Yes, though it is a different model rather than a cheaper copy. Ramp is built around a corporate card, and its free tier includes that card. ExpenseOS has no card at all: your people pay on the cards they already carry, keep every point and mile, and are reimbursed about a minute after an expense clears policy. Ramp publishes reimbursement in two days or less.
Prefer to try before you talk to anyone? Your team can use the free expense agent today →
Ramp is a strong card-led platform. Its pricing page lists a free tier at zero per user that includes the corporate card, travel and expense, reimbursements and accounts payable, then Plus at $15 per user per month plus a platform fee. For a company that wants a card programme with heavy automation on top, that is a genuinely good offer and ExpenseOS does not try to match its surface area.
But a corporate card is a corporate card. The account belongs to the company, so the rewards earned on it accrue to the company's programme rather than to the person who took the trip. That is not a criticism of Ramp, it is how issued cards work everywhere.
ExpenseOS inverts it. There is no card to issue, because employees use their own. The company gets clean coding and one monthly statement, the employee gets their points and their money back in about a minute, and the bill is a percentage of money moved rather than a per-seat fee.
Every cell 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, and where a rival beats ExpenseOS the table says that too. Prices change: 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.
A comparison that never concedes anything is not worth reading. If one of these describes you, the other product is the better purchase.
Only if they pay on their own card, which is what ExpenseOS is built around. A corporate card account belongs to the company that opened it, so rewards earned on it accrue to the company's programme no matter which platform manages the card. With ExpenseOS the employee pays on their personal card and keeps every point, mile and cashback, and is reimbursed once the expense clears policy.
About a minute after an expense clears policy, into the employee's ExpenseOS wallet, from where they can move it to their bank whenever they like. For comparison, the fastest timing any major competitor publishes is Ramp's two days or less.
1.5% of money actually moved, dropping to 1% on everything once supplier payments are connected. There are no seat fees, no setup fees and no contracts, so the bill tracks usage rather than headcount. Employees can use the free expense agent in ChatGPT and Claude at no cost at all.
No, and that is the point. There is no card programme to underwrite, distribute, freeze or reconcile. Your people spend on the cards they already carry, and you settle one monthly statement.
On one monthly statement. People are paid back almost immediately, and the company settles later in a single run, so the employee is not financing the business and the company is not prefunding a card balance.
No. Plenty of teams start by letting people use the free expense agent in ChatGPT or Claude while the existing system stays exactly where it is. If the paid platform makes sense later, it runs alongside your accounting stack rather than replacing it.
Not yet. Travel booking is in development and not live, so if booking flights and hotels is the problem you are buying for today, a travel-first platform like Navan is the better fit and we would rather say so.
Yes. The ExpenseOS Agent is free in ChatGPT and Claude, needs no company account, and lets an individual file a real expense report with a one-click approval link to their manager. It is the cheapest possible way to see whether the model suits your people.
The savings calculator uses your headcount and spend. A demo takes twenty minutes and we will tell you if you are better off with something else.
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.