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Corporate cards · September 2026 Edition
BILL Spend & Expense vs American Express Corporate Card
Zero of twelve models named BILL Spend & Expense first on the direct prompt; zero named American Express Corporate Card. BILL Spend & Expense was named by twelve of the twelve models and American Express Corporate Card by nine and BILL Spend & Expense carries 38 labels and American Express Corporate Card 15, so the shares are not directly comparable.
Named in five categories this edition.
Named in one category this edition.
First-choice share12%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate3%13%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#6A position in a field of 9; printed, not drawn.
Labels3815A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, BILL Spend & Expense reading right to left. Rank and label count are printed, not drawn.Ramp was named alongside these two in twelve of the twelve direct answers. Ramp vs BILL Spend & Expense · Ramp vs American Express Corporate Card · BILL Spend & Expense vs Brex
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the corporate cards page.
By framing
How many of the twelve models made each the first choice, per way of asking, and how many argued against it.
BILL Spend & ExpenseFirst choices, of twelve modelsAmerican Express Corporate Card
Direct00
Paraphrase01
Comparative011 against American Express Corporate Card
Budget-constrained50
Scale-constrained00
Negative001 against BILL Spend & Expense · 1 against American Express Corporate Card
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.
Every model, every framing
The seventy-two answers behind the chart above, one cell each: where BILL Spend & Expense and American Express Corporate Card stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | | | | ||
| Gemini 3.5 Flash | | | | | ||
| Perplexity Sonar | ||||||
| Grok 4.1 Fast | | | | | | |
| Mistral Small | | | | |||
| DeepSeek V4 Flash | | | | | | |
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | | | ||||
| Kimi K2 | | | | |||
| GLM 4.7 FlashX | | |||||
| MiniMax M2.5 | | | | |
BILL Spend & Expense American Express Corporate Card first choice named as an alternative argued againstblank: not namedEach cell is one answer, BILL Spend & Expense on the left and American Express Corporate Card on the right.The direct prompt
The plain question, one answer per model, grouped by where BILL Spend & Expense and American Express Corporate Card stood in it.
Neither was the first choice, one was named
5 of 12 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5Ramp alternatives: Airbase, American Express Corporate Card, Paylocity for Finance, Spendesk
GPT-5.4 miniRamp alternatives: Airwallex, American Express Corporate Card, BILL Spend & Expense
Grok 4.1 FastRamp alternatives: BILL Spend & Expense, Brex
DeepSeek V4 FlashRamp alternatives: Airbase, BILL Spend & Expense
MiniMax M2.5Airbase, Corpay alternatives: BILL Spend & Expense, Brex, Ramp
Neither was named
7 of 12 modelsThe answer made no first choice from these two in this category.Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Corpay
Perplexity SonarRamp alternatives: Airbase, Corpay
Mistral SmallAirbase, Ramp alternatives: Spendesk and Paylocity for Finance, U.S. Bank Commercial Rewards Card
Llama 4 MaverickRamp alternatives: Airbase, U.S. Bank Commercial Rewards Card
Qwen 3.7 FlashRamp alternatives: Airbase, Brex
Kimi K2Ramp alternatives: Airbase, Brex, Corpay
GLM 4.7 FlashXRamp alternatives: Airbase, Brex, Navan, U.S. Bank Commercial Rewards Card
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
BILL Spend & Expense leads by seven points.
BILL Spend & Expense7%#2 of 6American Express Corporate Card0%#– of 6Mid-marketThe figures above
BILL Spend & Expense leads by ten points.
BILL Spend & Expense12%#2 of 9American Express Corporate Card2%#6 of 9Enterprise
BILL Spend & Expense leads by five points.
BILL Spend & Expense5%#3 of 10American Express Corporate Card0%#10 of 10What the models said about BILL Spend & Expense
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.
“This one comes up repeatedly in negative reviews... Reports of funds being pulled/frozen without clear warning” DeepSeek V4 Flash · negative prompt · hard negative
“Ramp or BILL Spend & Expense are the top choices because they offer robust corporate card programs and expense management tools completely free” Kimi K2 · budget prompt · first choice
What the models said about American Express Corporate Card
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Programs/Issuers with Frequent Red Flags: - American Express Corporate Cards: Low BBB rating (1.08/5 from 500+ reviews)” Grok 4.1 Fast · negative prompt · hard negative
“Amex excels in premium travel rewards but lags in automation (manual reports common)” Grok 4.1 Fast · comparative prompt · soft negative
“Choose Amex Corporate if you want premium travel benefits, strong program structure” GPT-5.4 mini · comparative prompt · first choice
“my default recommendation would be American Express Corporate Cards” GPT-5.4 mini · paraphrase prompt · first choice
“usually best if you value premium travel perks ... but it tends to fit larger companies and comes with higher fees” GPT-5.4 mini · direct prompt · alternative
Also compared
Ramp vs BILL Spend & ExpenseRamp vs American Express Corporate CardBILL Spend & Expense vs BrexBILL Spend & Expense vs AirbaseBILL Spend & Expense vs Rippling SpendBrex vs American Express Corporate CardAirbase vs American Express Corporate CardRippling Spend vs American Express Corporate CardAll fifteen head-to-head pages and the full corporate cards standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.