Wise Business alternatives
7 Corporate Cards tools worth considering instead of Wise Business — each compared to Wise Business 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.
- No Foreign Transaction Fees: International transactions carry a Visa conversion markup up to 3% (Wise Business: No foreign transaction fees on card spend; mid-market rate, no FX markup)
- Approval Workflows & Policies: Configurable spend policies + approval routing; advanced routing on Plus+ (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Card Type: charge card (Wise Business: debit)
2 Brex
AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
- Approval Workflows & Policies: Yes (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Card Type: charge card (Wise Business: debit)
- Card Network: Mastercard (Wise Business: Visa)
3 Mercury
Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.
- No Foreign Transaction Fees: 3% currency conversion fee on non-USD IO transactions (Wise Business: No foreign transaction fees on card spend; mid-market rate, no FX markup)
- Approval Workflows & Policies: Company-wide spend policies plus multi-layered approval rules for bill pay (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Card Type: charge card (Wise Business: debit)
4 Navan
Formerly TripActions — combined travel, expense, and corporate card, tying card spend to booked travel and policy.
- Approval Workflows & Policies: Configurable spend policies; out-of-policy transactions instantly flagged; unlimited policy/approval workflows (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Card Type: charge card (Wise Business: debit)
- Rewards Model: flat cash back (Wise Business: none)
5 BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
- No Foreign Transaction Fees: Foreign currency / cross-border fees may apply on international spend. (Wise Business: No foreign transaction fees on card spend; mid-market rate, no FX markup)
- Approval Workflows & Policies: Custom budgets, assigned card limits, and automated approval workflows. (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Bill Pay / AP: Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense. (Wise Business: Pay vendor bills/invoices; BatchTransfer sends up to 1,000 payments from a spreadsheet)
6 Rho
All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.
- No Foreign Transaction Fees: 1% foreign currency conversion fee on card spend abroad (Wise Business: No foreign transaction fees on card spend; mid-market rate, no FX markup)
- Approval Workflows & Policies: Approval rules by amount or team; off-policy spend flagged at point of use (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Card Type: charge card (Wise Business: debit)
7 Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
- Approval Workflows & Policies: Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above. (Wise Business: Per-card spend limits and freeze controls only; no multi-step approval routing)
- Starting Monthly Price (USD): $10 (Wise Business: $0)
- Card Network: Visa or Mastercard (Wise Business: Visa)
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.