Ramp vs Brex vs Rho

Ramp, Brex, and Rho all offer corporate cards without personal guarantees. The differences are in what the rewards actually pay, what the software actually costs, and who actually holds your cash.

Here is the short version.

• All three can help you consolidate your finance stack and automate busy work.

• However, Ramp and Brex charge seat-based fees to access premium features like accounting integrations and customer support.

• For a 50-person company running an ERP, that gap widens.

  Ramp puts NetSuite and Sage Intacct behind Plus ($15 per user per month plus an undisclosed platform fee based on team size) and charges extra for procurement even on Plus; Workday and Oracle Fusion require Enterprise.

  Brex includes ERP integrations such as NetSuite and Sage Intacct on its free Essentials plan, but puts advanced policy controls, custom roles, and VIP support behind Premium ($12 per user per month).

  Rho charges no per-user fee and no subscription fee (all pricing as of 08/03/2026).

What is Ramp?

Start with the basics.

Based in New York, Ramp is a fintech company initially launched in 2019 as a corporate card and expense management platform combo and has since expanded its product capabilities to include bill payments, banking, procurement, and accounting integrations.

Ramp's mission is to help build healthier businesses and does so through its platform that helps businesses control spend, save time, and automate busywork.

What does Ramp offer?

Here is what you actually get.

Ramp's products include corporate cards with variable cashback (0%–1.5%, set per business and not disclosed until after you apply; NerdWallet, updated 06/15/2026), banking, expense management, procurement, accounts payable, vendor management, working capital, a mobile app, and other core features built into their platform.

Key features include:

• Expense management users can upload a snapshot of receipts using the mobile app.

• Ramp Treasury, which offers yield through the Ramp Business Account and a money market fund via the Ramp Investment Account (rates vary and are not published on a fixed schedule.

  See Ramp's site for current figures; the Investment Account holds SIPC-covered securities, not FDIC-insured deposits).

• The platform auto-collects and matches receipts in minutes with integrations for Gmail, Uber, Amazon Business, and Lyft.

• Ramp's automation handles approvals, global reimbursements, and AI-powered reconciliations.

• Ramp Flex,a financing solution embedded in Ramp Bill Pay that adds additional float for your vendor payments.

• Ramp will pay vendors when requested and can choose to repay Ramp over 30, 60, or 90 days.

  Ramp Flex fees for financing are based on the customer's current cash balances, revenue and commerce data, and credit bureau information. Fees may change from one invoice to the next.

It's important to note that Ramp customers must sign up for Ramp Plus to access many of the platform's marquee features, including ERP integrations, purchase order management, and premium customer support.

As of 08/02/2026, Ramp Plus is $15 per user per month plus a “platform fee based on team size” whose amount Ramp doesn’t publish (20% off with annual billing).

The free tier covers QuickBooks Online and Xero; NetSuite and Sage Intacct require Plus, Workday and Oracle Fusion require Enterprise, and procurement is a paid add-on even on Plus.

Larger enterprise organizations must contact Ramp Sales for a quote.

Who is Ramp best for?

Here is the tradeoff.

Ramp is a strong spend management platform if you have a narrow set of needs related to your finance stack.

For example, if you are looking for a starting corporate card solution with some expense management capabilities, Ramp provides an effective offering.

Ramp can help you save time on processes like month end close and money compared to using a pair of legacy solutions like American Express and SAP Concur.

However, depending on your payment and invoice volume, Ramp Pay payment processing costs could add up. Note that other providers like Rho offer these capabilities and more without the need to pay subscription user fees.

What is Brex?

The short history.

Based in San Francisco, Brex is another spend management fintech company that first launched as a VR startup back in 2017.

After pivoting, they launched a corporate card to challenge American Express and have since added spend management capabilities like expenses, travel, and AP.

Brex's mission is to empower employees anywhere to make better financial decisions, doing so by providing spend management and finance automation capabilities. Capital One completed its acquisition of Brex on April 7, 2026.

