# BILL Spend & Expense vs Corpay: which do AI models recommend for corporate cards, October 2026

Finance AI Recommendation Index, October 2026 Edition, Corporate cards. Zero of fourteen models named BILL Spend & Expense first on the direct prompt; four named Corpay. Page: https://finance-ai-index.com/spend/corporate-cards/bill-spend-expense-vs-corpay/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| BILL Spend & Expense | 19% | #2 of 8 | 4% | 47 | 13 of 14 |
| Corpay | 7% | #4 of 8 | 0% | 11 | 8 of 14 |

## The direct prompt, model by model

- Perplexity Sonar: corpay first (first choices: Corpay, Ramp) (alternatives: BILL Spend & Expense, Navan, U.S. Bank Commercial Rewards Card)
- GLM 4.7 FlashX: corpay first (first choices: Airbase, Corpay) (alternatives: Airwallex, American Express Business Platinum, Ramp)
- MiniMax M2.5: corpay first (first choices: Corpay) (alternatives: Airbase, Ramp)
- Muse Glimmer 30B: corpay first (first choices: Corpay) (alternatives: Airbase, U.S. Bank Commercial Rewards Card)
- Claude Haiku 4.5: neither first, one named (alternatives: Airbase, BILL Spend & Expense, Ramp, The BILL Divvy Card, Volopay Card)
- GPT-5.4 mini: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex, Rippling Finance)
- Gemini 3.5 Flash: neither first, one named (first choices: Ramp) (alternatives: Airbase, BILL Spend & Expense, Brex)
- Grok 4.1 Fast: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex, Corpay, Payhawk)
- Mistral Small: neither first, one named (first choices: Airbase, Brex) (alternatives: Corpay, Ramp)
- DeepSeek V4 Flash: neither first, one named (first choices: Ramp, Rippling Spend) (alternatives: Airbase, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards Card)
- Qwen 3.7 Flash: neither first, one named (first choices: U.S. Bank Commercial Rewards Card) (alternatives: BILL Spend & Expense, Rho, Rippling Spend)
- Kimi K2: neither first, one named (first choices: Ramp) (alternatives: Brex, Corpay)
- GPT-6 Luna: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex)
- Llama 4 Maverick: neither named

## What the models said about BILL Spend & Expense

- "BILL stands out as the most budget-friendly *corporate card program* because it offers $0/user/month" (Perplexity Sonar, budget prompt, first choice)

## What the models said about Corpay

- "The Corpay Mastercard leads for mid-market and enterprise companies that need AP-integrated card payments, managed vendor enrollment, and rebates that scale with spend volume" (Muse Glimmer 30B, direct prompt, first choice)
- "Corpay Mastercard appears to be specifically highlighted as the best for mid-market and enterprise B2B companies" (MiniMax M2.5, direct prompt, first choice)
- "For larger organizations needing full AP automation and vendor management, Corpay is strongest." (MiniMax M2.5, comparative prompt, first choice)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.