How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Expensify and Zoho Expense suit small and mid-size teams that need simple receipt capture and approvals.
- Ramp and Brex combine corporate cards with expense management, which suits startups and growing companies.
- BILL Spend and Expense, formerly Divvy, suits teams that want cards plus budgeting controls.
- SAP Concur suits large enterprises with complex travel and expense policies.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Expensify | Simple receipt capture | Free | Yes |
 Ramp | Cards plus expenses | Free | Yes |
 Brex | Startup cards and expenses | Free | Yes |
 BILL Spend and Expense | Cards plus budgets | See website | No |
 Zoho Expense | Budget team expenses | Free | Yes |
 SAP Concur | Enterprise travel expenses | See website | No |
 Rydoo | International teams | See website | Free trial |
 Fyle | Fast receipt automation | See website | Free trial |
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The best apps for business expenses
#1Expensify
Best for: Simple receipt capture4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting priceFree
Free planYes
Expensify is the simplest expense app for small teams, with SmartScan receipt capture that reads a photo of a receipt and creates an expense automatically. Employees submit expenses from their phones, managers approve in one tap, and accounting exports flow to QuickBooks, Xero, and other systems. That simplicity suits teams that truly hate expense paperwork.
Advanced features such as corporate cards, deep approvals, and advanced reporting sit on paid plans, and pricing varies by tier. A free tier covers basic use. For a small business that wants expenses done with minimal training, Expensify is the easiest starting point, and its free tier lets a tiny team start without any budget approval at all.
What we like- SmartScan receipt capture
- Easy approvals
- Good for small teams
Watch out for- Advanced features need paid plans
- Pricing varies by plan
#2Ramp
Best for: Cards plus expenses4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting priceFree
Free planYes
Ramp combines corporate cards with expense management, so spending, receipts, and approvals live in one system. Cards carry built-in controls by category, vendor, and amount, receipts match automatically, and finance teams see spending in real time rather than at month end. That combination helps startups control burn without heavy process.
Ramp is US-focused, so international teams may find coverage limited, and some advanced features sit on paid tiers. The core platform is free, with revenue from card interchange. For a US startup or growing company that wants cards and expenses together, Ramp is a strong pick, especially when finance needs real-time visibility rather than month-end surprises.
What we like- Free corporate cards
- Automatic receipt matching
- Strong spend controls
Watch out for- US-focused
- Some features need higher tiers
#3Brex
Best for: Startup cards and expenses4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting priceFree
Free planYes
Brex also pairs corporate cards with expense management, targeting startups and growing companies with rewards, automatic receipt capture, and spend controls. Employees spend on Brex cards, expenses appear automatically, and finance teams approve and reconcile without chasing paper receipts. Integrations cover major accounting systems.
Eligibility requirements apply, and international coverage varies, so global teams should check availability. The core platform is free, with premium tiers for advanced features. For a venture-backed startup that wants cards, rewards, and expenses in one place, Brex is a natural fit.
What we like- Corporate cards with rewards
- Automatic expense capture
- Good for startups
Watch out for- Eligibility requirements
- International coverage varies
Starting priceSee website
Free planNo
BILL Spend and Expense, formerly Divvy, gives teams corporate cards tied to budgets, so each department or project spends against a live budget rather than a monthly guess. Finance sees spending in real time, approvals flow by budget owner, and accounting syncs with popular systems. That budget-first design suits mid-size companies that need control without heavy bureaucracy.
There is no permanent free tier, and setup takes time to configure budgets and approvals. Pricing is published on the vendor site. For a mid-size team that wants cards plus real budget discipline, BILL Spend and Expense is a strong choice for controlling spend by department.
What we like- Cards with budget controls
- Real-time spend visibility
- Good for mid-size teams
Watch out for- No permanent free tier
- Setup takes time
#5Zoho Expense
Best for: Budget team expenses4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting priceFree
Free planYes
Zoho Expense suits budget teams, especially those already using Zoho Books or Zoho CRM. Receipt capture, mileage tracking, and approvals cover the core expense job, and the free tier handles basic use for small teams. Multi-currency support helps international teams, and accounting integration keeps finance work simple.
Card options are fewer than Ramp or Brex, since Zoho Expense is primarily an expense tracker rather than a card issuer, and advanced features sit on paid tiers. For a small business that wants capable expense tracking at low cost, especially inside the Zoho suite, Zoho Expense gives good value.
What we like- Low cost
- Good receipt capture
- Fits Zoho suite users
Watch out for- Fewer card options than Ramp or Brex
- Advanced features need paid tiers
#6SAP Concur
Best for: Enterprise travel expenses4.0/5 on
G2 (7,226 reviews, checked Oct 2026)
Visit concur.com
Starting priceSee website
Free planNo
SAP Concur is the enterprise standard for travel and expense, combining travel booking, expense reports, and invoice management with deep policy controls. It enforces company travel policies automatically, handles global tax and currency rules, and integrates with SAP and other ERP systems. That depth suits large companies with thousands of traveling employees.
Pricing is enterprise-level, and setup needs expertise, so small teams will find Concur heavy and expensive. For a large enterprise with complex travel policies and global operations, Concur gives the most complete and compliant platform on this list.
