| 1 |
Ramp |
|
10/10 |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 |
- Claude Haiku 5.5 (#1) Strong corporate cards, automated expense policies, and fast reimbursements; top pick overall.
- GPT-6 Luna (#1) Excellent all-in-one corporate cards, automated expense controls, fast reimbursements, and clear real-time spend visibility.
- Gemini 4 Argon (#1) Best overall for automated expense tracking, smart corporate cards, and proactive cost-saving insights.
- Qwen 3.8 Flash (#1) Fastest-growing, powerful automation and spend controls at no card fee.
- DeepSeek V4 Pro (#1) Best overall UX, zero fees, and powerful AI-driven spend controls.
- GLM-5.3 (#1) Free corporate cards plus automation-first expense software with strong savings controls.
- Kimi K3 (#1) Best all-in-one spend platform with corporate cards, automation, and savings insights.
- Mistral Large 4 (#1) Best-in-class automation, savings tracking, and fast-growing SMB/mid-market favorite.
- Nemotron 3 Ultra (#1) Best all-around modern platform combining cards, expense management, AP automation, and accounting integrations
- MiniMax M3 (#2) Leading modern spend management with powerful automation and savings.
|
| 2 |
Brex |
|
10/10 |
2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 2 |
- MiniMax M3 (#1) All-in-one cards and expense platform built for startups and scale-ups.
- Claude Haiku 5.5 (#2) Excellent corporate cards and spend controls, especially for venture-backed startups.
- GPT-6 Luna (#2) Strong global card and expense platform with flexible controls, travel features, and polished finance workflows.
- Gemini 4 Argon (#2) Top choice for startups and global enterprises needing high credit limits and travel integration.
- Qwen 3.8 Flash (#2) Purpose-built finance platform for scaling companies with real cards.
- DeepSeek V4 Pro (#2) Top choice for startups with seamless corporate cards and rewards.
- GLM-5.3 (#2) Powerful corporate cards and spend management favored by startups and scaling companies.
- Kimi K3 (#2) Excellent corporate card rewards and global spend management for startups and enterprises.
- Mistral Large 4 (#2) Premium corporate cards with excellent controls for startups and tech companies.
- Nemotron 3 Ultra (#2) Strongest for startups and high-growth companies with built-in rewards, bill pay, and banking
|
| 3 |
Expensify |
|
10/10 |
3 | 5 | 5 | 3 | 4 | 5 | 4 | 3 | 3 | 3 |
- Claude Haiku 5.5 (#3) Mature receipt capture and reporting, with broad adoption among small and mid-sized firms.
- Qwen 3.8 Flash (#3) Best-known expense management with strong reimbursements and OCR.
- MiniMax M3 (#3) Mature expense reporting with excellent receipt scanning and integrations.
- Mistral Large 4 (#3) Powerful receipt management and expense reimbursement for all business sizes.
- Nemotron 3 Ultra (#3) Mature, widely adopted expense-first platform with SmartScan and flexible policy engine
- DeepSeek V4 Pro (#4) Simplest receipt capture and reimbursement for small teams.
- Kimi K3 (#4) Strong receipt scanning and expense reporting with versatile corporate card options.
- GPT-6 Luna (#5) A straightforward option known for receipt capture, expense reporting, and practical card functionality.
- Gemini 4 Argon (#5) Long-standing leader in receipt scanning and simple reimbursement workflows for businesses of all sizes.
- GLM-5.3 (#5) Easy-to-use receipt capture and reimbursement, popular with SMBs and accountants.
|
| 4 |
Navan |
|
10/10 |
6 | 3 | 3 | 5 | 10 | 6 | 5 | 7 | 4 | 4 |
- GPT-6 Luna (#3) Combines corporate cards and expense management with especially capable business travel booking and policy enforcement.
- Gemini 4 Argon (#3) Unmatched combination of seamless corporate travel booking and automated real-time expense management.
- Mistral Large 4 (#4) Unified travel booking and expense management with strong policy controls.
- Nemotron 3 Ultra (#4) Formerly TripActions, excels at travel + expense unification with superior UX and inventory
- Qwen 3.8 Flash (#5) Combines corporate travel booking with modern expense tooling.
- Kimi K3 (#5) Combines travel and expense management with smart cards and real-time policy enforcement.
- Claude Haiku 5.5 (#6) Combines corporate travel booking with expense management and corporate cards.
- GLM-5.3 (#6) Travel-embedded expenses with clean automation and competitive pricing.
- MiniMax M3 (#7) Strong travel, card, and expense unification for mid-market and enterprise.
- DeepSeek V4 Pro (#10) Leading travel-and-expense combo with consumer-grade card experience.
|
| 5 |
SAP Concur |
|
10/10 |
7 | 6 | 7 | 4 | 6 | 4 | 3 | 6 | 8 | 6 |
- Kimi K3 (#3) Enterprise-grade expense management with deep ERP integrations and global compliance.
- Qwen 3.8 Flash (#4) Enterprise standard for global travel and expense compliance.
- GLM-5.3 (#4) Market-leading expense reporting with deep travel integration; enterprise standard.
- GPT-6 Luna (#6) Mature, broad expense and travel capabilities suited to complex organizations and established finance processes.
- DeepSeek V4 Pro (#6) Enterprise standard with global compliance and travel integration.
