Brex vs Ramp Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Free
- Corporate Card
- Unlimited cards
- Card issuing controls
- Travel & Expense
- Complete expenses via SMS or Slack
- Create a custom travel policy
- Book flights, hotels, and car rentals
- Auto-receipt collection and matching
- Accounts Payable
- Automated invoice extraction (OCR)
- Configurable approval workflows
- Automated fraud checks
- Pay bills by ACH, card, check, wire, and more
- Treasury
- Earn 4.43% in a Ramp Investment Account
- Earn 2% on cash in a FDIC-insured account
- No fees, minimum deposits, or transfer caps
- Free wires and same-day ACH via Bill Pay
- Accounting Automation
- Basic accounting rules
- QuickBooks Online and Xero integrations
- Budgets & Reporting
- Custom reports and insights via AI reporting
- Custom report builder
- Vendor Management
- Automated vendor tracking and contract extraction
- Price intelligence
Plus
Popular- Travel & Expense
- AI-driven expense reviews and policy insights
- Auto-lock cards when compliance is unmet
- 24/7 phone support for travel bookings
- Accounts Payable
- Auto-coded line items
- AI-driven approval recommendations
- Automated batch payments
- Payment release approvals
- Procurement (Add-on to Plus or Enterprise)
- Advanced intake and approval workflows
- AI-driven vendor compliance reviews
- Automated PO creation and tracking
- Three-way match with Ramp purchase orders
- Accounting Automation
- NetSuite, Sage Intacct, and more integrations
- AI coding for every field
- Automate approval and sync of routine spend
- Support for multi-entity businesses
- Global Coverage
- Auto tax capture and coding
- Budgets & Reporting
- Share live reports and schedule exports
- Track budgets vs. actuals in real time
- User management
- Custom user roles
- Multi-entity visibility restrictions
- Audit log
Enterprise
- Accounting Automation
- Workday, Oracle Fusion Cloud, and more integrations
- Global Coverage
- Locally funded reimbursements
- Pay card payments in local currency
- Local currency card issuing in 30+ countries
- White Glove Support
- Dedicated account and customer success manager
- Priority 24/7 global support
- Implementation Services
- Custom implementation scoping and roll out plan
- Integration setup and validation testing
- Employee training and change management
- Enterprise Services
- Custom development
- ERP extensions and configurations
- Custom policy and workflow configuration
- Advanced org, role, and entity configuration
Brex vs Ramp FAQ
- Which one is cheaper?
- Brex starts lower at $12/mo, compared to $15/mo for Ramp.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Brex uses per-seat pricing, while Ramp goes with hybrid. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Brex: Brex undercuts on sticker price compared to Ramp and Airbase, especially with a genuinely free tier, but the $12/seat Premium plan signals they're not trying to win on being the budget option forever. This is a land-grab strategy — get startups in free, then monetize as they scale and become harder to rip out. Ramp: Ramp plays the aggressive value card against Brex and Expensify, undercutting on visible per-user price while competing hard on being 'free' at the entry level to win startups and SMBs away from spreadsheets or legacy corporate cards. It's not the cheapest once the platform fee is factored in, but it's positioned to look like the budget-friendly modern alternative.
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