Expense Tools Compared
Three ways to track company spending, two with corporate cards attached. Read the credit terms before you apply.
Written and reviewed by the BizCredX Editorial Team Figures checked October 13, 2026
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The Short Answer
- Software only, very cheapZoho Expense is free for up to 3 users and $4 per user a month on Standard.
- Free software plus a cardRamp's Free plan is $0 per user and includes a corporate card, subject to credit approval.
- Card with a credit lineBILL Spend & Expense is $0 per user, with advertised credit lines from $1,000 up, not guaranteed.
- Before you applyCheck whether each card requires a personal guarantee. Neither provider's pricing page says.
Side-by-Side Comparison
| Provider | Software price | Corporate card | Standout feature | Confirm before applying | Best for |
|---|---|---|---|---|---|
| Ramp | $0 per user (Free). Plus is $15 per user a month plus a platform fee based on team size. | Visa corporate card, subject to credit approval | Free plan includes accounts payable, accounts receivable and QuickBooks and Xero integrations. | Whether the card needs a personal guarantee, and whether it reports to business credit bureaus. | Sellers with a team spending on ads, freight and software |
| BILL Spend & Expense | $0 per user per month | BILL Divvy Card, with credit lines advertised from $1,000 to $5M, not guaranteed | Virtual card payments are free. Paying a bill by card costs 2.9%. | Eligibility, personal guarantee and bureau reporting aren't stated on the pricing page. | Sellers who want a real credit line with budgets attached |
| Zoho Expense | Free for up to 3 users. Standard is $4 per user a month ($3 annual), Premium $6 ($5 annual). | No corporate card in this review | Free plan includes 5 GB of receipt storage and 20 receipt scans per user per month. | Scan limits on the free plan. | Sellers who just want receipts and mileage organised |
Checked October 13, 2026 against each provider's own pages (listed under Sources). Prices, fees and rates change, so confirm on the provider's site before you apply.
Provider by Provider
Ramp
Spend, bills and invoices in one place
Best for: Sellers with a team spending on ads, freight and software
- Full free tier
- Unlimited cards with controls
- AP and AR tools included
- Paid tier adds a platform fee
- Credit terms are not on the pricing page
BILL Spend & Expense
Card-first spend management (formerly Divvy)
Best for: Sellers who want a real credit line with budgets attached
- No per-user subscription fee
- Budgets and virtual cards
- Large credit lines possible
- Credit line depends on approval
- Terms are not on the pricing page
Zoho Expense
Receipts and reports, no card
Best for: Sellers who just want receipts and mileage organised
- Lowest cost here
- No credit application needed
- No card or credit line
- Scan cap on the free plan
A Corporate Card Is a Credit Application
Ramp and BILL both advertise their software as free, but the cards that come with it are credit products. Applying means a credit decision, and depending on the terms it can involve a personal guarantee or a hard inquiry on your personal file.
Read our business credit card guides and the card comparison before applying, then ask each provider directly how the card is reported. Neither pricing page answers that question, so don't assume.
When Expense Software Starts to Matter
If you're a solo seller, a spreadsheet and your bank feed are probably enough. Once other people spend money for the business, such as a virtual assistant buying ads or a freight forwarder charging a card, receipts and approvals start going missing. That's the point to add a tool.
Other Names You'll Hear
Brex and Expensify come up often in this category. We covered the Brex card in the credit card comparison. We couldn't confirm current Expensify pricing from its own pages for this review, so we left it out rather than guess.
Ready to Open an Account?
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Frequently Asked Questions
Do I need expense software or just a card?
A card gives you spending data in a statement. Expense software adds receipts, approvals and accounting sync. If you only have one or two people spending, the statement may be enough.
Will these cards help build business credit?
It depends on whether the issuer reports to the business bureaus, which isn't stated on the pricing pages. Ask before you apply.
Is there a catch to the free plans?
The software is free, but cards are underwritten, optional features sit on paid tiers, and some payment methods carry fees, such as paying a bill by card on BILL.
Keep Comparing
This is informational, not financial advice. Vendor terms, card offers, and bureau reporting policies change, and a general guide can't account for your specific credit history or business situation. Confirm current terms directly with the issuer or vendor before applying. See our editorial policy for how we verify what we publish.