Brex keeps its brand and CEO (Pedro Franceschi) and operates as an independent brand on Capital One infrastructure.

Brex checking remains with Column N.A. ($1.39B in assets, FDIC call report 03/31/2026); no migration of deposits onto Capital One's charter has been announced (as of 08/02/2026).

Note: A key difference between Brex and Ramp and Rho is that Brex largely caters to venture capital-backed startups. If you are also weighing banking platforms, see our Mercury vs Brex vs Rho startup banking comparison.

In 2022, Brex made a decision to no longer support traditional small businesses. If you are in this group, Brex may not be the right solution for you.

What does Brex offer?

The feature set, in brief.

Brex's products include corporate cards that offer a points-based rewards system, expense management, procurement, accounts payable, travel booking, business banking services, a mobile app, and other finance features.

Key features include:

• Brex Corporate Cards that offer a points-based rewards program based on different categories of spending.

  For example, it offers 7x points multiplier on rideshares, which you can redeem for things like billboard ads. Brex points redeem for cash at 0.6 cents per point (Forbes Advisor, verified 05/06/2026).

• Built-in travel booking and travel policy management capabilities and automated AP workflows.

• Business accounts that offer yield and fee-free ACHs.

• Brex AI, the company's AI-powered assistant embedded in each product that can help employees with expenses and answer questions, freeing time for the finance team.

Like Ramp, it's important to note that Brex reserves several features for Premium or Enterprise accounts, including VIP support, custom roles and permissions, advanced policy controls, live budgeting, and travel planning.

ERP integrations, including NetSuite and Sage Intacct, are included on the free Essentials plan (verified 08/11/2026).

As of 08/03/2026, Brex Premium is $12 per user per month and Brex Essentials is $0 per user per month, but larger enterprise organizations must contact Brex Sales for a more specific quote if they would like to access more features and dedicated onboarding.

Who is Brex best for?

One caveat worth knowing.

As previously mentioned, Brex caters largely to startups with venture capital funding.

If you fit this category, they can be a quality option, although other providers like Rho offer these capabilities and more without the need to pay subscription user fees.

What is Rho?

Based in New York, Rho is a comprehensive finance automation platform that helps businesses boost their bottom line and operate leaner.

Rho offers corporate cards, expense management, AP automation, business banking, accounting automations, and treasury management, all in one platform designed to help businesses and finance teams operate more profitability and save operational hours every month.

What does Rho offer?

Here is the short list.

Rho's products include corporate charge cards with daily or monthly terms that offer up to 2% cashback for Rho Platinum members₁, spend controls, accounts payable, business banking, a mobile app, budgeting, expense management tools, and more.

The idea is that finance teams can use Rho to eliminate non-compliant spending, generate yield and cashback that adds to the bottom line, and automate key processes like month-end close, vendor payments, and budgeting.

Key features include:

• Rho Corporate Cards with built in spend controls, expense management capabilities as needed, and the ability to earn up to 2% cashback for Rho Platinum members on spending₁.

• Rho AP automates the end-to-end accounts payable process in just a few clicks and without payment delays that some experience with point solutions like Bill.com thanks to Rho's integrated business banking.

• Rho Treasury, a treasury management solution that invests excess cash in short-dated U.S. Treasury Bills held directly in your company's name, plus Morgan Stanley and Vanguard mutual fund options.

  Treasury investments are SIPC-protected securities, not FDIC-insured deposits.

• Rho Business Savings, built on American Deposit Management Co.'s sweep network of 400+ FDIC-insured banks, offering up to $75M in FDIC deposit insurance per entity. Rho checking is separately FDIC-insured up to $250K through Webster Bank, a division of Santander Bank, N.A.

• Support available 24/7 to assist, from implementation and expense policy set-up to AP automation configuration and troubleshooting.

Unlike Ramp or Brex, Rho offers these capabilities (and more) without charging platform fees or premium, user-based plans. We designed the platform with integrated spend management and cash management to align incentives with our customers.

