# American Express alternatives: what AI models name instead, September 2026

Finance AI Recommendation Index, September 2026 Edition. 198 of the 216 answers in the 1 category where American Express holds a standing named it neither first nor as an alternative; these are the first choices those answers made. Page: https://finance-ai-index.com/vendors/american-express/alternatives/

## Named instead, most often (every category and segment added)

- Ramp: 95
- BILL Spend & Expense: 12
- Brex: 12
- Airwallex: 4
- American Express Corporate Card: 3
- Airbase: 2

## Corporate cards

**Small business**: 65 of 72 answers did not name American Express (American Express is #6 of 6 at 0%).

- Ramp: first choice in 39 of those 65
- BILL Spend & Expense: first choice in 5 of those 65
- Airwallex: first choice in 2 of those 65
- Brex: first choice in 2 of those 65
- Capital One Spark Cash Plus: first choice in 2 of those 65
- Chase Ink Business Unlimited: first choice in 1 of those 65
- U.S. Bank Triple Cash Rewards Visa® Business Card: first choice in 1 of those 65

**Mid-market**: 69 of 72 answers did not name American Express (American Express is #9 of 9 at 0%).

- Ramp: first choice in 34 of those 69
- BILL Spend & Expense: first choice in 5 of those 69
- Brex: first choice in 3 of those 69
- Airbase: first choice in 2 of those 69
- American Express Corporate Card: first choice in 2 of those 69
- Corpay: first choice in 1 of those 69
- Rippling Spend: first choice in 1 of those 69
- U.S. Bank Triple Cash Rewards Visa® Business Card: first choice in 1 of those 69

**Enterprise**: 64 of 72 answers did not name American Express (American Express is #5 of 10 at 5%).

- Ramp: first choice in 22 of those 64
- Brex: first choice in 7 of those 64
- Airwallex: first choice in 2 of those 64
- BILL Spend & Expense: first choice in 2 of those 64
- J.P. Morgan Commercial Cards: first choice in 2 of those 64
- American Express Corporate Card: first choice in 1 of those 64
- American Express Corporate Card Program + American Express @ Work: first choice in 1 of those 64
- Capital One Business Cards: first choice in 1 of those 64

Published under CC BY 4.0. The output is the models' output; nothing here is a recommendation by the index.