| 1 |
Ramp |
|
10/10 |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 |
- Claude Haiku 5.5 (#1) Free core plan, strong corporate cards, automated receipts, and real savings from rewards.
- GPT-6 Luna (#1) Excellent automation, controls, and real-time visibility; strong value when its integrated cards fit your needs.
- Gemini 4 Argon (#1) Unmatched automation, speed, and genuine cost-saving insights make its paid tier easily worth it.
- Qwen 3.8 Flash (#1) Best value: strong controls plus real savings from duplicate-spend detection.
- DeepSeek V4 Pro (#1) Best overall mix of free core software, real-time spend controls, and AI automation.
- GLM-5.3 (#1) Best all-around: free corporate card plus AP and automation, pricing beats incumbents
- Kimi K3 (#1) Free core platform with excellent automation, receipt matching, and savings insights.
- Mistral Large 4 (#1) Best-in-class spend limits, real-time controls, and cashback rewards that offset costs entirely.
- Nemotron 3 Ultra (#1) Best overall: zero fees, powerful automation, great UX
- MiniMax M3 (#2) Best-in-class automation, real-time insights, and free robust software.
|
| 2 |
Brex |
|
10/10 |
2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 |
- MiniMax M3 (#1) All-in-one cards, bill pay, and expense automation with generous rewards.
- Claude Haiku 5.5 (#2) Strong corporate cards and spend controls, though its focus has shifted toward larger companies.
- GPT-6 Luna (#2) Polished cards and expense workflows, especially compelling for venture-backed and global businesses.
- Gemini 4 Argon (#2) Best for scaling global startups needing high credit limits, multi-currency support, and tight controls.
- Qwen 3.8 Flash (#2) Polished cards and spend controls for scaling startups.
- DeepSeek V4 Pro (#2) Top choice for venture-backed startups with integrated banking and high credit limits.
- GLM-5.3 (#2) Strong startup card with real-time spend controls and slick UX
- Kimi K3 (#2) Best for startups and tech companies needing high limits without personal guarantees.
- Mistral Large 4 (#2) Strong for startups/tech with high limits, though rewards and service have slipped recently.
- Nemotron 3 Ultra (#2) Top for startups: high limits, rewards, no personal guarantee
|
| 3 |
Expensify |
|
10/10 |
3 | 6 | 5 | 3 | 9 | 3 | 3 | 3 | 3 | 5 |
- Claude Haiku 5.5 (#3) Mature receipt capture and reimbursement workflows that employees find easy to use.
- Qwen 3.8 Flash (#3) Mature expense reporting that finance teams already know.
- GLM-5.3 (#3) Market leader in receipt capture and employee expense workflows
- Kimi K3 (#3) Most reliable receipt scanning and simplest employee reimbursement workflow available.
- MiniMax M3 (#3) Mature receipt scanning and reimbursements at accessible price points.
- Mistral Large 4 (#3) Legendary receipt capture and policy automation; still the most reliable expense report engine.
- Gemini 4 Argon (#5) Fast receipt scanning and simple setup keep it relevant for small, reimbursement-heavy teams.
- Nemotron 3 Ultra (#5) Classic choice: easy receipts, SmartScan, wide integrations
- GPT-6 Luna (#6) Easy receipt capture and reimbursements make it worthwhile for smaller teams seeking simplicity.
- DeepSeek V4 Pro (#9) Simplest receipt capture and reimbursement for freelancers and very small teams.
|
| 4 |
Navan |
|
9/10 |
6 | 4 | 3 | 4 | 3 | 4 | 5 | | 7 | 3 |
- Gemini 4 Argon (#3) Combines seamless corporate travel booking with automated expense management better than any competitor.
- DeepSeek V4 Pro (#3) Unmatched unified travel booking plus expense management in one seamless flow.
- Nemotron 3 Ultra (#3) Unified travel + expense, excellent mobile experience
- GPT-6 Luna (#4) A strong choice when travel booking and expense management need to work together.
- Qwen 3.8 Flash (#4) Travel booking tightly coupled with expense capture.
- GLM-5.3 (#4) Excellent combined travel and expense management for mid-market
- Kimi K3 (#5) Strongest combined travel-and-expense experience with real-time policy controls.
- Claude Haiku 5.5 (#6) Combines travel booking with expense tracking, useful for frequent business travelers.
|
| 5 |
Airbase |
|
9/10 |
| 3 | 4 | 9 | 4 | 7 | 6 | 4 | 6 | 4 |
- GPT-6 Luna (#3) Flexible approval workflows and accounting integrations suit mid-market finance teams.
- Gemini 4 Argon (#4) Comprehensive procure-to-pay platform that excels at managing cards, reimbursements, and complex bill pay.
- DeepSeek V4 Pro (#4) Most comprehensive AP automation and guided procurement for mid-market firms.
- MiniMax M3 (#4) Strong AP automation and corporate cards for mid-market finance teams.
- Nemotron 3 Ultra (#4) Strong for mid-market: procure-to-pay, approval workflows
- Kimi K3 (#6) Best all-in-one spend management covering cards, bills, and purchase approvals.
