Finance AI Index
Index Spend and procurement Corporate cards › Ramp vs Brex
Corporate cards · September 2026 Edition

Ramp vs Brex

Eleven of twelve models named Ramp first on the direct prompt; zero named Brex. Both were named by all twelve models and Ramp carries 55 labels and Brex 43, so the shares are not directly comparable.

Ramp

endorsed leader

Named in seventeen categories this edition.

Brex

accepted challenger

Named in twelve categories this edition.

First-choice share69%5%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate5%21%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#3A position in a field of 9; printed, not drawn.
Labels5543A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Ramp reading right to left. Rank and label count are printed, not drawn.Airbase was named alongside these two in ten of the twelve direct answers. Ramp vs BILL Spend & Expense · 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.
RampFirst choices, of twelve modelsBrex
Direct1102 against Brex
Paraphrase1011 against Brex
Comparative62
Budget-constrained701 against Ramp · 3 against Brex
Scale-constrained11
Negative002 against Ramp · 3 against Brex
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.

The direct prompt

The plain question, one answer per model, grouped by where Ramp and Brex stood in it.

Ramp first, Brex an alternative

11 of 12 modelsBrex was named in the answer but not as the choice, or not at all.
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
Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Corpay
Perplexity SonarRamp alternatives: Airbase, Corpay
Grok 4.1 FastRamp alternatives: BILL Spend & Expense, Brex
Mistral SmallAirbase, Ramp alternatives: Spendesk and Paylocity for Finance, U.S. Bank Commercial Rewards Card
DeepSeek V4 FlashRamp alternatives: Airbase, BILL Spend & Expense
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

Neither was the first choice, one was named

1 of 12 modelsThe answer put something else first and named one of the two as an alternative.
MiniMax M2.5Airbase, Corpay alternatives: BILL Spend & Expense, Brex, Ramp

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
Ramp leads by seventy-one points.
Ramp74%#1 of 6
Brex2%#4 of 6
The full small business standing →
Mid-marketThe figures above
Ramp leads by sixty-four points.
Ramp69%#1 of 9
Brex5%#3 of 9
The full mid-market standing →
Enterprise
Ramp leads by thirty-seven points.
Ramp51%#1 of 10
Brex15%#2 of 10
The full enterprise standing →

What the models said about Ramp

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.

“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 · soft negative
“Ramp is widely considered the top choice for mid-market companies looking to consolidate corporate cards, expense management, bill pay, and procurement into one platform.” GLM 4.7 FlashX · direct prompt · first choice

What the models said about Brex

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.

“it is not recommended for limited-budget companies unless you are venture-backed” Gemini 3.5 Flash · budget prompt · hard negative
“Brex requires businesses to hold at least $400,000 in monthly revenue for mid-market underwriting. This shuts out many bootstrapped or lower-revenue businesses.” DeepSeek V4 Flash · direct prompt · soft negative
“the platform may see shifts in product direction and pricing, which is something to keep in mind if you are looking for long-term platform stability” Gemini 3.5 Flash · paraphrase prompt · soft negative
“Brex (Best for High-Velocity Startups) ... high credit lines, virtual cards for security, and excellent employee management” Qwen 3.7 Flash · comparative prompt · first choice
Also compared

Comparisons are drawn for the top three products in each category. The output is the models' output; nothing here is a recommendation by the index.