People still search for Divvy. It is the same product as BILL Spend & Expense: BILL's own product page says BILL Spend & Expense was "formerly Divvy" and combines company cards, expense tracking and spend controls. So the real three-way question is Ramp, Brex or BILL.
All three list a $0 entry tier (pricing pages read October 27, 2026), so the list price does not decide this. What decides it is where your other finance work already lives.
The verdict, by situation
| Your situation | Our pick | Why |
|---|---|---|
| One finance team that wants cards, reimbursements and supplier bills in one place | Ramp | Its published scope covers cards, expenses, controls and accounts payable in one workflow |
| Accounts payable already runs in BILL and will stay | BILL Spend & Expense | Cards and expenses sit beside the payables you already run |
| Travel and policy exceptions generate most of the work | Brex | It positions cards, travel, expenses and policy controls together |
What they publish about price
The free tiers are real: Ramp Free, Brex Essentials and BILL Spend & Expense are each listed at $0. The paid tiers differ in structure. Brex Premium is listed at $12 per user a month. Ramp Plus is $15 per user a month plus a platform fee. BILL lists Spend & Expense at $0 per user, with card credit lines subject to approval.
The guarantee question
Founders often ask whether they are personally on the hook. Ramp says its corporate cards carry no personal guarantee and no personal credit check. Brex says it does not require a personal guarantee and that a company can apply with an EIN. BILL's product page does not address it, so ask BILL in writing before you apply. For what the law says about card liability, see corporate card vs business credit card.
Our pick: Ramp
For the reader this site is written for, a controller at a 20-to-500-person US company replacing shared cards or spreadsheets, Ramp is the default. Ramp Free is listed at $0, and the paid tier is there when you need what it adds, not before.
Who should skip Ramp: a team already paying suppliers in BILL, where adding a second platform for cards creates the duplicate-vendor problem you were trying to fix, and a travel-heavy company that should start with Brex. And none of the three is the answer for a company that mainly reimburses personal spend: see our ranking for that case.
Traceable evidence
Sources for this decision
- vendorRamp official product siteRamp · checked Aug 5, 2026 · supports: Vendor-published product scope used to verify capabilities relevant to this buyer context: US finance teams evaluating cards, expenses, controls, and accounts payable in one operating workflow. It does not prove the guide's fit verdict, configured performance, current pricing or compliance.Open source ↗
- vendorBrex official product siteBrex · checked Aug 5, 2026 · supports: Vendor-published product scope used to verify capabilities relevant to this buyer context: Growing companies evaluating corporate cards, travel, expenses, and policy controls. It does not prove the guide's fit verdict, configured performance, current pricing or compliance.Open source ↗
- vendorBILL Spend & Expense official product siteBILL Spend & Expense · checked Aug 5, 2026 · supports: Vendor-published product scope used to verify capabilities relevant to this buyer context: SMBs evaluating card controls and expense workflows alongside BILL financial operations. It does not prove the guide's fit verdict, configured performance, current pricing or compliance.Open source ↗
- vendorBILL Spend & Expense product pageBILL · checked Oct 27, 2026 · supports: BILL's statement that BILL Spend & Expense was formerly Divvy and combines company cards, expense tracking and spend controls; it does not state card terms, eligibility or a personal-guarantee policy.Open source ↗
- vendorRamp corporate cardsRamp · checked Oct 27, 2026 · supports: Ramp's statements that its corporate cards carry no personal guarantee and no personal credit check, and that limits depend on business financial factors such as revenue or funds raised; it does not guarantee approval for a given company.Open source ↗
- vendorBrex corporate credit card FAQBrex · checked Oct 27, 2026 · supports: Brex's statements that it does not require a personal guarantee, that a company can apply with an EIN and that applying does not affect the founders' personal credit; it does not guarantee approval or a limit.Open source ↗
- vendorRamp pricing pageRamp · checked Oct 27, 2026 · supports: Ramp's own pricing page as read on 2026-10-27, supporting the entry list price of its Ramp Plus plan ($15 per user/month + a platform fee), and a free plan (Yes, Ramp Free ($0)). It does not prove the total cost for a given buyer, later price changes, promotions, negotiated discounts or taxes.Open source ↗
- vendorBrex pricing pageBrex · checked Oct 27, 2026 · supports: Brex's own pricing page as read on 2026-10-27, supporting the entry list price of its Premium plan ($12 per user/month), and a free plan (Yes, Essentials ($0)). It does not prove the total cost for a given buyer, later price changes, promotions, negotiated discounts or taxes.Open source ↗
- vendorBILL Spend & Expense pricing pageBILL Spend & Expense · checked Oct 27, 2026 · supports: BILL Spend & Expense's own pricing page as read on 2026-10-27, supporting the entry list price of its BILL Spend & Expense plan ($0 per user/month) and the page details recorded with it (Formerly Divvy; card credit lines subject to approval), and a free plan (Yes ($0 per user)). It does not prove the total cost for a given buyer, later price changes, promotions, negotiated discounts or taxes.Open source ↗