- Mistral Large 4 (#6) Solid spend management with good approval flows, but priced high and lacks the polish of Ramp or Brex.
|
| 6 |
SAP Concur |
|
8/10 |
7 | 5 | 9 | 6 | 7 | | 4 | 5 | | 10 |
- Kimi K3 (#4) The enterprise standard for global compliance, travel booking, and ERP depth.
- GPT-6 Luna (#5) Mature, broad policy and travel capabilities justify its cost for complex enterprises.
- MiniMax M3 (#5) Enterprise-grade travel and expense depth with deep integrations.
- Qwen 3.8 Flash (#6) Enterprise-grade travel and expense compliance at scale.
- Claude Haiku 5.5 (#7) Deep policy, compliance, and travel integration for large organizations, at a high cost.
- DeepSeek V4 Pro (#7) Legacy enterprise standard when global ERP integration and travel depth are non-negotiable.
- Gemini 4 Argon (#9) Clunky interface, yet remains the only viable option for complex global enterprise compliance requirements.
- Nemotron 3 Ultra (#10) Legacy giant: global compliance, complex travel, big corps
|
| 7 |
Divvy |
|
7/10 |
4 | | 10 | 7 | 8 | | | 7 | 4 | 7 |
- Claude Haiku 5.5 (#4) Simple, free-to-use card and bill pay with solid budgeting controls for small teams.
- Mistral Large 4 (#4) Free, simple, and surprisingly capable budgeting for small teams that don't need enterprise complexity.
- Qwen 3.8 Flash (#7) Solid budgeting-driven corporate card for SMBs.
- MiniMax M3 (#7) Budget-friendly cards paired with solid spend management workflows.
- Gemini 4 Argon (#10) Strict, proactive budget enforcement before spend happens, ideal for cost-conscious small to midsize businesses.
|
| 8 |
Bill.com |
|
7/10 |
| 7 | | | 5 | 5 | 7 | 8 | 9 | 9 |
- DeepSeek V4 Pro (#5) Solid all-in-one for SMBs already using Bill for AP and invoicing workflows.
- GLM-5.3 (#5) Free card plus solid bill pay and budgets; great value for SMBs
- Kimi K3 (#7) Great budget controls and virtual cards for SMBs, with a generous free tier.
- Mistral Large 4 (#9) Actually pays for itself by eliminating AP paperwork and check fraud; not cheap but worth it.
- Nemotron 3 Ultra (#9) Formerly Divvy: free cards, real-time budgets, good for SMBs
|
| 9 |
Pleo |
|
7/10 |
10 | 9 | 8 | 5 | | 8 | 8 | | 5 | |
- Qwen 3.8 Flash (#5) Strong cards plus accounting sync for European SMBs.
- Mistral Large 4 (#5) Excellent European coverage and clean UX, but limited depth for complex global spend management.
- Gemini 4 Argon (#8) Frictionless employee experience and smart receipt capture tailored specifically for European mid-market teams.
- GLM-5.3 (#8) Top choice in Europe for company cards and bookkeeping automation
- Kimi K3 (#8) Best European option with employee-friendly cards and simple bookkeeping sync.
- GPT-6 Luna (#9) User-friendly cards and expense capture make day-to-day spending easier for European teams.
|
| 10 |
Spendesk |
|
3/10 |
| 8 | 6 | | | | | | | 6 |
- Gemini 4 Argon (#6) Top choice for European businesses needing VAT compliance, virtual cards, and localized accounting integrations.
- GPT-6 Luna (#8) Strong all-in-one spend controls, virtual cards, and invoice workflows for growing European companies.
|
| 11 |
Emburse |
|
2/10 |
5 | | | | | | | | | 8 |
- Claude Haiku 5.5 (#5) Established expense platform with good policy enforcement for mid-sized enterprises.
- Nemotron 3 Ultra (#8) Enterprise-grade: Chrome River, Abacus, deep policy engine
|
| 12 |
Zoho Expense |
|
6/10 |
| 10 | | 8 | 10 | | 10 | 9 | 10 | |
- Qwen 3.8 Flash (#8) Cheap, capable reporting for small Zoho-centric teams.
- MiniMax M3 (#9) Affordable, feature-rich expense reporting for small businesses.
- DeepSeek V4 Pro (#10) Best value for small businesses already in the Zoho ecosystem, straightforward and affordable.
- Kimi K3 (#10) Cheapest credible option with solid mileage, per-diem, and approval features.
- Mistral Large 4 (#10) Cheap and functional for SMBs already in Zoho's ecosystem; nothing special beyond that.
|
| 13 |
Airwallex |
|
1/10 |
| | | | | 6 | | | | |
|
| 14 |
Mercury |
|
1/10 |
| | | | | | | 6 | | |
- MiniMax M3 (#6) Excellent banking + spend controls tailored to startups and SMBs.
|
| 15 |
Mesh |
|
1/10 |
| | | | 6 | | | | | |
- DeepSeek V4 Pro (#6) Strong card-level spend controls ideal for distributed teams and subscription management.
|