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™ needs no company 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.
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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 program 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 program 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 program to run, because employees use their own. The company gets clean coding and one weekly 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 Ramp cell comes from Ramp's own public pages, checked on 1 November 2026. Where Ramp does not publish something, the cell says so. Prices change, so check the source before relying on a figure.
| ExpenseOS | Ramp | |
|---|---|---|
| What the product is built around | Paying people back | A corporate card |
| 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 |
| Charges per seat | No, and no setup fee or contract | Yes, above the free tier |
| Requires issuing a company card | No | A corporate card is the core of the free tier |
| 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 |
| Published reimbursement timing | About a minute after an expense clears policy | Two days or less, in local currency |
| Who earns the card rewards on work spend | The employee, because they pay on their own card | The company program, on company card spend |
| Free for an individual employee to use alone | Yes, the expense agent in ChatGPT and Claude | 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.
One cost no pricing page shows: what non-compliance itself costs. Travelers who book out of policy cost $2,881 more per year each, and one in five expense reports comes back with errors (GBTA Foundation). ExpenseOS is built so those leaks cannot open: every purchase is approved against live budgets and live market prices before the money moves.
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.
This page compares ExpenseOS with one platform. The full comparison, with Ramp, Brex, Navan, Expensify and SAP Concur in one table, is on the compare page.
Yes. A common setup keeps corporate cards for the people and categories that need them, and uses ExpenseOS for everyone else's out-of-pocket spend and reimbursement. The two do not conflict, because ExpenseOS works on the cards people already carry. Running both costs nothing extra on the ExpenseOS side: there are no seats and no software fee, and ExpenseOS earns nothing on spend it does not move.
Yes. ExpenseOS works alongside the card and payment programs you already have. Upload the program's statement and ExpenseOS reads every line, checks it against the statement's own totals, matches it to the expenses and receipts it already holds and asks cardholders only about what's left. There are no seats and no software fee, and a card program's statement carries no fee, so running ExpenseOS next to an existing program costs nothing; you pay only when ExpenseOS moves money for you. Ramp's own comparison with American Express presents Ramp as the alternative to an existing Amex program: it describes more than 11,500 businesses moving from Amex to Ramp, some keeping their executives on Amex while they switch, and its help center describes uploading 90 days of an old card provider's transactions to find the recurring vendors to move onto Ramp cards. Whether Ramp imports another card program's transactions on an ongoing basis is not published on its pages.
Not always, and it is worth being straight about that. Ramp publishes a free tier at $0 per user. ExpenseOS charges 0.5% on payments made without a card, with no software fee and nothing per seat, and card payments earn up to 1% cashback, credited weekly against the statement, and it can pay out. Rates on very large single payments are confirmed at onboarding. Which is cheaper depends on your volume and on whether you want a card program. The bigger difference is the model: who holds the card, and who keeps the rewards.
On a company card, the card account belongs to the company, so rewards earned on it accrue to the company's program. That is how issued corporate cards work generally, not something specific to Ramp. ExpenseOS takes a different approach: the employee pays on their own card and keeps every point.
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 program 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 timings competitors publish are measured in days: Ramp says two days or less, and Expensify typically one business day for eligible US payments under $100 and four to five business days by standard ACH.
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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.