Ramp vs Brex vs Mercury vs Divvy: which should you pick?
A side-by-side look at price, features, quality and value across the leading fintech options — so you can choose the right one in minutes.
Visit ramp.comAutomated savings insights
Free core · Ramp Plus $15/user/mo · Enterprise custom — lowest sticker price in this comparison.
US only
- Automated savings insights
- Fast onboarding
- Bill pay included
- US only
- Requires business credit profile
Ramp is a fintech option built for finance teams starting at Free core · Ramp Plus $15/user/mo · Enterprise custom. Shoppers pick it for automated savings insights, but it's worth comparing against Brex, Mercury, Divvy if us only.
Automated savings insights. Pricing: Free core · Ramp Plus $15/user/mo · Enterprise custom.
Best when you need vc-backed scaleups & global teams. Pricing: Free Essentials · Premium custom (formerly $49/mo).
Best when you need funded startups (banking-first). Pricing: Free banking & cards · no paid tier.
Best when you need smbs w/ existing bill.com workflow. Pricing: Free (Bill Spend & Expense, formerly Divvy).
Ramp is positioned for smb to mid-market. If your team or volume is materially larger or smaller, one of Brex / Mercury / Divvy may be cheaper or more capable.
At least one option in this comparison has a free tier — run a 1–2 week pilot before paying. Confirm the must-have feature actually works on free, not just trial.
Look past the headline price: add seats, add-ons, integration fees and transaction fees. The cheapest option rarely stays cheapest at scale.
Known trade-off with Ramp: US only. Confirm it isn't a deal-breaker for your specific use case before signing.
- US onlyConfirm this isn't a deal-breaker for your team before signing — it's the most common reason shoppers switch from Ramp to Brex.
- Requires business credit profileConfirm this isn't a deal-breaker for your team before signing — it's the most common reason shoppers switch from Ramp to Brex.
For smb to mid-market, yes — Automated savings insights. For very different use cases, compare against Brex, Mercury, Divvy.
Ramp pricing is Free core · Ramp Plus $15/user/mo · Enterprise custom. Competitors in this comparison range from Free Essentials · Premium custom (formerly $49/mo) / Free banking & cards · no paid tier / Free (Bill Spend & Expense, formerly Divvy).
US only. Most teams work around it, but verify it isn't a deal-breaker for you first.
Pick Ramp if you want automated savings insights. Pick Brex if you need a broader / cheaper / more established alternative — see the comparison table above for the side-by-side.