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
- 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
- Earn 4.16%* 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
- 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?
- Both use a per-seat model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Brex: At $12/seat, Brex is priced well below traditional expense platforms like Concur but competes directly with Ramp (which is free) — so they're not the cheapest option in the modern fintech stack. They're positioning Premium as a mid-market value play, using the free tier to win startups early before competitors can. Ramp: Sitting in the middle of the expense management pack — not racing to the bottom like some fintech plays, but not premium-priced either. That $15/seat Plus tier is positioned to steal share from both cheaper tools and bloated enterprise solutions.
Keep tabs on both.
We'll monitor pricing changes for Brex and Ramp and let you know when something moves.