Ramp vs Brex Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
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 4.24% 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
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
Ramp vs Brex FAQ
- Which one is cheaper?
- Brex is the cheaper option, starting at $12/mo vs $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. Ramp uses hybrid pricing, while Brex goes with per-seat. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Ramp: Ramp isn't playing the cheap card here — the platform fee plus per-seat pricing pushes effective cost higher than the headline $15 suggests, especially for mid-size teams. They're positioning as the modern, feature-rich alternative to legacy expense tools, banking on product quality to justify the premium over pure per-seat competitors. 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.
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