- MiniMax M3 (#6) Enterprise standard for travel, expense, and invoice compliance.
- Nemotron 3 Ultra (#6) Enterprise standard for complex travel/expense needs, deep ERP integration, global compliance
- Claude Haiku 5.5 (#7) Deep enterprise travel and expense functionality with robust policy compliance.
- Gemini 4 Argon (#7) The gold standard for massive global enterprises with complex compliance and ERP integration needs.
- Mistral Large 4 (#8) SAP's enterprise-grade platform for global companies with complex needs.
|
| 6 |
Airbase |
|
8/10 |
| 4 | 4 | | 5 | 3 | 6 | 8 | 5 | 5 |
- GLM-5.3 (#3) Combines cards, AP automation, and spend management on one modern platform.
- GPT-6 Luna (#4) Robust procure-to-pay workflows pair well with corporate cards, expenses, and configurable approvals.
- Gemini 4 Argon (#4) Comprehensive spend management excelling in accounts payable, procurement workflows, and mid-market controls.
- DeepSeek V4 Pro (#5) Most comprehensive procure-to-pay for mid-market and larger teams.
- Mistral Large 4 (#5) Strong spend management platform with deep accounting integrations and AP automation.
- Nemotron 3 Ultra (#5) Unified spend management (cards, bills, reimbursements) with strong approval workflows
- Kimi K3 (#6) Comprehensive procure-to-pay with guided procurement and strong approval workflows.
|
| 7 |
BILL |
|
10/10 |
4 | 7 | 9 | 7 | 3 | 7 | 7 | 5 | 6 | 7 |
- DeepSeek V4 Pro (#3) Excellent AP/AR integration with strong expense automation.
- Claude Haiku 5.5 (#4) Simple corporate cards with budgeting and bill pay, now part of Bill.
- MiniMax M3 (#5) Strong for AP and bill pay alongside expense workflows.
- Mistral Large 4 (#6) Free, straightforward expense and card management ideal for small businesses.
- GPT-6 Luna (#7) Accessible spend controls and card management with useful expense automation, particularly for growing businesses.
- Qwen 3.8 Flash (#7) Simple budgeting and spend control focused on company cards.
- GLM-5.3 (#7) Free software-plus-card model with strong budgeting and real-time tracking.
- Kimi K3 (#7) Solid spend and expense management with AP/AR automation for mid-market companies.
- Nemotron 3 Ultra (#7) Formerly Divvy, great free card + expense software with real-time budgets
- Gemini 4 Argon (#9) Great free software with flexible credit lines and intuitive budgeting for small-to-midsize businesses.
|
| 8 |
Pleo |
|
6/10 |
| 8 | 10 | 8 | | | 8 | 10 | 7 | |
- Mistral Large 4 (#7) Popular European solution with simple card controls and real-time visibility.
- GPT-6 Luna (#8) User-friendly smart cards and expense automation make it a strong choice for many European businesses.
- Qwen 3.8 Flash (#8) Strong European choice combining cards and expense management.
- Kimi K3 (#8) User-friendly European corporate cards with excellent receipt capture and team controls.
- Gemini 4 Argon (#10) User-friendly smart company cards and automated receipt capture built for small European teams.
|
| 9 |
Emburse |
|
5/10 |
5 | 10 | | | | 9 | 10 | | | 8 |
- Claude Haiku 5.5 (#5) Solid expense reporting and card programs for mid-market and enterprise buyers.
- Nemotron 3 Ultra (#8) Flexible suite (Chrome River, Certify, Abacus) covering mid-market to enterprise
- GLM-5.3 (#9) Robust expense suite from Abacus-Ember.js-Chrome River merger; enterprise credibility.
|
| 10 |
Spendesk |
|
5/10 |
8 | 9 | 6 | | | | 9 | | 10 | |
- Gemini 4 Argon (#6) Excellent all-in-one spend management and virtual card solution tailored for European mid-market companies.
- Claude Haiku 5.5 (#8) Good spend management with virtual cards and budget controls, popular in Europe.
- GPT-6 Luna (#9) Combines virtual cards, invoice workflows, and expense management with strong approval controls.
|
| 11 |
Coupa |
|
4/10 |
| | | 9 | | 8 | | 9 | | 9 |
- GLM-5.3 (#8) Broader spend platform with solid expense modules for large enterprises.
- Nemotron 3 Ultra (#9) Procurement-led spend management with strong expense module for large organizations
|
| 12 |
Zoho Expense |
|
2/10 |
| | | 6 | 8 | | | | | |
- Qwen 3.8 Flash (#6) Affordable, solid expense tracking, great fit with Zoho Books.
- DeepSeek V4 Pro (#8) Best value for SMBs already in the Zoho ecosystem.
|
| 13 |
Carta |
|
1/10 |
| | | | | | | 4 | | |
- MiniMax M3 (#4) Not primarily expense management; skipped for stronger fits.
|
| 14 |
Mesh Payments |
|
1/10 |
| | | | 7 | | | | | |
- DeepSeek V4 Pro (#7) Strong card controls and spend orchestration for distributed teams.
|
| 15 |
Rippling |
|
1/10 |
| | 8 | | | | | | | |
- Gemini 4 Argon (#8) Ideal for unified HR and finance, tying corporate cards directly to employee role data.
|