For modern businesses looking to streamline financial operations and gain better control over their spending, choosing the right expense management platform is essential. Ramp, Brex, and Divvy are three leading options that offer corporate cards, expense tracking, and automation tools to help companies manage their finances efficiently. While they all serve similar purposes, each of these platforms has its own strengths, pricing models, integrations, and ideal use cases. Understanding how Ramp vs Brex vs Divvy compares across different features is key for decision-makers seeking financial tools that match their growth goals and operational style.
Overview of Ramp, Brex, and Divvy
Ramp
Ramp is a finance automation platform focused on helping businesses reduce spending through smart insights and automation. Ramp offers a corporate card with no fees and 1.5% cashback on all purchases. It’s known for its sleek user interface, automated savings recommendations, and strong integrations with accounting software like QuickBooks, Xero, and NetSuite.
Brex
Brex started as a corporate card provider for startups but has since evolved into a full financial stack, including bill pay, business accounts, spend controls, and travel management. Brex supports high-growth companies with flexible credit limits, points-based rewards, and powerful financial dashboards. It offers tailored solutions for startups, e-commerce, and enterprise clients.
Divvy
Divvy is a spend management platform that combines budgeting software with a business credit card. What sets Divvy apart is its proactive budgeting system, allowing companies to allocate budgets by department, team, or employee before the spending begins. It integrates expense tracking with credit and is especially popular among small and midsize businesses looking for cost control and oversight.
Key Feature Comparison
Corporate Card and Rewards
- Ramp: Offers a flat 1.5% cashback on all purchases with no rewards categories, keeping it simple and predictable.
- Brex: Uses a dynamic points-based reward system, offering 7x on rideshare, 4x on travel, 3x on dining, and more ideal for companies with varied spending.
- Divvy: Also offers a points-based reward system, with multipliers based on how frequently you pay off your balance (weekly earns more points than monthly).
Expense Management Tools
- Ramp: Strong emphasis on automation receipt matching, expense categorization, and policy enforcement all work seamlessly in the background.
- Brex: Provides spend controls, expense categorization, and real-time dashboards but may require more manual oversight depending on company size.
- Divvy: Unique budget-first approach gives administrators the ability to set pre-approved spending rules for individuals or departments in advance.
Integrations
- Ramp: Offers integrations with QuickBooks, Xero, Sage Intacct, and NetSuite for accounting; also supports HR platforms and Slack.
- Brex: Integrates with QuickBooks, NetSuite, Xero, and others; also offers custom API access for large organizations.
- Divvy: Connects with QuickBooks Online, NetSuite, and Microsoft Dynamics, but may have fewer deep integrations compared to Ramp or Brex.
User Experience and Interface
- Ramp: Clean and intuitive interface with minimal training required. Automated alerts and savings insights improve engagement.
- Brex: Comprehensive but may feel more complex due to its wide range of features. Designed for startups and enterprises that need flexibility.
- Divvy: User-friendly and designed to simplify team budgeting. Some users report a learning curve when adapting to the budgeting system.
Financial Requirements and Credit
Ramp
Ramp is designed for businesses with at least $75,000 in a U.S. business bank account. It does not perform a credit check but requires access to financial data to set limits based on cash flow.
Brex
Brex originally catered to venture-backed startups, but now supports a wider range of businesses. Approval is based on factors like cash balance, revenue, and business model, not personal credit scores.
Divvy
Divvy issues credit lines based on the company’s financial profile. It does not require personal guarantees and does not check personal credit for approval. Businesses must link a U.S. bank account for verification.
Pricing and Fees
Ramp
Ramp is free to use with no fees on the corporate card. It earns revenue through interchange fees rather than subscriptions. There are no monthly, annual, or user fees.
Brex
Brex offers a free tier, but its advanced features are included in paid plans for larger teams. Additional services such as bill pay or travel may incur costs, depending on usage and tier.
Divvy
Divvy is also free to use, monetizing through interchange fees. All features, including budgeting and expense tracking, are included at no cost to the business.
Ideal Customer Profiles
Ramp
Ramp is ideal for mid-sized companies, tech startups, and finance teams that value automation and simplicity. If reducing expenses and streamlining back-office tasks is a priority, Ramp is a strong choice.
Brex
Brex suits high-growth startups, venture-backed companies, and larger enterprises. Businesses with global operations or those requiring a full suite of financial tools will appreciate its scalability.
Divvy
Divvy works best for small to midsize companies that want to control spending from the top down. It’s especially effective for businesses that want to enforce strict budgets and oversight across departments.
Customer Support and Onboarding
Ramp
Ramp provides guided onboarding, live chat support, and a help center. Most users find the implementation process fast and the support responsive.
Brex
Brex offers dedicated account managers for larger clients and online resources for others. Support quality can vary depending on account size.
Divvy
Divvy provides live support and onboarding specialists. Their account teams often work closely with clients to ensure a smooth setup, especially for companies new to spend management platforms.
Choosing between Ramp vs Brex vs Divvy depends on your company’s size, financial goals, and operational style. Ramp is great for automation and simplicity, Brex offers a broader financial ecosystem for startups and enterprises, while Divvy is strong for those prioritizing budgeting and control. Each solution provides corporate cards and expense tracking, but the real value lies in how each platform supports your team’s workflow and financial discipline. By understanding the differences in rewards, features, integrations, and user experience, businesses can select the right platform to optimize financial operations and scale effectively.