The Rho Card advantage

What sets the card apart:

With the Rho Card, we're providing even more value to our customers without gating the benefits behind additional fees or tiers. Here's what you can look forward to with Rho:

• Competitive cashback: Customers can earn up to 2% cashback for Rho Platinum members₁ to help scale faster and reinvest in what matters most to them.

  Whether you're buying coffee for clients, paying for quarterly team dinners, or booking travel for off-sites, you'll be earning industry-leading rates.'

• Premium benefits and perks: Businesses on Rho can access over $1 million in total perks.

  From private, invite-only receptions to premium seats at upcoming sporting events, businesses can unlock access to exclusive events alongside well-connected founders and influential investors across New York and San Francisco.

  To help with day-to-day operations, they'll also get over $600K+ in rewards for tools like Perplexity Enterprise, Google Cloud, and AWS, among many more.'

• Award-winning support: Customers can access live, 24/7 support from real humans, ensuring they get the help they need when they need it.

  Implementation support is also available to help customers onboard onto the Rho platform and start earning rewards faster.

Who is Rho best for?

Who gets the most out of it:

Whether you are a sophisticated middle market business with multiple entities or a 2-person startup, you can derive significant value running your finance operations on Rho.

To be eligible for Rho, your business must be incorporated in the United States. We do not offer services to sole proprietorships or unincorporated businesses.

Did you know? Rho is also a popular finance platform among private equity-backed companies and CFOs thanks to our comprehensive spend management capabilities and multi-entity support.

Ramp vs Brex vs Rho

Superfiliate CEO on Rho vs Ramp

In the following sections, we will provide a comprehensive comparison of how Rho compares with Brex and Ramp across core platform capabilities including corporate credit cards, expense management, AP automation, business banking and other areas worth noting.

Ramp vs Brex vs Rho business credit card comparison guide

First, what they have in common.

All three fintech companies offer corporate credit cards that are considered charge cards.

In other words, they are a type of credit card that does not provide a revolving line of credit; it requires the outstanding balance to be paid in full by a predetermined date.

You can read why a business might prefer a corporate charge card vs a traditional corporate credit card with a revolving line of credit in our guide to corporate cards.

In general, there are very few differences between the Ramp Card, Brex Card, and Rho corporate card from a functionality standpoint.

All provide a series of spend controls that help businesses manage budgets, the ability to generate virtual and physical cards, rewards you can receive for things like paying for AWS cloud bills and none require a personal guarantee.

However, there are some important distinctions that are important to consider.

For additional reading, check out how the Rho Corporate Card compares to the Divvy credit card.

1. Underwriting

Why that matters:

The underwriting process of legacy corporate card providers like American Express and Capital One typically ask for years of revenue data and often require a personal credit guarantee.

This can be challenging for businesses that are growing but don't have extensive credit histories.

Brex, Ramp and other corporate card providers don’t require a personal guarantee and can be accessible to newer businesses, but they place a strong emphasis on current cash balance.

Rho does not apply a single, one-size-fits-all approach to evaluating companies, which is one of the first ways we help businesses generate a high, stable limit.

When you submit a Rho corporate credit card application, we utilize a variety of inputs to establish a more holistic view of a company, its financial health, and its ability to support various extended credit limits.

You can read more about our unique underwriting approach and how it compares to Amex, Brex, and Ramp in our recent blog post on the topic.

2. Card rewards programs

Here is how the three compare.

Rho publishes its Cashback rates. Rho Platinum members earn up to 2% on the Rho Card with Daily Terms (terms apply), and standard cards earn up to 1.25% (as of 08/02/2026).

Ramp's cashback is variable at 0% to 1.5%, set per business and not disclosed until after applying; Ramp declined to disclose per-tier rates (NerdWallet, updated 06/15/2026).

Brex offers a points-based perks system (with some eligibility requirements).

We've written about the value of straight cashback vs points-based systems. In short, we recommend a cashback program since you won't run into any redemption restrictions and cash never expires.

What's more, consider the full breadth of capabilities you need and the holistic cost of the platform, not just the headline rewards rate.

