Ramp vs Divvy: BILL Spend and Expense Pricing

Ramp and Divvy are the same shortlist entry for most US finance teams, and the software price comparison ends before it starts. Divvy, now sold as BILL Spend & Expense, is $0 per user per month with no paid tier at all. Ramp Free is also $0, but the tier most companies actually want, Ramp Plus, is $15 per user a month, or $12.00 with the published 20 percent annual discount, plus a platform fee Ramp scales to team size and never quantifies. On the line item labeled software, Divvy cannot lose.

That is also why the software line is the wrong place to run this comparison. Divvy is not really sold as software, it is sold as a credit line with free software attached, and the price you pay for it is set in underwriting rather than on a pricing page. Every figure below was read from bill.com and ramp.com and their own support and legal documentation in September 2026, in the US view.

Ramp vs Divvy pricing, side by side

Read that table one more time and notice which column is missing which number. Ramp publishes its entry bar and hides its platform fee. BILL publishes its fee, which is zero, and hides its bar entirely. Neither company is being evasive exactly, but you cannot build a cost model from either pricing page alone, and the thing you cannot see is different in each case.

Is Divvy really free?

The software is, and BILL says so in unusually plain language. Its pricing page states that the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking and access to credit lines from $1,000 to $5M, that the product is free from subscription and per user software fees, and that you can add cardholders and submitters without increasing your monthly software bill. That is about as unambiguous as vendor copy gets, and it is not a promotional rate.

What pays for it is the card. Divvy earns interchange every time an employee swipes, so the more spend you route through the BILL Divvy Card, the more the free software is worth to BILL. That is a perfectly normal model and it is the same economics behind Ramp Free. It just means the honest question is not whether the software is free but whether you are willing to move your card program, because a company that keeps its spend on an incumbent Amex or a bank card and uses Divvy only for reporting is a customer neither side is happy with.

Two adjacent costs are genuinely not free and get missed. BILL Accounts Payable and Accounts Receivable are separate paid subscriptions priced per user, so a company buying BILL to replace both its card program and its AP workflow is not buying a $0 product. And on the AP side BILL publishes per transaction charges of its own, including $19.99 for a two day payment, $14.99 for three day, and $25.00 to void a check. None of those touch Spend & Expense, but they land on the same invoice.

Which is easier to qualify for?

This is the real comparison and almost nobody runs it. Ramp publishes a hard, checkable threshold: at least $25,000 in cash in a US business bank account, a corporation, LLC or LP rather than a sole proprietorship, a US physical address that is not a PO box or a registered agent, and an EIN. Nonprofits are welcome. There is no personal credit check and no personal guarantee. You can read that list and know before you apply whether you clear it.

BILL publishes no equivalent threshold for Spend & Expense. What it publishes instead is a range, $1,000 to $5M, with the footnote that credit lines are not guaranteed and will be determined upon application approval. A $1,000 floor is a meaningful signal, because it implies BILL will approve businesses far smaller than the ones Ramp will take. But it also means the answer to what limit you get is genuinely unknown until you apply, and a $1,000 line on a company that spends $40,000 a month is not a corporate card program.

So the practical split runs like this. A company with $30,000 in the bank and modest monthly spend clears Ramp comfortably and should probably take the charge card. A younger or thinner company that will not clear $25,000 in cash has no path at Ramp and does have one at BILL, at whatever limit the underwriting gives it. Ask BILL for the indicative limit before you migrate anything, and treat that number, not the $0, as the price.

What about travel?

Ramp is explicit and it is the strongest written commitment in this category: zero platform fees and zero booking fees on Ramp Travel, stated to hold no matter how many employees are on the platform or how many trips they book, with Priceline behind the inventory. If your team books a lot of travel, that is worth real money against any platform charging per trip.

BILL lists travel management under Spend & Expense but does not publish a booking fee, trip fee or platform fee for it anywhere we could find, and we are not going to invent one. If travel volume matters to your decision, that is a question for the demo, and the answer belongs in writing in the contract rather than in a sales email. For context on what the rest of the market charges, our breakdown of corporate travel booking fees sets out the per transaction rates the traditional travel management companies still run on.

Ramp vs Divvy vs Brex

These three come up together often enough that the three way search is its own query. The quick version: Divvy is the only one of the three with no paid software tier at all, Brex Premium is $12 per user a month with an unpublished trip fee on travel, and Ramp Plus is $15 or $12.00 annually with an unpublished platform fee. On eligibility the order inverts, because Brex sets the highest bar of the three, asking funded startups for a $50,000 minimum cash balance and commercial applicants for more than $500,000 in annual revenue.

Which means the vendor with the cheapest published seat price is the hardest to open an account with, and the one with no seat price at all is the easiest. We take that pair apart properly in Ramp vs Brex, including why the $15 against $12 headline disappears once you apply Ramp's annual discount.

The accounting side, which decides more of this than either pricing page

Both platforms sync to QuickBooks, Xero, NetSuite and Sage Intacct, and both will tell you the sync is the reason to buy. In practice the thing that breaks a card migration is not the sync, it is the tail: the vendor cards nobody moved, the owner's personal card used for a deposit, the regional bank account with no direct feed. Those transactions still have to land in the ledger in the same period as everything else, and if they arrive as a PDF you are either rekeying them or you need a way to turn the statement into a file your accounting software will import. Budget an afternoon for that tail in month one and the migration stops looking like a failure in week two.

The other thing worth doing before you sign either contract is counting your actual card users rather than your headcount. Ramp Plus is priced per user, so a 60 person company where 18 people hold cards and the rest only submit the occasional reimbursement is a very different bill depending on how the vendor defines a billable seat. Divvy sidesteps that question by charging nothing for either. Ask Ramp the question directly, in writing, because the platform fee based on team size is the one number neither the pricing page nor the sales deck will put a figure against.

So which one should you pick?

Take Divvy if you want a corporate card program with no software line on the budget, you are comfortable that the credit limit is decided in underwriting rather than published, and you do not need the AP product bundled in. It is the correct answer for a lot of small and mid sized US companies, and the $0 is not a trick.

Take Ramp if you clear the $25,000 cash bar, you want a charge card rather than a credit line, and travel volume matters, because the written zero fee travel commitment is genuinely unusual. Start on Ramp Free rather than Plus, run it for a quarter, and only pay for Plus when you can name the specific control you are missing. Most companies that upgrade immediately are buying an approval workflow they had not yet designed.

And if the reason you are shopping is travel rather than cards, neither of these is really the product you are comparing. Our pillar on corporate travel software pricing covers what Navan, SAP Concur, TravelPerk and the global travel management companies charge, which is a different market with a different fee structure. TripAgent.ai is not in that market either. It writes and prices a day by day itinerary, from $19 a month, and has no cards, no expense product and no booking.