ExpenseOS vs. corporate cards & legacy expense tools

Q: Do we have to rip out our expense tool or corporate cards to use ExpenseOS?

No. ExpenseOS runs alongside what you already have and plugs into your existing accounting and HR systems. It handles expenses today - with travel, cards and benefits rolling out on the same platform - so most teams retire a separate expense subscription over time, but nothing has to be ripped out to get started.

Q: Is ExpenseOS a credit card or a line of credit?

No. ExpenseOS never lends and it is never a credit line. Your people are paid instantly; you settle one monthly statement - a standard trade payable, like any vendor invoice. No interest, no draw on your facilities, nothing lands as debt on your balance sheet.

Q: How does ExpenseOS compare on cost?

One rate: 1.5% of money moved, dropping to 1% on everything when you connect supplier payments. No seats, no setup fees, no contracts - you pay only when money moves. Because it replaces a separate expense tool and adds ~two weeks of float, it often costs less than the tool it retires.

Head to head

Three ways to run expenses. One is employee-first.

	The expense payments company	Corporate card platformsRamp, Brex and similar	Legacy expense toolsSAP Concur, Expensify and similar
Built around the employee, not the card or the report	✓ Employee-first by design	✗ Built around the company card	✗ Built around the expense report
Employees keep 100% of their card points	✓ Always, they pay on their own card	✗ Company card pockets the points	~ Personal card, but slow payback
Reimbursed the moment it’s approved	✓ Instant to the employee’s wallet	✓ Avoided entirely, spend sits on the card	✗ Days to weeks, batch runs
Your cash stays yours	✓ ~2 weeks avg, up to 30 days: paid in a minute, settled monthly	~ 1 week to a month by program, and the card program comes with it	✗ 0 days, your employees front it
Vendor payments lower your price	✓ Connect payments and the rate drops from 1.5% to 1% on everything	~ A rebate, on the sliver already on card	✗ No card economics at all
Expenses code themselves from the receipt	✓ Auto-coded to account, cost center & project	~ Category sync, you finish the coding	✗ Manual coding & journal entries
Lifestyle & benefits stipends (gym, healthcare, commuter)	~ Coming soon: benefits card with per-program purses	✗ Not offered	✗ Not offered
AI concierge inside Slack, Teams, Claude & ChatGPT	✓ Built in, human-in-the-loop	~ AI features, dashboard-first	✗ None
AI never moves money on its own	✓ Policy pays in-policy spend; a human takes every exception	~ Varies by vendor	✗ No AI in the loop
AI agents spend under your policy	~ Early access: per-agent budgets, policy before every payment	✗ A shared virtual card in the agent’s environment	✗ No concept of an agent
Auto-posts to your accounting system	✓ QuickBooks, NetSuite, SAP, Xero, Sage	~ Card feed sync	✗ Manual journal entries
Pricing	✓ 1.5% of money moved (1% with payments), no seats	~ Free to $15–30+ / user, varies	✗ Per-report + travel-desk fees

✓ Fully~ Partial / varies✗ Not really

Comparison reflects typical capabilities of each category, not any single named product.

Common questions

Switching, without the headache.

Corporate card platforms are built around the company card, so the company keeps the points and anyone without a card still files an expense report. ExpenseOS is employee-first: your team pays on their own card and keeps every point, expenses code themselves, and reimbursement lands the moment you approve, with a benefits card for stipends coming soon.

No. ExpenseOS runs alongside what you already have and plugs into your existing accounting and HR systems. It handles expenses today, with travel, cards and benefits rolling out on the same platform, so most teams retire a separate expense subscription over time, but nothing has to be ripped out to get started.

They get the same experience as everyone else. Because reimbursement is built in, there’s no split between staff with a company card and those floating costs on their own, everyone expenses, gets paid back within the minute, and keeps their own points.

No, ExpenseOS never lends and it’s never a credit line. Your people are paid instantly; you settle one monthly statement, a standard trade payable, like any vendor invoice. No interest, no draw on your facilities, nothing lands as debt on your balance sheet.

One rate: 1.5% of money moved, dropping to 1% on everything when you connect supplier payments. No seats, no setup fees, no contracts — you pay only when money moves. Because it replaces a separate expense tool and adds ~two weeks of float, it often costs less than the tool it retires. Run your numbers →

Named, and sourced

How does ExpenseOS compare to Ramp, Brex, Navan, Expensify and SAP Concur?

Every cell below comes from that company’s own public pages, checked on 16 September 2026. Where a company does not publish something, the cell says so rather than guessing. Where a rival beats ExpenseOS, it says that too. Pricing and features change, so check the source before you rely on it.

