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.
| Brex pricing | Ramp pricing | |
|---|---|---|
| Starts at | $12/mo | $15/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | — |
| Pricing model | per-seat | hybrid |
Price is one row. To weigh the features too, use our feature comparison template →
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
- Unlimited cards
- Card issuing controls
- Complete expenses via SMS or Slack
- Create a custom travel policy
- Book flights, hotels, and car rentals
- Auto-receipt collection and matching
- Automated invoice extraction (OCR)
- Configurable approval workflows
- Automated fraud checks
- Pay bills by ACH, card, check, wire, and more
- Invoice creation (OCR)
- Automated customer follow-up and cash application
- Accept payments via ACH, card, and check
- Earn 2%1 on cash in a FDIC-insured2 checking account
- Earn 4.62%3 in a Ramp Investment Account†
- No fees, minimum deposits, or transfer caps
- Free wires and same-day ACH via Bill Pay4
- Basic accounting rules
- QuickBooks Online and Xero integrations
- Custom reports and insights via AI reporting
- Custom report builder
- Automated vendor tracking and contract extraction
- Price intelligence
Plus
Popular- AI-driven expense reviews and policy insights
- Auto-lock cards when compliance is unmet
- 24/7 phone support for travel bookings
- Auto-coded line items
- AI-driven approval recommendations
- Automated batch payments
- Payment release approvals
- Advanced intake and approval workflows
- AI-driven vendor compliance reviews
- Automated PO creation and tracking
- Three-way match with Ramp purchase orders
- NetSuite, Sage Intacct, and more integrations
- AI coding for every field
- Automate approval and sync of routine spend
- Support for multi-entity businesses
- Auto tax capture and coding
- Share live reports and schedule exports
- Track budgets vs. actuals in real time
- Custom user roles
- Multi-entity visibility restrictions
- Audit log
Enterprise
- Workday, Oracle Fusion Cloud, and more integrations
- Locally funded reimbursements
- Pay card payments in local currency
- Local currency card issuing in 30+ countries
- Dedicated account and customer success manager
- Priority 24/7 global support
- Custom implementation scoping and roll out plan
- Integration setup and validation testing
- Employee training and change management
- 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: Free-to-start puts Brex in the same low-friction bucket as Ramp, aiming squarely at startups and growth-stage companies rather than enterprises with entrenched Concur or SAP contracts. The $12/seat Premium tier is cheap enough to not be a blocker, suggesting Brex makes its real money on card spend and float, not software fees. Ramp: Ramp is playing the aggressive-value card with a genuinely free tier in a category where Brex and Expensify-style tools tend to gate more behind paid plans, while the $15 Plus entry point undercuts most premium spend-management suites. The target is mid-market finance teams who want to consolidate AP, cards, and expense tools without a big upfront commitment.
Still deciding? See the best Brex alternatives or the best Ramp alternatives, ranked with verified pricing.
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