3. Customer support

This is one of the most important considerations businesses have when selecting a corporate card program and it's an area Rho has been recognized in G2 for excelling.

Ramp reserves premium support for its paid tiers. Brex offers live support 24/7 on every plan and reserves VIP support, which adds direct specialist access, for Enterprise (verified 08/11/2026).

Rho offers world-class, expert support via phone, in-app chat, or SMS 24/7 on every account, with no paid tier required.

Shoutout to @rhobusiness the customer service is incredible.

I got stuck and submitted a support request, then mentally wrote it off until tomorrow. Got an after-hours call back in 15 minutes and they immediately fixed my issue. Shockingly good! Posted by aaron larue (@aaronlarue) January 19, 2024

4. Minimum deposit amount

The numbers, straight from each provider:

According to each provider's website as of this article's publish date, each company has the following deposit requirement to maintain any credit limit:

• Rho: Rho does not currently have a specific minimum requirement to begin to access credit given our holistic underwriting model.

• Ramp: You must have at least $25, 000 in cash in any US business bank account linked to your application.'

• Brex: 'Brex generally requires its customers to maintain a cash balance of at least $25, 000 to maintain any credit limit.'

So, which corporate card program is right for your business?

Best corporate credit card for venture-backed startups

While Brex caters its marketing and brand to VC-backed startups, Ramp and Rho are both designed to serve startups as well.

Aside from the factors above, remember that Rho offers a comprehensive finance solution, world-class customer support, and more without the subscription fees Ramp and Brex now charge.

Best corporate credit card for bootstrapped startups

Brex is not a good choice for bootstrapped startups, because spending limits and benefits are designed for funded growth companies. In June of 2022, Brex announced that it was leaving the small business and medium-sized (SMB) market.

Ramp and Rho, on the other hand, are designed to support SMBs and can provide spending limits to qualifying businesses, although Rho has business banking and treasury without the additional subscription license fees that Ramp now charges for Ramp Plus.

Best corporate credit card for rewards

This question has been debated for as long as corporate credit card reward programs have been around.

You can read our blog, 'Cash back or points: Which type of corporate credit card rewards is best?',Our take: Go with straight cashback, and make sure you weigh it as part of a holistic evaluation framework to pick the right corporate credit card for your business.

Best corporate credit card for customer support

The short answer:

Rho wins out here. We offer world-class customer support 24/7, without charging you for it. In short, You never have to tweet at our CEO to get our customer support's attention.

Ramp reserves premium support for its paid tiers (verified 08/02/2026); Ramp Enterprise pricing requires a sales quote.

Brex offers live support 24/7 on every plan and reserves VIP support for Brex Enterprise users (verified 08/11/2026).

Best corporate credit card for businesses with lots of travel

This is debatable, but generally the most popular choices are to go with Brex, given its built-in travel management capabilities, or combine the power of Rho and Navan, which work together seamlessly.

Ramp Travel books flights and hotels directly in-platform through the Priceline network, with policy enforcement applied before booking (as of 08/02/2026).

Brex vs Ramp vs Rho: Expense management platform comparison guide

Here is what to compare.

Corporate credit card expense management software automates businesses' tasks to adequately pay for goods and services, track and control costs, and account for purchases during bookkeeping events like month-end close.

Businesses that either rely on manual workflows to manage expense reporting or a legacy software solution like SAP Concur can see significant time and, potentially, savings value moving to a more modern finance platform.

The key value propositions of doing so include:

• Potentially better credit terms than what you would receive from American Express, Capital One or other legacy providers.

• The ability to automate credit card transaction reconciliation involved in closing the books thanks to corporate cards being integrated with expense management in these platforms.

• Opportunity for cost savings and expense policy compliance improvements thanks to programmable spend controls, limits, and restrictions you can place on corporate cards.

• Treating expense reporting and budgeting as an ongoing, real-time practice vs relying on monthly expense reports.

• User experience improvements that encourage employees to submit receipts on time, eliminating extra administrative work that the finance team has to do every month.