	ExpenseOS	Ramp	Brex	Navan	Expensify	SAP Concur
What the product is built around	Paying people back	A corporate card	A corporate card	Travel booking	The expense report	The expense report
Published entry price	1.5% of money moved, 1% with supplier payments connected	Free tier at $0 per user per month; Plus $15 per user per month plus a platform fee	Essentials at $0 per user per month; Premium $12 per user per month	Travel free for companies up to 300 employees; expense free for 5 users, then $15 per user per month	Not published in readable form on the day checked	Not published by SAP
Charges per seat	No, and no setup fee or contract	Yes, above the free tier	Yes, above the free tier	Yes, above the free allowance	Not published	Not published
Requires issuing a company card	No	A corporate card is the core of the free tier	A local card programme is included in the free tier	No, existing corporate cards can be connected	No	No
Published reimbursement timing	About a minute after an expense clears policy	Two days or less, in local currency	Reimbursement tracking, paid via payroll	Not published	Not published	Not published
Who earns the card rewards on work spend	The employee, because they pay on their own card	The company programme, on company card spend	The company programme, on company card spend	Depends on the card connected	Depends on the card used	Depends on the card used
Free for an individual employee to use alone	Yes, the expense agent in ChatGPT and Claude	No, it is bought by the company	No, it is bought by the company	No, it is bought by the company	Not published	No, it is bought by the company

That rewards row is a statement about how issued cards work, not a criticism of anyone. A corporate card account belongs to the company that opened it, so points, miles and cashback earned on it accrue to the company's programme rather than to the person who happened to travel. Every card-led platform works this way, including the ones that pass a rebate back. ExpenseOS is different only because the card is the employee's own.

Ramp

A card-led spend platform with real depth. Its pricing page lists a free tier at zero per user, with the corporate card, travel and expense, reimbursements and accounts payable included, then Plus at $15 per user per month plus a platform fee. Its reimbursements page says people can be paid back in two days or less in their local currency. If you want a corporate card programme with strong automation on top and the company keeping the rebate, Ramp is a serious product and ExpenseOS is not trying to be it.

Brex

The other card-led platform. Brex publishes an Essentials tier at zero per user per month that includes reimbursements and one local card programme, Premium at $12 per user per month, and custom Enterprise pricing. It advertises competitive card rewards across tiers and lists reimbursement tracking paid via payroll. Strongest for companies that want a card programme with global entity coverage.

Navan

Travel first, expense second. Navan publishes a free tier for companies up to 300 employees for travel, and expense free for the first five users then $15 per user per month. It supports connecting existing corporate or business credit cards rather than requiring you to switch. If booking travel is the problem you are solving, Navan is built for that and ExpenseOS's travel product is not live yet.

Expensify

Long-established expense report software, and the one with the most mature AI connector: its Model Context Protocol server works with ChatGPT and Claude, though its own documentation says that server is read-only and cannot approve reports, edit expenses, reimburse payments or manage workspace settings. Its pricing page did not return readable content when we checked, so we do not quote a price for it.

SAP Concur

The enterprise standard, and the one most likely to already be installed where you work. It handles scale, multi-entity structures, audit and compliance requirements that a younger product simply does not cover. SAP does not publish list pricing, so we do not quote one. If your company runs Concur because procurement and audit require it, that decision is rarely about the expense experience and ExpenseOS is not going to displace it.

When you should buy one of the others

You actually want a corporate card programme. ExpenseOS's whole model is that employees spend on their own cards, so if the goal is issuing company cards with controls on them, Ramp and Brex are built for that and ExpenseOS is not.
Travel booking is the thing you are buying. Navan is a travel platform with expense attached. ExpenseOS's travel product is not live yet.
You need enterprise procurement, multi-entity consolidation and a compliance regime to match. SAP Concur exists for that and has for a long time.
You want accounts payable, treasury, and corporate cards in one system. Ramp's free tier alone covers more surface area than ExpenseOS does.
Your finance team has already standardised on one of these and is happy. The cost of switching is real and rarely worth it for the expense experience alone.
You want the strongest read-only AI connector for querying existing expense data. Expensify shipped that earlier and it is good at it.

Ramp alternative Brex alternative Navan alternative Expensify alternative SAP Concur alternative

About this comparison. ExpenseOS is an independent product and is not affiliated with, endorsed by, or sponsored by any company named on this page. All trademarks belong to their owners and are used here only to identify those products. Every comparative statement is drawn from that company's own public pages on the date shown, and pricing and features change: check the source before relying on it. If something here is out of date or wrong, tell us and we will correct it.

The employee-first expense platform.