth considering instead of Rho — each compared to Rho on the facts that differ, every one sourced and continuously re-verified.
1 Ramp
Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.
- Card Network: Visa (Rho: Mastercard)
2 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 (Rho: 1% foreign currency conversion fee on card spend abroad)
- Approval Workflows & Policies: Per-card spend limits and freeze controls only; no multi-step approval routing (Rho: Approval rules by amount or team; off-policy spend flagged at point of use)
- Card Type: debit (Rho: charge card)
3 Brex
AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
- No Foreign Transaction Fees: Yes (Rho: 1% foreign currency conversion fee on card spend abroad)
- Rewards Model: tiered points (Rho: flat cash back)
4 Mercury
Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.
- Limit Basis: account balance (Rho: cash balance & revenue)
5 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. (Rho: 1% foreign currency conversion fee on card spend abroad)
- Card Network: Visa (Rho: Mastercard)
6 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. (Rho: AP/bill pay via ACH, check, wire, card with approval routing; zero fees)
- Card Network: Visa (Rho: Mastercard)
- Rewards Model: tiered points (Rho: flat cash back)
7 Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
- Starting Monthly Price (USD): $10 (Rho: $0)
- Card Type: debit (Rho: charge card)
- Card Network: Visa or Mastercard (Rho: Mastercard)
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.