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

Corporate cards for enterprise buyers

Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of an enterprise B2B company. 41 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Ramp
Clear leader
51% 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 leaderStanding →EnterpriseRamp51%Clear leaderThis page

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Ramp51%7%58endorsed leader
02Brex15%13%54accepted challenger
03BILL Spend & Expense5%6%32accepted challenger
04J.P. Morgan Commercial Cards5%0%11accepted challenger
05American Express5%21%14accepted challenger
06Airwallex2%0%21accepted challenger
07Rippling Spend2%5%22accepted challenger
08Rho2%20%10accepted challenger
Show the two products at 0%, ordered by negative rate
10American Express Corporate Card0%35%17criticized challenger
09Navan0%12%16accepted 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

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01Ramp51%
02Brex15%
03BILL Spend & Expense5%
04J.P. Morgan Commercial Cards5%
05American Express5%
06Airwallex2%
07Rippling Spend2%
08Rho2%
09Navan0%
10American Express Corporate Card0%

02What they warned about

Two of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, GLM 4.7 FlashX 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
13%
7 of 54 labels negative · 6 of 12 models · 2 hard negative
“Fintech Cards Geared Toward Startups/SMBs (e.g., Brex)...When to avoid: If you're beyond startup phase with thousands of employees/cards” Grok 4.1 Fast, negative prompt
American Express Corporate Card
35%
6 of 17 labels negative · 4 of 12 models
“The Drawback: It largely relies on a "post-spend" model... policy violations are audited retrospectively rather than stopped at the point of sale.” Gemini 3.5 Flash, paraphrase prompt
American Express
21%
3 of 14 labels negative · 3 of 12 models · 1 hard negative
“should scrutinize Amex specifically for high fees, rigid terms, and poor service” DeepSeek V4 Flash, negative prompt
Ramp
7%
4 of 58 labels negative · 3 of 12 models
“Ramp and Brex underwrite off connected bank balances: $25,000 and $50,000 respectively, and dropping below either threshold can trigger an immediate spending lockout.” Claude Haiku 4.5, 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

65 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. 1028 links across 233 sites, every framing counted. Ranked by the number of answers carrying the site or page.

rippling.com
vendor site · Rippling45 answers · 70 citations · 10 models
airwallex.com
vendor site · Airwallex36 answers · 53 citations · 9 models
nerdwallet.com
33 answers · 43 citations · 10 models
navan.com
vendor site · Navan30 answers · 46 citations · 10 models
forbes.com
29 answers · 38 citations · 10 models
ramp.com
vendor site · Ramp25 answers · 49 citations · 9 models
corpay.com
vendor site · Corpay25 answers · 37 citations · 10 models
bill.com
vendor site · BILL24 answers · 29 citations · 10 models
brex.com
vendor site · Brex21 answers · 37 citations · 7 models
aspireapp.com
18 answers · 18 citations · 7 models
americanexpress.com
vendor site · American Express17 answers · 42 citations · 8 models
merchantmaverick.com
15 answers · 15 citations · 9 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.