What we like- Deepest enterprise travel and expense features
- Strong policy controls
- Global coverage
Watch out for- Enterprise pricing and complexity
- Setup needs expertise
#7Rydoo
Best for: International teams4.4/5 on
G2 (743 reviews, checked Oct 2026)
Visit rydoo.com
Starting priceSee website
Free planFree trial
Rydoo suits international teams, with strong multi-currency support, per-diem calculations for many countries, and a mobile app that handles receipts on the go. Approvals are simple, expense policies adapt to local rules, and accounting integrations cover major systems. That international focus sets Rydoo apart from US-centric rivals.
US presence is smaller than Expensify or Ramp, and advanced features sit on higher tiers. Pricing is tiered and published on the vendor site, with a free trial. For a company with employees traveling across many countries, Rydoo handles per-diems and currencies better than most rivals.
What we like- Strong multi-currency and per-diem support
- Good mobile app
- Simple approvals
Watch out for- Smaller US presence
- Advanced features need higher tiers
#8Fyle
Best for: Fast receipt automation4.6/5 on
G2 (1,821 reviews, checked Oct 2026)
Visit fylehq.com
Starting priceSee website
Free planFree trial
Fyle, now part of Sage and known as Sage Expense Management in some materials, automates receipt capture through everyday apps such as Gmail, Outlook, Slack, and WhatsApp, so employees submit expenses without opening a separate app. That low-friction design raises submission rates, and accounting integrations keep finance work smooth.
As a Sage company, Fyle roadmap may shift toward Sage products, which existing users should watch, and pricing varies by tier. A free trial is available. For a team whose main problem is getting employees to submit receipts at all, Fyle lowest-friction approach is worth testing before buying a heavier platform.
What we like- Receipts via everyday apps
- Fast automation
- Good accounting integrations
Watch out for- Now part of Sage, so roadmap may change
- Pricing varies by tier
How we chose
We compared vendor pricing pages, product documentation, and public user reviews, and we judged each tool on receipt capture, approvals, cards, policy controls, accounting integrations, ease of use, and price. Card-first tools were judged on cards plus expenses together, while tracker tools were judged on tracking alone, since the two models differ. We did not claim hands-on testing. Where pricing varied by tier or seat count, we wrote See website rather than publish a figure that could mislead.
What to check before you pick
Start with your model: a tracker for reimbursing employee spending, or a card platform that controls spending before it happens. Trackers suit companies where employees spend their own money and claim it back, while card platforms suit companies that want real-time control and no reimbursement delays. Check receipt capture quality, since a tool that misreads receipts creates manual work that defeats its purpose.
Also check approval workflows, including multi-level approvals, delegation when managers are away, and policy flags for out-of-policy spending. Check accounting integration with your exact system and chart of accounts, since a poor integration creates month-end pain. Check international needs, including currencies, per-diems, and tax rules, if your team travels globally.
A further check matters for fraud and compliance: confirm how the tool detects duplicate receipts, split transactions, and personal spending, and whether it keeps an audit trail that satisfies your auditors. Ask how long receipt images and reports are retained, and whether exports include the original receipt for tax purposes, since tax authorities in many regions require receipt evidence for years. Teams that confirm these details before buying avoid painful surprises at audit time.
Finally, run a trial with real employees and real expenses, not demo data, and measure submission time, approval time, and finance reconciliation time. A tool that looks fast in a demo can feel slow when fifty employees submit expenses on the last day of the month, and that month-end surge is where weaker tools show their limits. Compare trial numbers with your current process before committing to an annual plan. Also confirm mobile offline behavior, since employees often photograph receipts in airports, taxis, and restaurants with weak signal, and an app that loses receipts offline will frustrate the very people whose compliance you need most.
Frequently asked questions
What is the best business expense app overall?
Expensify suits small teams that want simple tracking, while Ramp and Brex suit startups that want cards plus expenses. SAP Concur suits large enterprises, and Zoho Expense suits budget teams, so the best tool follows your company size and model.
Are corporate card platforms really free?
Ramp and Brex core platforms are free to use, earning revenue from card interchange rather than subscriptions. Premium features, advanced controls, and some integrations sit on paid tiers, so check which features your finance team needs before assuming everything is free.
How do receipt capture tools work?
Employees photograph a receipt, and the tool reads the vendor, date, amount, and tax using optical character recognition, then creates an expense automatically. Accuracy varies by receipt quality, so always review captured amounts before approval, especially for handwritten or faded receipts that confuse character recognition.
Can expense apps handle international travel?
Yes, but check multi-currency support, per-diem rules, and tax handling for each country your team visits. Rydoo and SAP Concur handle international rules best, while US-focused card platforms may cover fewer countries.
How long should expense records be kept?
Retention rules vary by country and tax authority, but many regions require expense and receipt records for several years. Confirm your local rules, check the tool retention and export options, and keep an independent backup of tax-relevant records outside any single platform.
What is the difference between Divvy and BILL Spend and Expense?
Divvy was acquired by BILL and rebranded as BILL Spend and Expense, so they are the same product under a new name today. Existing Divvy users were migrated to the BILL platform, and new buyers today should look for BILL Spend and Expense.
Sources we checked (8)
- https://www.expensify.com
- https://www.ramp.com
- https://www.brex.com
- https://www.bill.com
- https://www.zoho.com
- https://www.concur.com
- https://www.rydoo.com
- https://www.fylehq.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.