• In the case of Rho, save thousands spent on SAP Concur fees.

Again, in general, all three platforms offer similar expense management capabilities that you won't get from merging American Express with an expense management point solution like SAP Concur or Expensify.

It's important to evaluate the three holistically depending on your needs.

However, here are some key distinctions worth nothing.

1. Cost

The pricing gate:

Ramp requires Ramp Plus ($15/user per month plus an undisclosed platform fee based on team size, as of 08/02/2026) or Ramp Enterprise to access advanced expense management controls and the accounting integrations that speed up reconciliation and the close.

Brex includes ERP integrations and expense policies on Essentials, and gates advanced policy controls, such as dynamic policy exceptions and automated audit rules, behind Premium and Enterprise (verified 08/11/2026).

Rho does not charge subscription or platform fees to access these capabilities, and Rho offers premium business banking and treasury management services built-in as your business needs them.

2. Customer Support

Again, Rho wins out here. We offer world-class customer support 24/7 without charging you for it.

To get premium, higher-touch support from Ramp, you must enroll in Ramp Plus. Brex includes live support 24/7 on every plan and reserves VIP support for Enterprise (verified 08/11/2026).

3. Travel management

Again, this is debatable, but generally the most popular choices are to go with Brex, given its built-in travel management capabilities, or combine the power of Rho and Navan, which work together seamlessly.

4. Integrations

Check this before you commit.

All three offer native integrations with Quick Books Online, Oracle Net Suite, and Sage Intaact, helping to support real-time transaction reconciliation and a streamlined month-end close.

Ramp and Brex do offer an integration with Xero. However, Rho's CSV export and custom attributes capability make it simple for Xero users to automate their reconciliation process.

However, Ramp charges for its advanced accounting integrations as part of Ramp Plus. Brex includes NetSuite and Sage Intacct on its free Essentials plan (verified 08/11/2026).

Ramp vs Brex vs Rho: Accounts payable automation comparison guide

Why this one matters:

AP automation software digitizes and automates the end-to-end accounts payable process, allowing businesses to capture, code, match, and approve accounts payable data using fewer manual tasks.

Businesses with high invoice management and bill payment volume can benefit from moving to a modern finance platform like Rho, Brex or Ramp.

The key value propositions of doing so include:

• In the case of Rho, not having to pay fees to pay vendor bills like you are required to do so using Bill.com.

• Managing high volume of vendor payments without necessarily needing a massive AP team thanks to invoice processing software that automates workflows.

• The ability to automate accounting related to vendor invoice management and processing, including updating the ledger and closing the books.

• Integrating invoice and non-invoice spend (e.g. travel and expense) as part of a holistic view of spend management thanks to these platform's integrated AP and expense management capabilities.

• In the case of Rho, the ability to reduce payment delays some see with Bill.com and Ramp Bill Pay due to a lack of integrated business banking. Rho integrates banking with AP, speeding up payments and reducing risk of delays that upset vendors.

In general, all three offerings provide a value add when compared to legacy solutions like Bill.com or Avid Xchange, but there are some important distinctions.

1. Cost

Rho does not charge platform fees for AP automation capabilities, but Ramp and Brex do.

For example, Ramp and Brex include access to PO management in their paid premium plans.

2. Payment float

Ramp does have a unique capability in Ramp Flex, where Ramp pays your vendors when requested and you can repay them over a certain payment period.

The financing is based on the customer's current cash balances, revenue and commerce data, and credit bureau information. However, there are fees associated with the service and they may change from one invoice to the next.

Ramp vs Brex vs Rho: International and multi-currency support comparison guide

For finance teams with cross-border spend, the differences between Ramp, Brex, and Rho go well beyond rewards rates.

Foreign exchange costs, multi-currency support, and international wire infrastructure vary meaningfully across all three platforms, and picking the wrong one can quietly drain budget on every overseas purchase.

Brex: broad global coverage, with an FX markup to watch

Watch this part closely.

Brex has invested heavily in international infrastructure.

