Brex vs Ramp

Last updated 2026-10-17. Prices and terms checked against each linked source on 2026-10-17; vendors change them, so confirm before you buy.

Brex and Ramp both sell corporate cards with expense management, bill pay and travel, and both have a $0 entry plan. The practical differences for a startup are who can get approved, what the paid plans cost, and how much of the rest of your finance stack each one tries to be.

Below: the published facts side by side, then how to pick. Each cell links to the page it came from.

	Brex	Ramp
What it is	Corporate cards, spend management and business accounts.	Corporate cards, expense management, AP and accounting automation.
Category · stage	Spend Management & Cards · Seed	Spend Management & Cards · Seed
Plans & price	Essentials $0/user/month; Premium $12/user/month; Enterprise custom pricing.source	Free $0/user/month; Plus $15/user/month plus a platform fee based on team size (20% off with annual billing); Enterprise custom.source
Who can apply	All applicants need a US EIN, US incorporation, US operations and a US physical address. For the monthly-payment card, funded startups generally need a $50,000 minimum cash balance; mid-market and enterprise companies need more than $400,000/month in revenue. Daily-payment accounts are aimed at companies with equity investment (or plans to raise), more than $500,000 a year in revenue, or referred tech startups.source	US-registered corporation, LLC or LP (nonprofits welcome; no sole proprietors), an EIN, at least $25,000 cash in a linked US business bank account, most operations and spend in the US, and a US physical address.source
Personal guarantee	Not covered in our sources	Not required.source
Cards	Unlimited global cards accepted in 210+ countries and territories; local-currency cards and billing in 50+ countries on higher tiers / Smart Card.source	Unlimited cards with card-issuing controls on the Free plan.source
Entities	Essentials: up to two entities (1 global). Premium: multi-entity US and international. Enterprise: unlimited entities.source	Not covered in our sources
Travel	Travel booking included (free on Essentials).source	Book flights, hotels and car rentals with a custom travel policy (Free plan).source
Business account	Business account with checking, a Treasury account with no minimum deposit, free same-day ACH, and up to $6M FDIC coverage through its Vault sweep.source	Checking account (deposits at First Internet Bank of Indiana, Member FDIC) plus an optional managed Investment Account for reserve cash (securities, not FDIC).source
Ownership	Capital One completed its acquisition of Brex on April 7, 2026.source	Not covered in our sources
Website	Visit Brex	Visit Ramp

How to choose

You have less than $50,000 in the bank: Ramp's published bar is $25,000 in a linked US business account. Brex's monthly-payment card generally needs $50,000 for funded startups, though Brex says you can still apply for its daily-payment account.
You want to stay on a free plan as you grow: Both have a $0 tier. Brex Premium is a flat $12/user/month; Ramp Plus is $15/user/month plus a team-size platform fee Ramp doesn't publish.
You have entities or teams outside the US: Brex lists multi-entity US and international on Premium and local-currency cards in 50+ countries.
You want spend software on top of your existing bank: Both work this way; check which integrates with your accounting system before you switch.

FAQ

Is Ramp cheaper than Brex?

Both have a free plan ($0/user/month). On paid plans, Brex Premium is $12/user/month and Ramp Plus is $15/user/month plus a platform fee based on team size, per each company's pricing page.

What do you need to qualify for Ramp?

A US-registered corporation, LLC or LP, an EIN, at least $25,000 cash in a linked US business bank account, mostly US operations and a US physical address. Ramp says no personal guarantee is required.

What do you need to qualify for Brex?

A US EIN, US incorporation, US operations and a US physical address. For its monthly-payment card, Brex says funded startups generally need a $50,000 minimum cash balance.

Who owns Brex?

Capital One completed its acquisition of Brex on April 7, 2026.

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