Ramp vs Brex: Which Is The Top Pick in 2025?

Many businesses look to Ramp and Brex for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare, helping you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Ramp Overview

Ramp operates in the spend management, corporate cards, and accounts payable solutions category. Its main value proposition is to save time and money for businesses by offering a unified platform that simplifies financial operations. Ramp primarily serves startups, small businesses, mid-market companies, and enterprises, aiming to streamline their financial processes.

Ramp Features

Some of the key features of Ramp include:

• Corporate Cards: Provides control over spending before it happens, with unlimited physical and virtual cards.
• Expense Management: Automates expense submissions, ensuring compliance with company policies.
• Accounts Payable: Processes bills quickly, with features like invoice extraction and batch payments.
• Real-Time Reporting: Offers real-time insights into business expenses, helping to track and manage spending.

Ramp Pricing

Ramp offers a tiered pricing structure to cater to different business needs.

• Free Plan: $0/mo/user - Includes unlimited cards, expense policy enforcement, and basic accounting integrations.
• Plus Plan: $15/mo/user + Platform fee - Adds advanced approval workflows, batch payments, and multi-entity support.
• Enterprise Plan: Custom pricing - Offers full customization, direct ERP integrations, and custom development.

The prices for each tier are not publicly listed.

Drawbacks To Ramp

General user reviews of Ramp highlight its efficiency and user-friendly interface, though some users have noted issues with specific features.

• "Ramp saves us so much time. No more expense reports & that our team members can get paid directly for reimbursements." - Mark P.
• "We switched from Bill.com and there are a few things I love about Ramp, but the approval process can be cumbersome." - Molli G.

For more details, visit the Ramp Reviews on G2.

Brex Overview

Brex operates as a financial technology platform, offering modern finance software solutions. Its main value proposition is to help businesses "make every dollar count" by providing tools for smarter spending. Brex primarily serves startups, mid-size companies, and enterprises, aiming to streamline their financial operations across various sectors.

Brex Features

Some of the key features of Brex include:

• Corporate Cards: Issue local currency cards with custom limits, embedded policies, and cash back.
• Expense Management: Manage every type of spend and payment method, automate expense reporting globally.
• Travel Management: Book and manage travel with unbiased inventory and 24/7 agent support.
• Bill Pay: Automate the entire global accounts payable process, from invoice to payment to reconciliation.

Brex Pricing

Brex offers a tiered pricing structure to accommodate various business needs.

• Essentials: $0 per user/month - Global card acceptance, AI-powered custom rules, up to two entities.
• Premium: $12 per user/month - Advanced approvals, multi-entity support, customizable ERP integrations.
• Enterprise: Custom pricing - Unlimited entities, local card issuance, named account manager.

Drawbacks To Brex

Overall, Brex is highly regarded for its user-friendly platform and comprehensive features, though some users have noted minor integration issues.

• "No manager level access. Only user and Admin. There is also a bookkeeper access. Generally only issues Mastercard. You can get a Visa but you have to ask for it." - Bobby H.
• "We've had some integration issues with Sage which has caused us to do some manual work instead of being able to upload transactions directly into Sage." - Amanda H.

For more details, visit the Brex Reviews on G2.

What to Know Before Picking Ramp or Brex

Looking at the reviews as a whole, businesses using Ramp often face integration challenges, particularly with less popular ERP systems. Additionally, some users report delays in card issuance and difficulties with the initial setup and learning curve.

For Brex, common issues include integration problems with software like Sage and long holds on deposited checks. Users also mention that the platform's complexity due to new functionalities can be a hurdle, along with the lack of physical checks.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Ramp and Brex, such as integration issues and complex setups. Our platform is designed to simplify financial management, offering seamless integrations and user-friendly features. We aim to provide a more efficient and hassle-free experience for your financial operations.

Rho Features

• Rho Platinum: We offer up to 2% cashback¹ on all transactions, providing a significant financial incentive that helps businesses maximize their returns on everyday spending.
• Expense Management: Our platform eliminates the need for traditional expense reports by capturing every receipt automatically, saving time and reducing administrative burdens for finance teams.
• AP Automation: With Rho, you can pay hundreds of vendors in minutes without incurring any platform fees, streamlining your accounts payable process and improving cash flow management.
• Rho Treasury: We safeguard your idle cash and offer dynamic yield rates, ensuring that your funds are always working to generate the best possible returns.
• Integrations: Our direct integration with accounting, HR, and T&E software reduces manual data entry and enhances workflow efficiency, making it easier to manage your financial operations.
• Private Banking Support: Available 24/7, our dedicated support team ensures you have access to assistance whenever you need it, providing peace of mind and reliable service.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from competitors like Ramp and Brex. Our pricing is simple, with many essential services available at no cost, making it easier for businesses to manage their finances without worrying about hidden fees.

• $0 Same-Day ACH fees: No fees for same-day ACH transactions.
• $0 Wire fees: No fees for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing our services.
• $0 Support fees: Free live support from Day 1 without any additional charges.
• $0 Subscription fees: No subscription fees for using our platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

• "Rho is easy to use and has great customer support." - Sean F., Chief Financial Officer, Mid-Market
• "The company implementation of Rho was easy and took less than 2 hours." - Tyler M., Chief Financial Officer, Small-Business
• "We sync with QuickBooks Online seamlessly, which has saved the finance department 60 hours per month." - Kevin K., Director of Marketing and Analytics, Mid-Market

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Choosing between Ramp, Brex, and Rho depends on your business needs. Ramp excels in spend management and real-time reporting, while Brex offers robust travel management and global card acceptance. However, both have integration and complexity issues.

This is where Rho comes in. We provide seamless integrations, eliminating manual data entry, and offer up to 2% cashback¹ on all transactions. Our transparent pricing with no hidden fees ensures you get the best value without unexpected costs.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can streamline your financial operations. Get started with Rho today.