airwallex.com/en-us/blog/compare-corporate-business-cards
35 answers · 9 models
rippling.com/blog/best-commercial-credit-cards-business
27 answers · 9 models
forbes.com/advisor/credit-cards/best-corporate-credit-cards
26 answers · 10 models
navan.com/blog/best-corporate-credit-cards
24 answers · 10 models
nerdwallet.com/business/credit-cards/best/corporate
24 answers · 9 models
bill.com/blog/best-corporate-credit-cards
22 answers · 9 models
aspireapp.com/us/blog/best-corporate-cards
17 answers · 7 models
merchantmaverick.com/the-best-corporate-credit-cards
14 answers · 9 models
techrepublic.com/article/best-corporate-cards
14 answers · 7 models
rippling.com/blog/corporate-card-program
13 answers · 9 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 an enterprise B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade corporate card programs and how do they differ?”Budget-constrained“What is the best corporate card program for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5no first choice
Four alternativesAirwallex, American Express, Brex, Ramp
Brex, RampChanged
Two alternativesAirwallex, BILL Spend & Expense
no first choiceRamp
Three alternativesAirwallex, BILL Spend & Expense, U.S. Bank Commercial Rewards Card
no first choiceagainst: American Express, BILL Spend & Expense, Brex, Ramp
GPT-5.4 miniAmerican Express Corporate Card Program + American Express @ Work, J.P. Morgan Commercial Cards + PaymentNetJ.P. Morgan Commercial CardsChanged
One alternativeAmerican Express Corporate Card
no first choice
Five alternativesAirbase, American Express Corporate Card / Corporate Purchasing Card, Brex, J.P. Morgan Commercial Cards, Ramp
Ramp
One alternativeAirbase
no first choiceagainst: Brex
Gemini 3.5 FlashRamp
Three alternativesAirbase, Brex, Navan
against: American Express Corporate CardBrexChanged
Three alternativesNavan, Ramp, Rippling Spend
against: American Express Corporate Card, SAP ConcurBrex, Ramp
Four alternativesAirbase, American Express, Navan, Rippling Spend
BILL Spend & Expense
Four alternativesBrex, Capital One, J.P. Morgan, Ramp
Ramp
Three alternativesAirbase, Brex, Navan
against: American Express Corporate Card, J.P. Morganagainst: Mercury, Rho
Perplexity SonarRamp
Four alternativesBrex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Rippling Spend
Rippling SpendChanged
Two alternativesBrex, Ramp
no first choiceRamp
Five alternativesAirwallex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Rippling Spend, U.S. Bank purchasing-card programs
no first choicenothing named
Grok 4.1 FastAmerican Express, J.P. Morgan
Three alternativesBILL Spend & Expense, Brex, Ramp
RampChanged
Two alternativesBrex, Rippling Spend
against: American Express Corporate Card, BILL Spend & Expense, Citi/Capital One Corporateno first choice
Five alternativesAmerican Express Corporate Card, Brex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Ramp
against: Airbase, Navan, Paylocity, Rho, Rippling SpendBILL Spend & Expense
Five alternativesAirwallex, Amex Corporate Platinum, Citi, J.P. Morgan, Rho
against: Brex, RampBrex, Ramp
One alternativeAirbase
against: American Express, Bank of America, Brex, HDFC/ICICI/Axis
Mistral SmallBrex, Ramp
One alternativeAirwallex
RampChanged
Two alternativesBILL Spend & Expense, Rippling Spend
Brex
Six alternativesAirwallex, American Express Corporate Card, BILL Spend & Expense, Ramp, Rho, Rippling Spend
Airwallex, Ramp
Three alternativesBILL Spend & Expense, Brex, Rho
no first choicenothing named
DeepSeek V4 FlashJ.P. Morgan Commercial Cards
Five alternativesAmerican Express, Brex, Citi Commercial Cards, Corpay, Ramp
RampChanged
Three alternativesAmerican Express Corporate Card, Brex, Citi Commercial Cards
no first choice
Seven alternativesAmerican Express Global Commercial Pay, Brex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Navan, Ramp, Rippling Spend
Ramp
One alternativeBrex
against: American Express Corporate Cardno first choiceagainst: American Express, Brex, Chase, Commonwealth Bank
Llama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashAmerican Express, Ramp
Four alternativesBILL Spend & Expense, Brex, Chase, Citi
RampChanged
Three alternativesBrex, J.P. Morgan, Rippling Spend
Ramp
Three alternativesBILL Spend & Expense, Brex, Navan
against: American Express Corporate Card, SAP ConcurCiti
Three alternativesAmerican Express, BILL Spend & Expense, Stripe Issuing
no first choicenothing named
Kimi K2Ramp
Four alternativesAmex Corporate Platinum, Brex, Navan, SAP Concur
RampHeld
Three alternativesAmerican Express Corporate Card, Brex, Navan
no first choice
Seven alternativesAmerican Express Corporate Card, Brex, Navan, Ramp, Rippling Spend, SAP Concur, Stripe Corporate Card
Capital One Business Cards
Two alternativesAmerican Express Corporate Card, Ramp
against: Brex, Navanno first choicenothing named
GLM 4.7 FlashXRamp
Five alternativesAirwallex, Amex Corporate Platinum, BILL Spend & Expense, Brex, J.P. Morgan Commercial Cards
BrexChanged
Two alternativesAirwallex, Ramp
Airwallex
Four alternativesBILL Spend & Expense, Brex, Navan, Ramp
Ramp
Two alternativesAmerican Express, Brex
no first choiceagainst: Corpay
MiniMax M2.5Ramp
Five alternativesBILL Spend & Expense, Brex, Corpay, Payhawk, Rippling Spend
against: American Express Business PlatinumBrexChanged
One alternativeRamp
against: American Express Business Platinum, Capital One Spark Milesno first choiceRho
Two alternativesAirwallex, BILL Spend & Expense
against: Emburse, Rampno first choiceagainst: Atlantica, Barclays, Brex, Capital One, Credit One, GE, Indigo Card, Luxury Card, Mission Lane, OpenSky, Petal, Premier Bank, Ramp, SAP Concur, SunTrust, TD Bank
