| 1 |
Ramp |
|
10/10 |
2 | 1 | 1 | 2 | 2 | 1 | 3 | 2 | 2 | 3 |
- GPT-6 Luna (#1) Excellent automation, controls, and no-cost core expense management for many businesses.
- Gemini 4 Argon (#1) Best overall for modern automation, corporate cards, and real-time spend control.
- GLM-5.3 (#1) Free corporate cards with built-in spend automation and real-time expense controls.
- Claude Haiku 5.5 (#2) Corporate cards with built-in expense controls and fast reimbursements at no cost.
- Qwen 3.8 Flash (#2) Modern spend platform with cards, automation, and real savings focus.
- DeepSeek V4 Pro (#2) Modern corporate card + expense combo with zero fees, AI-powered receipt matching, and generous cashback.
- MiniMax M3 (#2) Fast automation, strong savings insights, excellent corporate cards.
- Mistral Large 4 (#2) Free corporate cards plus expense management; unmatched cashback and spend controls.
- Kimi K3 (#3) Best corporate card with automated expense policies and real-time spending controls.
- Nemotron 3 Ultra (#3) Modern spend control with corporate cards
|
| 2 |
Expensify |
|
10/10 |
1 | 2 | 4 | 1 | 4 | 2 | 1 | 3 | 1 | 1 |
- Claude Haiku 5.5 (#1) Strong receipt scanning, easy UX, and widely used by small to mid-sized teams.
- Qwen 3.8 Flash (#1) Best-known SMB/receipt tool; easy adoption, solid card controls.
- Kimi K3 (#1) Most user-friendly receipt scanning and automatic expense reporting for most companies.
- Mistral Large 4 (#1) Best all-around: powerful receipt scanning, corporate card reconciliation, and approval workflows.
- Nemotron 3 Ultra (#1) Best overall for automation and ease of use
- GPT-6 Luna (#2) Simple receipt capture and reimbursements with broad integrations and straightforward setup.
- GLM-5.3 (#2) Popular, user-friendly app with smart scan receipt capture and smooth approval workflows.
- MiniMax M3 (#3) Best-in-class receipt scanning and mobile-first workflows.
- Gemini 4 Argon (#4) Highly intuitive receipt scanning and flexible workflows ideal for small to midsize teams.
- DeepSeek V4 Pro (#4) Best-known standalone tool; SmartScan OCR receipts, simple approval flows, and strong accountant familiarity.
|
| 3 |
Concur |
|
10/10 |
5 | 3 | 5 | 3 | 1 | 3 | 2 | 4 | 3 | 2 |
- DeepSeek V4 Pro (#1) Gold standard for enterprises; deep ERP integrations, global compliance, and complete travel+expense suite.
- Kimi K3 (#2) Enterprise standard with deep travel integration and strong compliance controls.
- Nemotron 3 Ultra (#2) Enterprise standard with deep ERP integration
- GPT-6 Luna (#3) Mature global travel-and-expense workflows suited to large, complex organizations.
- Qwen 3.8 Flash (#3) SAP-backed global leader; strongest policy compliance and travel integration.
- GLM-5.3 (#3) SAP-owned leader for large enterprises with deep travel expense integration.
- Mistral Large 4 (#3) Enterprise standard: unmatched scale, global compliance, and travel integration.
- MiniMax M3 (#4) Enterprise-grade travel and expense, deep SAP integration.
- Claude Haiku 5.5 (#5) Deep policy enforcement and integrations suited to large enterprises.
- Gemini 4 Argon (#5) The gold standard for complex, large-scale global enterprise compliance and reporting.
|
| 4 |
Brex |
|
10/10 |
3 | 4 | 2 | 4 | 3 | 4 | 4 | 1 | 7 | 4 |
- MiniMax M3 (#1) All-in-one cards, bill pay, and expense tracking for startups.
- Gemini 4 Argon (#2) Top choice for high-growth startups and global enterprises needing integrated travel and expense.
- Claude Haiku 5.5 (#3) Robust corporate cards, real-time spend controls, and good for scaling startups.
- DeepSeek V4 Pro (#3) Smart corporate card with built-in expense management; real-time controls and high credit limits for startups.
- GPT-6 Luna (#4) Modern card-linked expense controls and useful automation for startups and mid-market teams.
- Qwen 3.8 Flash (#4) Corporate cards plus expense management built for startups to enterprise.
- GLM-5.3 (#4) Cards plus spend management with expense automation built in.
- Kimi K3 (#4) Excellent for startups with global corporate cards and automated accounting.
- Nemotron 3 Ultra (#4) Startup-focused with built-in banking
- Mistral Large 4 (#7) Excellent for startups: high-limit cards, real-time policy enforcement, and global support.
|
| 5 |
Zoho Expense |
|
10/10 |
7 | 7 | 7 | 5 | 6 | 9 | 5 | 6 | 6 | 6 |
- Qwen 3.8 Flash (#5) Affordable, feature-rich, integrates tightly with Zoho Books ecosystem.
- Kimi K3 (#5) Best budget-friendly option for small businesses already using Zoho ecosystem.
- DeepSeek V4 Pro (#6) Affordable and full-featured; auto-scan, mileage tracking, and seamless Zoho ecosystem for SMBs.
