kitio.aiRamp vs Brex
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Brex has the lower starting price: about $12 a month, against $15 for Ramp.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Corporate cards
- Automated expense reports
- Bill pay with invoice capture
- AI accounting coding
- Procurement workflows
- Corporate cards
- Business banking
- AI expense assistant
- Budgets and spend limits
- Travel booking
| Feature | Ramp | Brex |
|---|---|---|
| Best for | Corporate cards and spend management with AI finance agents | AI-powered corporate cards, banking and expense management |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Freemium |
| Starting price | $15/mo | $12/mo |
| Free plan | Yes | Yes |
| Made by | Ramp | Brex (Capital One) |
| Based in | United States | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
|
|
Both offer: Corporate cards.
Pricing compared
Brex has the lower starting price: about $12 a month, against $15 for Ramp.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Free
Free
- Corporate card, unlimited cards
- Expense management basics
Plus
$15/mo
- Per user, plus platform fee
- AI-driven automation
- 20% off with annual billing
Enterprise
Contact sales
- Annual billing
- Workday and Oracle integrations
- Global coverage and local reimbursements
3 plans
Essentials
Free
- Per user
- Global cards, 1 local card program
- Up to two entities
- Accounting integrations
Premium
$12/mo
- Per user
- Custom expense policies
- AI compliance audit detection
- Advanced approval chains
Enterprise
Custom
- Unlimited entities
- Local card issuance
- Named account manager
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Ramp
- Free core platform
- Strong automation for receipts
- Fast-moving product
- US-focused
- Advanced features on Plus
- Card limits depend on cash balance
Brex
- Global card and reimbursement support
- Good AI receipt handling
- Free entry tier
- Advanced features cost per user
- Eligibility rules for cards
- Ownership change may shift terms
Which one should you choose?
Choose Ramp if you want:
- Free core platform
- Strong automation for receipts
- Fast-moving product
Watch out: us-focused.
Choose Brex if you want:
- Global card and reimbursement support
- Good AI receipt handling
- Free entry tier
Watch out: advanced features cost per user.
Ramp vs Brex FAQ
What is the difference between Ramp and Brex?
Ramp: Corporate cards and spend management with AI finance agents. Brex: AI-powered corporate cards, banking and expense management. Both are legal, finance & hr tools.
Is Ramp or Brex cheaper?
Brex has the lower starting price: about $12 a month, against $15 for Ramp.
Do Ramp and Brex have free plans?
Ramp: Yes. Brex: Yes.
Who makes Ramp?
Ramp is made by Ramp, based in United States.
Who makes Brex?
Brex is made by Brex (Capital One), based in United States.
Which should I choose, Ramp or Brex?
Choose Ramp if you value free core platform and strong automation for receipts. Choose Brex if you value global card and reimbursement support and good ai receipt handling.