It is available in 200+ countries and territories, issues physical and virtual cards in 30+ currencies across 60+ countries, and supports budgets and spend limits in over 100 currencies. There is no separate foreign transaction fee.

However, Brex's own documentation notes that when you transact in a currency different from your billing currency, it applies an FX rate markup of up to 3% on top of the wholesale rate.

Locally issued cards in the local currency are what actually remove the conversion event, and for companies with significant international headcount or supplier bases, that local-issuance capability is a real advantage.

Ramp: a conversion markup of up to 3% on card spend

Ramp's help documentation states that international card transactions clearing in a non-settlement currency undergo a currency conversion determined by Visa plus a markup not exceeding 3%.

There is no separate per-transaction foreign transaction fee on card purchases.

Ramp also supports international bill payments, with a flat $20 fee for SWIFT USD payments and foreign-currency payments in roughly 50 currencies.

Ramp and Brex therefore land in a similar place on card-level FX cost, since both can reach up to 3%, and the practical difference comes down to whether you can issue cards locally.

Rho: a 1% foreign currency conversion fee with an integrated banking layer

Rho charges a 1% foreign currency conversion fee, disclosed upfront.

International and foreign currency payment services are provided by Wise US Inc. International wires in USD can be subject to additional fees set by recipient, correspondent, or intermediary banks, and there is an optional $15 SWIFT fee.

Rho also pairs card spend with business banking, treasury, and bill pay in a single place, so international vendor payments, ACH, and wires all run through the same dashboard your team already uses for domestic spend.

Fee schedules for all three platforms were collected as of August 11, 2026 and are subject to change or update.

How Ramp, Brex, and Rho use AI to automate your finance workflows

Here is the quick read.

Automation is now a primary battleground for Ramp, Brex, and Rho, and each platform takes a different angle.

Understanding what each vendor's AI actually does, and what still requires a human, helps finance teams set realistic expectations before they commit.

Ramp: AI as a cost-reduction engine

Ramp markets its automation as “AI built for finance,” with Ramp agents and Ramp Intelligence as the named products. Its AI tooling focuses on surfacing savings opportunities, flagging duplicate vendor contracts, and automating approval routing.

For companies whose primary goal is reducing spend, Ramp's cost-saving insights and vendor negotiation tools are more developed than comparable features at Rho.

Brex: AI-driven compliance

Brex leans into compliance automation, publishing a 99% compliance figure that it attributes specifically to a cohort of its top customers who follow its recommended best practices, rather than to its customer base as a whole.

Its AI handles policy enforcement, receipt matching, and spend categorization, positioning aimed at finance leaders managing high transaction volumes across many cardholders.

Rho: Rho Close and automated receipt capture

What that looks like day to day:

Rho's automation is built around closing the books faster. Rho Close surfaces transaction coding suggestions based on prior behavior, cutting manual categorization during month-end, and a person reviews and approves before anything syncs.

The Gmail Connector, currently in beta, scans connected inboxes and matches receipts to transactions with no forwarding rules required.

These features are included in the platform at no additional cost, keeping Rho as the single source of truth for finance operations rather than a bolt-on layer on top of a separate banking stack.

Wrap-up: Ramp vs Brex vs Rho

Here is where that leaves you.

Are you considering a modern finance platform for your business? If so, we hope you found this guide helpful.

We would also love the opportunity to answer any questions you may have about Rho and how we can boost your company's profitability, either compared to Brex or Ramp, or potentially as a complement.

Rho is a powerful finance platform you can use to consolidate all your financial tools in one place, backed by world-class customer support, all without platform fees. If:

• End-to-end functionality to manage AP and to forecast cash flows linked with vendor management software capabilities.

• Ability to invest excess cash in government securities, plus Morgan Stanley and Vanguard mutual fund options, with 2-3 business day liquidity on U.S. Treasuries

• A scalable platform that grows as you grow

All wrapped up in unbeatable pricing and customer support available 24/7 sounds nice to you,then you should consider Rho.

Schedule time with a Rho payments expert today!