- MiniMax M3 (#6) Affordable, feature-rich, great for SMBs on a budget.
- Mistral Large 4 (#6) Best value for SMBs with strong multi-currency and receipt automation.
- Nemotron 3 Ultra (#6) Great value within Zoho ecosystem
- Claude Haiku 5.5 (#7) Affordable option with good automation for small businesses already in Zoho.
- GPT-6 Luna (#7) Feature-rich, affordable expense reporting that fits well with Zoho's ecosystem.
- Gemini 4 Argon (#7) Exceptional value with deep customization and seamless integration for budget-conscious businesses.
- GLM-5.3 (#9) Affordable, polished option that scales well for SMBs.
|
| 6 |
Airbase |
|
8/10 |
| 8 | 6 | | 9 | 6 | 8 | 8 | 5 | 5 |
- Mistral Large 4 (#5) Superior spend management with deep AP automation and granular budget controls.
- Nemotron 3 Ultra (#5) Unified spend management platform
- Gemini 4 Argon (#6) Comprehensive procure-to-pay platform uniting accounts payable, cards, and employee expenses.
- GLM-5.3 (#6) Combines AP automation, cards, and reimbursements in one guided spend platform.
- GPT-6 Luna (#8) Robust spend management with configurable approvals and strong accounting integrations.
- Kimi K3 (#8) Strongest spend management platform combining cards, approvals, and bill payments.
- MiniMax M3 (#8) Combines bill pay, cards, and expense in one platform.
- DeepSeek V4 Pro (#9) Comprehensive procure-to-pay + expense in one; guided purchasing flows that prevent out-of-policy spend.
|
| 7 |
Navan |
|
6/10 |
9 | 6 | 3 | 7 | 5 | | 7 | | | |
- Gemini 4 Argon (#3) Unmatched combination of business travel booking and automated expense management.
- DeepSeek V4 Pro (#5) Travel-first expense platform with consumer-grade UX, proactive policy enforcement, and tight booking integration.
- GPT-6 Luna (#6) Combines business travel booking with expense management in a polished platform.
- Claude Haiku 5.5 (#9) Combines travel booking with expense management, good for frequent business travelers.
|
| 8 |
Divvy |
|
8/10 |
6 | 5 | 10 | 6 | 10 | 10 | | | 4 | 8 |
- Mistral Large 4 (#4) Simple, free expense and budget management integrated with business cards.
- GPT-6 Luna (#5) Strong all-in-one spend controls and reimbursements, particularly for growing small businesses.
- Claude Haiku 5.5 (#6) Simple spend management with virtual cards and budgeting, now part of Bill.
- Qwen 3.8 Flash (#6) Strong spend controls and reimbursements for SMB finance teams.
- Nemotron 3 Ultra (#8) Good AP integration with Divvy roots
- Gemini 4 Argon (#10) Strong proactive budgeting controls paired with free software and flexible corporate credit.
- DeepSeek V4 Pro (#10) Free platform acquired by BILL; line-item budgeting, virtual cards, and strong spend-control for mid-market.
- GLM-5.3 (#10) Free software with cards and budget controls for small teams.
|
| 9 |
Emburse |
|
7/10 |
4 | | | | 7 | 5 | 6 | 9 | 10 | 7 |
- Claude Haiku 5.5 (#4) Mature expense and travel tools with solid compliance features for mid-market firms.
- GLM-5.3 (#5) Dependable mid-market tool with strong receipt parsing and reporting.
- Kimi K3 (#6) Reliable mid-market solution with solid travel booking and expense workflows.
- DeepSeek V4 Pro (#7) Deep configurability, multi-level approvals, and strong policy enforcement for heavily regulated industries.
- Nemotron 3 Ultra (#7) Flexible for mid-market companies
- MiniMax M3 (#9) Solid mid-market tool with policy enforcement features.
|
| 10 |
Coupa |
|
3/10 |
| | | 9 | | 7 | 9 | | | |
- GLM-5.3 (#7) Enterprise-grade spend management beyond expenses: procurement and invoicing.
- Qwen 3.8 Flash (#9) Suite-level spend management; strong mid-market/enterprise procurement depth.
|
| 11 |
QuickBooks Online |
|
2/10 |
| | | | | | 10 | 5 | | |
- MiniMax M3 (#5) Seamless accounting sync, ideal for small businesses.
- Kimi K3 (#10) Seamless expense tracking for businesses already using QuickBooks accounting.
|
| 12 |
Rydoo |
|
3/10 |
10 | | | | | 8 | | | 8 | |
- Mistral Large 4 (#8) Clean, mobile-first expense reporting ideal for small teams and field workers.
|
| 13 |
Fyle |
|
2/10 |
| | | | 8 | | | | | 9 |
- DeepSeek V4 Pro (#8) AI engine extracts data from any app (email, Slack, SMS); works with existing cards, no rip-and-replace.
- Nemotron 3 Ultra (#9) Strong policy engine and real-time visibility
|
| 14 |
Spendesk |
|
2/10 |
| 9 | 8 | | | | | | | |
|
| 15 |
FreshBooks |
|
1/10 |
| | | | | | | 7 | | |
- MiniMax M3 (#7) Simple expense tracking tied to invoicing for freelancers.
|