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. Keep the corporate cards: upload the card program's statement and ExpenseOS matches and codes every line, at no charge. It handles travel, expenses and supplier payments today, with 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 weekly statement: a standard trade payable, like any vendor invoice. No draw on your facilities, nothing lands as debt on your balance sheet.

Q: How does ExpenseOS compare on cost?

No software fee, no seats. Half a point on payments made without a card; card payments earn cashback of 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later, netted against one weekly statement. Because it replaces a separate expense tool and retires report processing, it often costs less than the tool it retires.

Head to head

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

	Agentic Travel & Expense Management	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	✓ Paid in a minute, settled weekly, never a credit line	~ 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	✓ Card payments to suppliers earn cashback against your weekly statement	~ 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
In-policy travel built in	✓ Flights, hotels and cars, every result checked against your policy	~ Built in, booked on the company card	~ Usually a separate travel product
Lifestyle & benefits stipends (gym, healthcare, commuter)	~ Coming soon: benefits card with per-program purses	✗ Not offered	✗ Not offered
AI concierge inside Claude & ChatGPT (Slack & Teams soon)	✓ 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, Xero, NetSuite, Sage Intacct, Dynamics	~ Card feed sync	✗ Manual journal entries
Pricing	✓ 0.5% on non-card payments, up to 1% back on card 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 people are paid about a minute after an expense clears policy, 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. Keep the corporate cards: upload the card program’s statement and ExpenseOS matches and codes every line, at no charge. It handles travel, expenses and supplier payments today, with 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 weekly statement, a standard trade payable, like any vendor invoice. No draw on your facilities, nothing lands as debt on your balance sheet.

No software fee, no seats. Half a point on payments made without a card; card payments earn cashback of 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later, netted against one weekly statement. Because it replaces a separate expense tool and retires report processing, 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 1 November 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	0.5% on non-card payments; card payments earn 1% cashback for founding customers, 0.75% for later signups; weekly settlement; no software fee	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	Base from $7 per report, Plus from $11 per report; Premium on request
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	No, unlimited users on every plan; priced per report
Requires issuing a company card	No	A corporate card is the core of the free tier	A local card program is included in the free tier	No, existing corporate cards can be connected	No	No
Works alongside an existing corporate card program	Yes. Upload the program's statement and ExpenseOS matches and codes every line, at no charge; you pay only when ExpenseOS moves money.	Its Amex comparison describes moving spend to Ramp, some teams keeping executives on Amex while they switch; importing another program's transactions is not published	Not published	Yes. Navan Connect links existing Visa, Mastercard and American Express corporate cards	Yes. It connects the company cards you already have and imports their transactions automatically	Yes. Its corporate card integration brings card transactions in automatically
Published reimbursement timing	About a minute after an expense clears policy	Two days or less, in local currency	Reimbursement tracking, paid via payroll	Within days, via payroll or direct to a bank account	Typically one business day for eligible US payments under $100; four to five by standard ACH	Not published
Who earns the card rewards on work spend	The employee, because they pay on their own card	The company program, on company card spend	The company program, 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	Yes, its free features need no company workspace	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 program 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 program 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 program, 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 program 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 a travel-first platform is what you are buying, Navan is built for that; ExpenseOS travel finds flights, hotels and cars, checks each against your policy and has people book on their own cards.

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. It is also built to work with the cards a company already has: its own pages describe connecting existing company cards, through direct bank connections or Visa, Mastercard and American Express commercial feeds, with their transactions importing automatically. 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's Concur Expense page lists Base from $7 per report and Plus from $11 per report, in US dollars and varying with monthly commitment, with unlimited users and Premium priced on request. 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 program. The whole ExpenseOS 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.
A travel platform is the thing you are buying. Navan is travel first, with expense attached; ExpenseOS travel finds flights, hotels and cars and checks them against your policy, and people book on their own card, inside an expense product.
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 bill approvals, treasury and corporate cards in one system. Ramp's free tier alone covers more surface area than ExpenseOS does.
Your finance team has already standardized 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.
You want an existing corporate card program's transactions flowing into your expense reports automatically. Expensify's own pages describe connecting the cards you already have and importing their transactions automatically, and SAP Concur and Navan publish card integrations too. ExpenseOS works from the program's statement instead: you upload it, and every line is matched and coded.

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. Cashback rates on very large single payments are confirmed at onboarding.

The employee-first expense platform.