Finance AI Index
September 2026 Edition · The permanent record of this edition. The unqualified address always carries the latest edition.
Index › Spend and procurement › September 2026 Edition

Corporate cards

Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of a mid-market B2B company. 42 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Ramp
Clear leader
69% of first choices, clear leader.
ShowinginAll 41 categories in the September 2026 Edition →

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small businessRamp74%Clear leaderStanding →Mid-marketRamp69%Clear leaderThis pageEnterpriseRamp51%Clear leaderStanding →

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Ramp69%5%55endorsed leader
02BILL Spend & Expense12%3%38accepted challenger
03Brex5%21%43accepted challenger
04Airbase5%0%19accepted challenger
05Rippling Spend2%0%16accepted challenger
06American Express Corporate Card2%13%15accepted challenger
Show the three products at 0%, ordered by negative rate
09American Express0%25%12criticized challenger
07Airwallex0%0%17accepted challenger
08Rho0%0%10accepted challenger
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
Head to head
Ramp vs BILL Spend & ExpenseRamp vs BrexBILL Spend & Expense vs Brex

One product takes 69% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. One product carries a negative rate above 25% in this category. Jump to the standing

02What they warned about

Eight of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Mistral Small and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Brex
21%
9 of 43 labels negative · 6 of 12 models · 1 hard negative
“it is **not recommended for limited-budget companies** unless you are venture-backed” Gemini 3.5 Flash, budget prompt
Bank of America
75%
3 of 4 labels negative · 3 of 12 models · 2 hard negative
“"Absolutely the worst corporate card. I may quit this job so I can get a different corporate card" (Bank of America)” Kimi K2, negative prompt
Ramp
5%
3 of 55 labels negative · 3 of 12 models
“Ramp requires a $25,000 minimum ... Be cautious of programs with high minimum balance requirements if they don't fit your company size.” Claude Haiku 4.5, negative prompt
Citi
40%
2 of 5 labels negative · 2 of 12 models · 2 hard negative
“High complaint volumes (CFPB data) on fees, servicing, and support. Avoid if your business needs strong integrations or global use” Grok 4.1 Fast, negative prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

61 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 821 links across 186 sites, every framing counted. Ranked by the number of answers carrying the site or page.

nerdwallet.com
35 answers · 64 citations · 10 models
rippling.com
vendor site · Rippling33 answers · 56 citations · 9 models
forbes.com
27 answers · 37 citations · 9 models
ramp.com
vendor site · Ramp24 answers · 49 citations · 8 models
airwallex.com
vendor site · Airwallex21 answers · 28 citations · 11 models
navan.com
vendor site · Navan20 answers · 26 citations · 10 models
techrepublic.com
17 answers · 17 citations · 8 models
americanexpress.com
vendor site · American Express14 answers · 27 citations · 7 models
brex.com
vendor site · Brex14 answers · 24 citations · 6 models
corpay.com
vendor site · Corpay14 answers · 20 citations · 8 models
cnbc.com
14 answers · 15 citations · 8 models
wise.com
14 answers · 14 citations · 7 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

nerdwallet.com/business/credit-cards/best/corporate
29 answers · 10 models
forbes.com/advisor/credit-cards/best-corporate-credit-cards
24 answers · 9 models
airwallex.com/en-us/blog/compare-corporate-business-cards
20 answers · 10 models
navan.com/blog/best-corporate-credit-cards
20 answers · 10 models
techrepublic.com/article/best-corporate-cards
17 answers · 8 models
rippling.com/blog/best-commercial-credit-cards-business
15 answers · 6 models
rippling.com/blog/best-business-credit-cards
14 answers · 8 models
cnbc.com/select/best-corporate-credit-cards
13 answers · 8 models
wise.com/us/blog/best-corporate-credit-card-programs
13 answers · 7 models
work-management.org/accounting/best-corporate-cards
11 answers · 8 models

