# Ramp vs Rippling Spend: which do AI models recommend for corporate cards, September 2026

Finance AI Recommendation Index, September 2026 Edition, Corporate cards. Eleven of twelve models named Ramp first on the direct prompt; zero named Rippling Spend. Page: https://finance-ai-index.com/spend/corporate-cards/ramp-vs-rippling-spend/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Ramp | 69% | #1 of 9 | 5% | 55 | 12 of 12 |
| Rippling Spend | 2% | #5 of 9 | 0% | 16 | 9 of 12 |

## The direct prompt, model by model

- Claude Haiku 4.5: ramp first (first choices: Ramp) (alternatives: Airbase, American Express Corporate Card, Paylocity for Finance, Spendesk)
- GPT-5.4 mini: ramp first (first choices: Ramp) (alternatives: Airwallex, American Express Corporate Card, BILL Spend & Expense)
- Gemini 3.5 Flash: ramp first (first choices: Ramp) (alternatives: Airbase, Brex, Corpay)
- Perplexity Sonar: ramp first (first choices: Ramp) (alternatives: Airbase, Corpay)
- Grok 4.1 Fast: ramp first (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex)
- Mistral Small: ramp first (first choices: Airbase, Ramp) (alternatives: Spendesk and Paylocity for Finance, U.S. Bank Commercial Rewards Card)
- DeepSeek V4 Flash: ramp first (first choices: Ramp) (alternatives: Airbase, BILL Spend & Expense)
- Llama 4 Maverick: ramp first (first choices: Ramp) (alternatives: Airbase, U.S. Bank Commercial Rewards Card)
- Qwen 3.7 Flash: ramp first (first choices: Ramp) (alternatives: Airbase, Brex)
- Kimi K2: ramp first (first choices: Ramp) (alternatives: Airbase, Brex, Corpay)
- GLM 4.7 FlashX: ramp first (first choices: Ramp) (alternatives: Airbase, Brex, Navan, U.S. Bank Commercial Rewards Card)
- MiniMax M2.5: neither first, one named (first choices: Airbase, Corpay) (alternatives: BILL Spend & Expense, Brex, Ramp)

## What the models said about Ramp

- "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 Rippling Spend

- "Start with Ramp if you want modern expense management features, or Rippling if you need higher cashback rates" (GLM 4.7 FlashX, budget prompt, first choice)

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. 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.