🧮 Compare
Expense Tools Compared
Three ways to track company spending, two with corporate cards attached. Read the credit terms before you apply.
Written and reviewed by the FlowHaxa Editorial TeamFigures checked October 13, 2026Link disclosure. Every provider link on this page is marked rel="sponsored". Right now none of them is a tracked partner link, so each button goes straight to the provider’s own site and FlowHaxa earns nothing from the click. If that changes, this notice will say so. Prices and rates come from each provider’s own pages. See how we make money.
The Short Answer
- Software only, very cheapZoho Expense is free for up to 3 users and $4 per user a month on Standard.
- Free software plus a cardRamp's Free plan is $0 per user and includes a corporate card, subject to credit approval.
- Card with a credit lineBILL Spend & Expense is $0 per user, with advertised credit lines from $1,000 up, not guaranteed.
- Before you applyCheck whether each card requires a personal guarantee. Neither provider's pricing page says.
Side-by-Side Comparison
| Provider | Software price | Corporate card | Standout feature | Confirm before applying | Best for |
|---|---|---|---|---|---|
| Ramp | $0 per user (Free). Plus is $15 per user a month plus a platform fee based on team size. | Visa corporate card, subject to credit approval | Free plan includes accounts payable, accounts receivable and QuickBooks and Xero integrations. | Whether the card needs a personal guarantee, and whether it reports to business credit bureaus. | Teams spending on ads, freight, software and travel |
| BILL Spend & Expense | $0 per user per month | BILL Divvy Card, with credit lines advertised from $1,000 to $5M, not guaranteed | Virtual card payments are free. Paying a bill by card costs 2.9%. | Eligibility, personal guarantee and bureau reporting aren't stated on the pricing page. | Owners who want a real credit line with budgets attached |
| Zoho Expense | Free for up to 3 users. Standard is $4 per user a month ($3 annual), Premium $6 ($5 annual). | No corporate card in this review | Free plan includes 5 GB of receipt storage and 20 receipt scans per user per month. | Scan limits on the free plan. | Owners who just want receipts and mileage organised |
Checked October 13, 2026 against each provider’s own pages (listed under Sources). Prices, fees and rates change, so confirm on the provider’s site before you sign up.
Provider by Provider
Ramp
Spend, bills and invoices in one place
Best for: Teams spending on ads, freight, software and travel
- Pro: Full free tier
- Pro: Unlimited cards with controls
- Pro: AP and AR tools included
- Con: Paid tier adds a platform fee
- Con: Credit terms are not on the pricing page
BILL Spend & Expense
Card-first spend management (formerly Divvy)
Best for: Owners who want a real credit line with budgets attached
- Pro: No per-user subscription fee
- Pro: Budgets and virtual cards
- Pro: Large credit lines possible
- Con: Credit line depends on approval
- Con: Terms are not on the pricing page
Zoho Expense
Receipts and reports, no card
Best for: Owners who just want receipts and mileage organised
- Pro: Lowest cost here
- Pro: No credit application needed
- Con: No card or credit line
- Con: Scan cap on the free plan
These buttons are sponsored links that go straight to each provider’s own site. Read the disclosure.
A Corporate Card Is a Credit Application
Ramp and BILL both advertise their software as free, but the cards that come with it are credit products. Applying means a credit decision, and depending on the terms it can involve a personal guarantee or a hard inquiry on your personal file. Neither pricing page answers that, so ask each provider before you apply.
If a credit line is part of what you want, read what a line of credit is first, so you know what you are agreeing to.
When Expense Software Starts to Matter
If you are a solo owner, a spreadsheet and your bank feed are probably enough. Once other people spend money for the business, receipts go missing and the spending in your bank feed stops matching what you approved. That is the point to add a tool. Our guide to tracking business expenses covers the manual routes first.
Cards Change When Cash Leaves
A card moves cash out when the statement is paid, not when someone swipes. That can smooth a tight week, and it can also hide how much you have already committed. Put card balances in your forecast on the date you expect to pay the statement, not the date of purchase.
Other Names You Will Hear
Brex and Expensify come up often in this category. We could not confirm current pricing for either from its own pages for this review, so we left them out rather than guess. For the general idea, see what expense management software does.
Frequently Asked Questions
Do I need expense software or just a card?
A card gives you spending data in a statement. Expense software adds receipts, approvals and accounting sync. If one or two people spend, the statement may be enough.
Will these cards help build business credit?
It depends on whether the issuer reports to the business bureaus, which the pricing pages do not state. Ask before you apply.
Is there a catch to the free plans?
The software is free, but cards are underwritten, optional features sit on paid tiers, and some payment methods carry fees, such as paying a bill by card on BILL.
Keep Reading
FlowHaxa is an educational publisher, not a bank, lender or financial adviser. Read our disclaimer, and check large decisions with your accountant.