Brex vs. Ramp

How Do They Compare?

Should you consider a business card

A business credit card can be a great option for a young company with limited company history like startups. They can be relatively easy to get, all while building up your credit in the process. There are many business credit card options available. However, there may be a certain card that’s better suited for your company over another. Focusing on startups, two popular options are Ramp and Brex. These two companies technically offer a corporate credit card, which differs from a business credit card since they offer corporate programs to small and large enterprises.

Zero Fees and No Interest

Both Ramp and Brex offer no fees (including no foreign transaction fees) and interest with their credit cards. This is a very attractive alternative to traditional business credit card interest rates, which are around 16 to 18%. However, they require 30 day payment cycles meaning that you must pay off your balance each month.

Card Limits

On average, traditional business credit cards have around a $56,000 limit. Ramp and Brex offer limits 10 to 20 times that since they don’t require personal guarantees. 

Partner Rewards System

Ramp and Brex both have exclusive offers from an extensive list of partners to offer discounts to products that startups would benefit the most from. AWS is a partner that Ramp and Brex have in common, allowing their customers to receive credits to the service. With either company, you can have access to discounts for digital ads, accounting software, analytics trackers, project management software, and much more.

Accounting Integrations

Integrating your accounting data with your credit card history can save a lot of time for you, and it allows you to make the process seamless. With Ramp and Brex, you can sync your purchase data with Quickbooks (desktop and online), Oracle NetSuite, and Xero. 

Automatic Receipt Capture

Along with the accounting integrations, automatic receipt capture can help make the expense management process seamless. With Ramp or Brex, you can text, email, or upload your receipt, and they automatically match your receipt with the correct transaction.

Embedded Expense Policy

Both Ramp and Brex allow you to plan and set up exactly what your cardholders can spend. This helps you to avoid unnecessary or out-of-policy expenses to efficiently manage company spending.


Cash Rewards

Ramp credit cards slide past Brex with a higher cash back percentage at 1.5%. This is consistent with the average business credit card with cash back between 1 to 2%. 

Number of Cards

There is no limit to the amount of cards you can get with Ramp. You can receive physical cards, as well as virtual cards that you can give to certain people in your company who don’t necessarily need to have a physical card with them or primarily make their purchases online.

Reporting, Analytics, and Insights

Ramp operates with a dashboard where you can create workflows to manage spending and reconcile expenses, as well as integrate with Slack. They offer advanced reporting that include automated saving insights.


Cash Rewards

Rather than a standard cash back percentage, Brex allows you to accumulate points of a varying amount on certain purchases. For rideshare purchases, you get 7 times the points, flights and hotels are 4 times the points, restaurants are 3 times the points, recurring software is two times the points, and everything else is one point per dollar spent. You can have an unlimited number of points and redeem them for business travel, a credit statement, or cash back on any transaction.

Number of Cards

Brex limits the number of cards to one per user. However, after the fifth card, Brex charges you a fee for $5 per user per month. Keep this in mind if there are multiple people in your company who would need access to a credit card.

Reporting, Analytics, and Insights

Along with Brex’s credit cards for startups, they offer Brex Cash, which is a business bank account alternative. The two together create a financial OS to manage and monitor all transactions, deposits, and transfers that are pertinent to your company. Aside from Brex Cash, the Brex corporate card for startups allows you to manage your spending through a dashboard where you can set up your accounting integrations and built-in expense management tools.

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The Verdict?

The best corporate credit card for your startup completely depends on your needs. With this breakdown, you can figure out what’s most important to your company and consider the options that way. ‍Ramp and Brex aren’t the only players in the startup corporate credit card space. You may find that a Divvy credit card or a Stripe credit card is best for you. Whatever decision you make, a business credit card can be a powerful tool of funding for your startup.