04How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ModelDirect“What is the best corporate card program for a mid-market B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a mid-sized B2B company?”Comparative“What are the top corporate card programs and how do they differ?”Budget-constrained“What is the best corporate card program for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should I avoid or be cautious about?”
Claude Haiku 4.5Ramp
Four alternativesAirbase, American Express Corporate Card, Paylocity for Finance, Spendesk
no first choiceChangedno first choice
One alternativeAirwallex
no first choiceno first choiceagainst: Brex, Citi, Ramp, Wells Fargo
GPT-5.4 miniRamp
Three alternativesAirwallex, American Express Corporate Card, BILL Spend & Expense
against: BrexAmerican Express Corporate CardChanged
Three alternativesAmerican Express Corporate Purchasing Card, Chase business cards, Ramp
American Express Corporate Card
Six alternativesAirbase, BILL Spend & Expense, Brex, Mastercard Corporate Card / Purchasing Card, Ramp, Visa Corporate Credit Card
BILL Spend & Expense, Ramp
One alternativeAirbase
against: Brex, Traditional bank corporate cardsno first choicenothing named
Gemini 3.5 FlashRamp
Three alternativesAirbase, Brex, Corpay
RampHeld
Two alternativesBILL Spend & Expense, Rippling Spend
against: American Express, Brex, ChaseRamp
Five alternativesAirwallex, American Express Corporate Card, Brex, Rho, Rippling Spend
Ramp
Three alternativesAirwallex, BILL Spend & Expense, Chase Ink Business Unlimited
against: Brexno first choice
Six alternativesAmerican Express, Brex, Chase, J.P. Morgan, Ramp, Rippling Spend
against: American Express, Brex, Capital One, Chase
Perplexity SonarRamp
Two alternativesAirbase, Corpay
RampHeld
Two alternativesCapital One Commercial, Rippling Spend
no first choiceU.S. Bank Triple Cash Rewards Visa® Business Card
Three alternativesAirwallex, Chase Ink Business Unlimited, Ramp
no first choicenothing named
Grok 4.1 FastRamp
Two alternativesBILL Spend & Expense, Brex
against: Amex Corporate Platinum, U.S. BankRampHeld
Three alternativesBILL Spend & Expense, Brex, Rippling Spend
no first choiceagainst: American Express Corporate CardBILL Spend & Expense
Two alternativesCapital One Spark 1% Classic, Rho
against: Amex Corporate Platinum, Brex, RampBrex, Ramp
Four alternativesCiti, J.P. Morgan, Rho, Rippling Spend
against: American Express Corporate Card, Bank of America, Capital One Business/Corporate Cards, Citi, CorTrust Bank Visa Business Card, Reap, Synchrony
Mistral SmallAirbase, Ramp
Two alternativesSpendesk and Paylocity for Finance, U.S. Bank Commercial Rewards Card
against: CoupaBrex, RampChanged
Two alternativesAirbase, BILL Spend & Expense
Ramp
Six alternativesAirwallex, American Express (Amex) Corporate Platinum & Gold, BILL Spend & Expense, Brex, Rho, Rippling Spend
BILL Spend & Expense
One alternativeAirwallex
no first choicenothing named
DeepSeek V4 FlashRamp
Two alternativesAirbase, BILL Spend & Expense
against: BrexRampHeld
One alternativeBILL Spend & Expense
against: American Express Blue Business PlusBrex, Ramp
Six alternativesAirwallex, American Express Corporate Card, BILL Spend & Expense, Navan, Payhawk, Rippling Spend
Ramp
Four alternativesAmerican Express Blue Business Plus, BILL Spend & Expense, Capital One Spark 1% Classic, Chase Ink Business Unlimited
against: Pleono first choiceagainst: BILL Spend & Expense, CorTrust Bank Visa Business Credit Card, Ramp
Llama 4 MaverickRamp
Two alternativesAirbase, U.S. Bank Commercial Rewards Card
RampHeld
Three alternativesAirbase, BILL Spend & Expense, Brex
no first choiceBILL Spend & Expense
One alternativeAirwallex
no first choicenothing named
Qwen 3.7 FlashRamp
Two alternativesAirbase, Brex
RampHeld
One alternativeBrex
against: Chase Ink Business PreferredBrex, Ramp
Three alternativesAmerican Express, BILL Spend & Expense, Chase Ink
Ramp
Three alternativesBILL Spend & Expense, Capital One Spark, Lili Business Credit Card
against: Bank of America, Chaseno first choiceagainst: Expensify, SAP Concuragainst: Amalgated Bank Maximum Rewards World Mastercard, Ariba, CCT, CorTrust Bank Visa Business Card, First PREMIER Bank Mastercard, Indigo Platinum® Secured Card, Mastercard® Gold Card
Kimi K2Ramp
Three alternativesAirbase, Brex, Corpay
RampHeld
Three alternativesAirbase, BILL Spend & Expense, Brex
Ramp
Six alternativesAmerican Express Corporate Card, BILL Spend & Expense, Brex, Chase Ink, Rho, Rippling Spend
BILL Spend & Expense, Ramp
Two alternativesBrex, Mercury IO Card
no first choiceagainst: Bank of America, Brex, Corpay, First PREMIER Bank Mastercard, Mastercard® Gold Card, Mercury
GLM 4.7 FlashXRamp
Four alternativesAirbase, Brex, Navan, U.S. Bank Commercial Rewards Card
RampHeld
Three alternativesAmerican Express Business Gold, Brex, Capital One Commercial
no first choiceRamp, Rippling Spend
Two alternativesBILL Spend & Expense, Chase Ink Business Unlimited
no first choiceagainst: American Express, Capital One Spark, Chase Ink
MiniMax M2.5Airbase, Corpay
Three alternativesBILL Spend & Expense, Brex, Ramp
RampChanged
Two alternativesBILL Spend & Expense, Rippling Spend
Ramp
Seven alternativesAirwallex, American Express Corporate Card, BILL Spend & Expense, Brex, Chase Ink Business Preferred, Rho, Rippling Spend
Ramp
Three alternativesAirbase, BILL Spend & Expense, Brex
no first choiceagainst: Corpay
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:31yes99 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:57yes36 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:54yes1728 s