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 19:55yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:33yes46 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:22yes2230 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:22yes196 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:54yes2919 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 18:58yes1110 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:12yes2121 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:58yes54 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:51no030 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:54yes1531 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:19yes1431 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:12yes1674 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:12yes98 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:49yes26 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:59yes1323 s
ParaphrasePerplexity Sonarsonar2026-09-17 20:03yes206 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:34yes3319 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 21:19yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 19:54yes30108 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:18yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:44yes1054 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:03yes2737 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:07yes24201 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:05no044 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:46yes1510 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:27yes39 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:55yes1862 s
ComparativePerplexity Sonarsonar2026-09-17 21:07yes2012 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:01yes3419 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 20:12yes711 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:51yes2950 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:38yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:53yes2051 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:56yes2952 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:43yes2556 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:13yes1522 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:34yes149 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:11yes36 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:40yes2329 s
Budget constrainedPerplexity Sonarsonar2026-09-17 18:52yes188 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:49yes4823 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:18yes1412 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:49yes2835 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:09yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:58no026 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:29yes2445 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:51yes21183 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:27yes1977 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:56yes2816 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:11no09 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 20:14yes527 s
Scale constrainedPerplexity Sonarsonar2026-09-17 20:40yes169 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:13yes1415 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:49no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:23yes3032 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:36yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:18no030 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:41yes1963 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:09yes1547 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:01yes2237 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:58yes189 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:01yes58 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:57yes1854 s
Negative framingPerplexity Sonarsonar2026-09-17 18:35yes2010 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:51yes2214 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 18:48yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:42yes2726 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:48yes54 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:37no030 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:36yes2934 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:28yes2198 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 21:10yes2389 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
BILL read as BILL Spend & Expense
BILL (formerly Divvy) read as BILL Spend & Expense
Citi Commercial read as Citi Commercial Cards
Divvy read as BILL Spend & Expense
Divvy (BILL) read as BILL Spend & Expense
Divvy (Bill.com) read as BILL Spend & Expense
Divvy (by BILL) read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
Divvy (now BILL Divvy) read as BILL Spend & Expense
J.P. Morgan Chase read as J.P. Morgan
JPMorgan read as J.P. Morgan
JPMorgan Chase read as J.P. Morgan
Rippling read as Rippling Spend
Unresolved, counted raw
American Express Corporate Card / Corporate Purchasing Card
American Express Corporate Card Program + American Express @ Work
American Express Global Commercial Pay (Amex)
American Express Global Corporate Payments
Capital One Venture X Business
Citi/Capital One Corporate
Commonwealth Bank
Float Corporate Card
GE (now Synchrony‑run)
HDFC/ICICI/Axis
J.P. Morgan Commercial Cards + PaymentNet
Stripe Corporate Card
Stripe Issuing
SunTrust (now Truist)
U.S. Bank Commercial Cards
U.S. Bank purchasing-card programs
Visa Business 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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