Ramp vs Expensify
Choose Ramp if you want corporate cards, expense controls, bill pay, and accounting automation in one finance platform; choose Expensify if your priority is receipt tracking, reimbursements, and managing expenses on your existing cards. Both offer company cards and travel booking, but their free plans serve different buyers: Ramp offers a free business plan, while Expensify’s free Submit plan is for individuals.
Last updated October 27, 2026.
At a glance
| Dimension | Ramp | Expensify |
|---|---|---|
| Free plan | Free business plan with unlimited users and cards | Free Submit plan for individuals; no company cards or payments |
| Paid plans, USD | Plus: $15/user/month plus a team-size platform fee; Enterprise: custom | Collect: $5/unique member/month; Control: $18/month on an annual subscription or $36 pay-per-use |
| Who can start | US applicants: registered business and at least $25,000 in linked business-bank cash | Individuals can use Submit; US-issued cards require a US business bank account |
| Card controls | Unlimited physical and virtual cards; vendor and category controls | Expensify Card with Smart Limits and virtual cards on paid plans |
| Existing card imports | Not published | Personal and company card transaction imports |
| Accounting integrations | QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus | QuickBooks Online and Xero on Collect; NetSuite and Sage Intacct on Control |
| Approvals | Configurable workflows on Free; advanced routing on Plus | Expense approvals on Collect; multiple approval flows on Control |
| Bills and invoices | Invoice capture, approval workflows and bill payments | Invoice and bill scanning with automated payments |
| Travel | Flight, hotel and car booking with travel policies | Flight, hotel, car and rail booking with travel rules |
| Platforms | Web, iOS and Android apps | Web, desktop, iOS and Android apps |
| Support | 24/7 chat; phone support on paid plans | AI and human support; 24/7 real-time human chat |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Ramp if
- Eligible businesses seeking a free corporate card and expense plan
- Finance teams setting vendor and category card controls
- Teams combining bill pay with expense management
- Businesses seeking advanced accounting automation on paid plans
Choose Expensify if
- Individuals scanning receipts and submitting expenses for free
- Teams using existing personal or company cards
- Small teams seeking month-to-month expense management
- Organizations managing expenses across multiple countries
The verdict
Ramp is the better fit for an eligible business that wants to set card-level spending controls and bring more finance workflows into one system. Expensify is the better fit for an individual tracking expenses or a team that wants a straightforward, month-to-month expense plan without adopting a new company card. The deciding factors are the scope of finance tools you need, card eligibility, and how each plan bills for users.
Ramp vs Expensify: common questions
- Is Ramp or Expensify free for a business team?
- Ramp publishes a free business plan with unlimited users and cards. Expensify’s free Submit plan is for individuals; its Collect plan for teams costs $5 per unique member per month in USD.
- How do Ramp and Expensify paid plans compare?
- Ramp Plus is $15 per user per month plus a platform fee based on team size. Expensify Collect is $5 per unique member per month; Control starts at $18 per included member per month with an annual subscription, or $36 per active member per month on pay-per-use billing. Qualifying Expensify Card use can reduce Control pricing.
- Can I use my existing cards with Expensify instead of getting a new card?
- Yes. Expensify supports personal and company card transaction imports. It also offers its own Expensify Card on paid plans.
- Do both Ramp and Expensify issue corporate cards?
- Yes. Ramp lists unlimited physical and virtual corporate cards on its Free plan. Expensify offers the Expensify Card with its paid Collect and Control plans; card availability depends on eligibility.
- Which integrates with QuickBooks, Xero, NetSuite and Sage Intacct?
- Both list QuickBooks Online and Xero on their entry-level business plans. Ramp lists NetSuite and Sage Intacct on Plus, while Expensify lists them on Control.
- Can both products handle employee reimbursements and travel?
- Yes. Both publish employee reimbursement and travel-booking features. Ramp also lists bill pay and card-level spending controls on its Free plan; Expensify Collect includes expense and travel approvals.
- Can a sole proprietor use Ramp or Expensify?
- Expensify offers a free Submit plan for individuals. Ramp says it does not accept individuals, sole proprietors or unregistered businesses for its US application.
- What is the main reason to choose Ramp over Expensify, or vice versa?
- Choose Ramp when an eligible business wants corporate cards, upfront spend controls and broader finance workflows together. Choose Expensify when individual expense tracking or a month-to-month team expense plan built around receipts, reimbursements and existing cards is the priority.