Direct recommendationPerplexity Sonarsonar2026-09-17 20:51yes208 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:57yes3318 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 19:02yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 19:40yes2672 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:38yes53 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:20yes537 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:51yes1334 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:22yes3045 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:20yes517 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:13no02 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:08yes45 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 20:10yes1524 s
ParaphrasePerplexity Sonarsonar2026-09-17 19:51yes206 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:16yes3316 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 19:08yes56 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 19:17yes2847 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:56yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:47no032 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:31yes1929 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:33yes2888 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:15yes1035 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:20yes910 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:02yes49 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:54yes1955 s
ComparativePerplexity Sonarsonar2026-09-17 18:53yes209 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:38yes2715 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 18:07yes69 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 19:45yes28107 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:38yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:15no031 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 21:07yes1023 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:18yes3237 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:51yes517 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:12no05 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:25no04 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:20yes2551 s
Budget constrainedPerplexity Sonarsonar2026-09-17 19:05yes204 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:16yes2917 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:54yes54 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:35yes1011 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:02yes53 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:55no027 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:50yes1426 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 21:04yes1419 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:12yes516 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:47no07 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:25no06 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:09yes1224 s
Scale constrainedPerplexity Sonarsonar2026-09-17 18:24yes207 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:38yes1411 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:30no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:28yes1018 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:02yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:00no033 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:01yes1019 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:23yes1527 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:55no014 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:34yes189 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:35yes47 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:20yes1946 s
Negative framingPerplexity Sonarsonar2026-09-17 18:20yes205 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:10yes4318 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 20:40yes54 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:32yes3024 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:54yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:52yes843 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:11yes3034 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:31yes20127 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:17yes1021 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

Category-scoped readings
American Express Corporate read as American Express Corporate Card
Capital One Spark Classic read as Capital One Spark 1% Classic
Citibank read as Citi
Divvy read as BILL Spend & Expense
Divvy (BILL) read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
Divvy (by Fiserv) read as BILL Spend & Expense
Divvy (now BILL) read as BILL Spend & Expense
JPMorgan read as J.P. Morgan
Rippling read as Rippling Spend
U.S. Bank Commercial Rewards read as U.S. Bank Commercial Rewards Card
Unresolved, counted raw
Amalgated Bank Maximum Rewards World Mastercard
American Express (Amex) Corporate Platinum & Gold
CCT
Capital One Business/Corporate Cards
Chase business cards
Indigo Platinum® Secured Card
Lili Business Credit Card
Mastercard
Mastercard Corporate Card / Purchasing Card
Mercury IO Card
Paylocity for Finance
Reap
Slash
Spendesk and Paylocity for Finance
Traditional bank corporate cards
Visa
Visa Corporate Credit Card
Discontinued, still offered
No shut-down product was recommended here.

Also in spend and procurement

The other categories of this function, with the leader in each.
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