Ramp vs Brex
Editor Sebastiaan Smits ·
Published November 14, 2026 · Updated November 14, 2026
Both sell a free entry plan with unlimited cards and a paid tier priced per user. Ramp lists its extras openly, including add-ons, a platform fee and a filing charge. Brex prices its paid tier lower and puts multi-entity and local-currency cards in the plan structure. Single-entity US teams lean toward Ramp; companies with several entities or foreign subsidiaries lean toward Brex.
Side by side
 Ramp |  Brex | |
|---|---|---|
| What it is | Charge card with spend controls bundled in | Global cards and spend, now owned by Capital One |
| Best for | US startups to mid-size teams | Venture-backed and mid-size companies |
| Headquarters | United States | United States |
| Pricing model | Free tier + per user / month | Free tier + per user / month |
| Pricing | Free plan at $0 per user per month; Plus adds $15 per user per month plus a platform fee that scales with team size, and Enterprise is custom. | Essentials $0 per user per month, Premium $12 per user per month, Enterprise and Smart Card custom; some products carry associated fees. |
| Free option | Free plan | Free plan |
| List price as listed on November 14, 2026 | $0 per month per user (Free); Plus $15 per month per user plus a team-size platform fee | $0 per user per month (Essentials); Premium $12 per user per month |
| Place in our business credit card providers ranking | #1 of 13 | #9 of 13 |
| Website | ramp.com | brex.com |
Both are reviewed in full in Best Business Credit Card Providers in 2026. Vendors can pay for more visibility, and commercial relationships can affect which products we feature and how prominently. Placement disclosure.
Which one to choose
Choose Ramp if
you run one legal entity, want a free plan with unlimited cards, and prefer to see add-ons, the platform fee and filing charges written down before you sign.
Ramp, #1 in the ranking · Visit Ramp →
Choose Brex if
you operate several entities or foreign subsidiaries, need cards in local currencies, and want the lower per-user price on the paid tier.
Brex, #9 in the ranking · Visit Brex →
Where they differ
What the free plan allows
Ramp's Free plan costs $0 per month per user and the pricing page lists unlimited cards, virtual and physical, at no extra cost. Brex Essentials also costs $0 per user per month, but it is limited to two entities and one local card program. A single-entity company will not notice that cap. A group with several subsidiaries will hit it quickly, so the free plans suit different buyers.
Edge: Ramp
Price of the first paid tier
Brex Premium is listed at $12 per user per month. Ramp Plus is $15 per user per month plus a platform fee based on team size, and the page does not say how large that fee is. Even before the fee, Brex is $3 per user cheaper, and the gap grows with headcount. Ramp offers a free 30-day trial of Plus; Brex states no trial length.
Edge: Brex
Entities and cards abroad
Brex builds multi-entity support into its tiers: Premium covers US and international entities, Enterprise lists unlimited US or global entities, and Smart Card issues local-currency cards in 50+ countries, quoted through sales. Ramp's pricing page says nothing about entities or international card programs, so we cannot credit it with them. For a company paying staff or suppliers outside the US, only Brex documents an answer.
Edge: Brex
Charges outside the seat price
Ramp states what sits beside the subscription: Procurement and Accounts Receivable are add-ons to Plus or Enterprise, and 1099 filing is $0.65 per IRS filing with free state filing. Brex's pricing page shows no add-on or filing prices at all. That silence could mean none exist or that they are quoted elsewhere, and the page does not say which. Ramp is easier to budget from the page alone.
Edge: Ramp
Annual billing and contract terms
Ramp says Plus saves 20% with annual billing, though it gives no annual dollar figure, and its Enterprise tier is billed annually on a custom quote. Brex lists no annual prices for any plan and states no contract length. Neither page lets a buyer calculate a full-year cost without talking to sales for the larger tiers, so we call this round level, with Ramp slightly more forthcoming.
Edge: even
Tally: Ramp 2, Brex 2, even 1.
When neither fits
Neither is the obvious choice for a European company that wants a euro-priced plan with local support. Pleo lists a Start plan at EUR 8 per user per month, billed monthly. A small US team that wants a bank account with its card may prefer Mercury, which has a $0 plan and Plus at $29.90 per month.
See Pleo and Mercury among the 13 products in Best Business Credit Card Providers in 2026.
Questions and answers
Do Ramp and Brex both have a free plan?
Yes, both list a $0 entry plan. Ramp Free is $0 per month per user with unlimited cards. Brex Essentials is $0 per user per month but is limited to two entities and one local card program. Ramp also offers a free 30-day trial of Plus; Brex does not state a trial length.
Which is cheaper per user, Ramp or Brex?
Brex is cheaper on the listed paid tier. Brex Premium is $12 per user per month, while Ramp Plus is $15 per user per month plus a platform fee based on team size that the page does not quantify. Both vendors show a bare dollar sign, which we read as US dollars.
Which handles multiple entities and foreign cards better?
Brex documents more. Premium covers multi-entity setups across the US and international, Enterprise lists unlimited US or global entities, and Smart Card issues local-currency cards in 50+ countries. Ramp's pricing page does not describe entity limits or international card programs.
Does Ramp charge extra for 1099 filing?
Yes, Ramp lists 1099 filing at $0.65 per IRS filing, with state filing free. Procurement and Accounts Receivable are also add-ons to Plus or Enterprise. Brex's pricing page shows no add-on or filing prices, so we cannot compare those charges.
Sources
Prices, plan limits and product facts on this page were checked against the vendors' own pages on November 14, 2026. Vendors change both without notice, so treat the figures as of that date.
- Ramp pricing page: Ramp Free, Plus and Enterprise prices, the platform fee, unlimited cards, add-ons, 1099 filing charge, annual billing discount and the 30-day Plus trial
- Brex pricing page: Brex Essentials, Premium, Enterprise and Smart Card plans, the two-entity cap, multi-entity coverage and local-currency cards in 50+ countries
- Ramp homepage: Ramp company name, the New York footer address and the funding banner, with no investors named
- Brex about page: Brex's named backers; no headquarters or founding year is stated there
- Brex homepage: Brex's statement that cards are offered in 120+ countries
- Ramp security page: The same Ramp footer address, New York, NY
- Mercury pricing page: Mercury's $0 plan, Plus at $29.90 per month with a 30-day trial, and Pro at $299 per month
- Pleo pricing page: Pleo Start at EUR 8 per user per month, billed monthly, minimum one user