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
- Divvy is now BILL Spend & Expense, acquired by BILL in 2021, with software at $0 per user funded through interchange.
- Ramp and Brex lead the free-tier race: corporate cards, expense management, and bill pay at $0 for startups that qualify.
- Navan is the natural pick when travel and expenses need to live in one booking flow, with expense plans from $15 per user per month.
- Expensify remains the most flexible option for companies wanting to keep existing cards while automating receipts, from $5 per user per month.
- SAP Concur and Airbase serve enterprises with complex policies, audits, and multi-entity structures, both quote-based.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Ramp | Startups and growth companies, free automation | $0 | Yes |
 Brex | Startups and mid-market, free essentials | $0 per user per month | Yes |
 Navan | Travel-heavy teams | $15 per user per month | Yes |
 Expensify | Keeping existing cards, receipt automation | $5 per user per month | Yes |
 Zoho Expense | Budget teams and Zoho users | $4 per active user per month | Yes |
 Spendesk | European and cross-border teams | See website | No |
 SAP Concur | Large enterprises, complex policies | See website | No |
 Airbase | Mid-market procure-to-pay control | See website | No |
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The best Divvy alternatives
#1Ramp
Best for: Startups and growth companies, free automation4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting price$0
Free planYes
Ramp is the fastest, easiest way to manage expenses in comparison data, with an unlimited free tier covering expense management, corporate cards, and travel booking. It suits businesses of any size looking to save time and money through automation, and its 4.8 rating on G2 reflects strong user satisfaction.
The free tier removes the software cost barrier for startups, while Plus at $15 per user per month plus a platform fee adds advanced features. Enterprise pricing is custom for larger deployments.
Ramp's per-user pricing at scale can grow, and its vendor-authored comparisons may favor itself, so verify claims against independent reviews. Pick Ramp when free automation leads. Pick Brex when global multi-entity needs lead.
What we like- Unlimited free tier
- Expense management, corporate cards, and travel booking
- Automation saves time and money
Watch out for- Plus $15 per user per month plus platform fee
- Enterprise pricing custom
- Per-user cost at scale
#2Brex
Best for: Startups and mid-market, free essentials4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting price$0 per user per month
Free planYes
Brex Essentials costs $0 per user and covers corporate cards, expense management, bill pay, accounting integrations, and up to two entities. It suits startups and mid-market companies wanting free spend management with a path to global capabilities.
Premium at $12 per user per month adds advanced approval workflows, multi-entity support for US and international entities, and customizable ERP and HRIS integrations. Enterprise is custom-priced for local card issuance and unlimited entities.
The deepest global capability sits in premium tiers with spend minimums and subscription fees, so genuine cross-border operations should budget for Premium. Pick Brex when free essentials with a global path lead. Pick Ramp when pure free automation leads.
What we like- Essentials $0 per user
- Cards, expenses, bill pay, and accounting integrations
- Up to two entities
Watch out for- Premium $12 per user per month for advanced features
- Deepest global features gated behind premium
- Spend minimums on premium
#3Navan
Best for: Travel-heavy teams4.7/5 on
G2 (9,297 reviews, checked Oct 2026)
Visit navan.com
Starting price$15 per user per month
Free planYes
Navan, formerly TripActions, is the natural pick when travel and expenses need to live in one booking flow, with bookings flowing directly into expense workflows. Travel booking itself is free, while the expense plan costs $15 per user per month with the first 5 users free.
For travel-heavy teams, that integration removes the reconciliation gap between booked trips and submitted expenses. Cards and expense management complete the loop, so a trip's costs appear automatically.
Companies with limited employee travel gain less from the travel-first model, and banking depth trails Ramp and Brex. Pick Navan when travel-heavy spending leads. Pick Ramp when general spend automation leads.
What we like- Travel booking and expenses in one flow
- Expense plan $15 per user per month
- First 5 users free on expense plan
Watch out for- Travel-first model less valuable without travel
- $15 per user per month beyond free users
- Less banking depth
#4Expensify
Best for: Keeping existing cards, receipt automation4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting price$5 per user per month
Free planYes
Expensify remains the most flexible option for companies wanting to keep their existing corporate cards while automating receipts, with SmartScan technology capturing receipt entry and categorization automatically. Collect costs $5 per user per month and Control $9, with a free tier for individuals.
That flexibility suits teams whose banks or card programs cannot change: Expensify layers automation on top of existing cards rather than requiring a new card program. Invoicing and travel features add breadth beyond expense reports.
The core strength is expense reporting rather than a unified banking and treasury platform, so card-first automation trails Ramp and Brex. Pick Expensify when keeping existing cards leads. Pick Ramp when a new card program leads.
What we like- SmartScan receipt automation
- Keep existing corporate cards
- Collect $5 and Control $9 per user per month
Watch out for- Core strength is expense reporting, not unified banking
- Less card-first automation than Ramp
- Free tier for individuals only
#5Zoho Expense
Best for: Budget teams and Zoho users4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting price$4 per active user per month
Free planYes
Zoho Expense suits budget-conscious teams and Zoho users, with a free version for up to 3 users and 20 scans per month, and paid plans from $4 per active user per month billed annually. Standard and Premium appear at $5 and $9 per user per month in some comparisons, so confirm the current tier.
The Zoho ecosystem integration suits teams already on Zoho Books or CRM, keeping expenses connected to accounting. For a small team, the free version covers early expense needs without commitment.
Card depth trails Ramp and Brex, since Zoho Expense is expense software first. Pick Zoho Expense when budget and Zoho integration lead. Pick Expensify when receipt automation leads.
What we like- Free version for up to 3 users and 20 scans monthly
- $4 per active user per month annual billing
- Zoho ecosystem
Watch out for- Standard $5 and Premium $9 in some comparisons
- Seat and usage limits on free tier
- Less card depth than Ramp
#6Spendesk
Best for: European and cross-border teams4.6/5 on
G2 (425 reviews, checked Oct 2026)
Visit spendesk.com
Starting priceSee website
Free planNo
Spendesk suits businesses operating across borders, particularly European finance teams, with cards, invoice processing, reimbursements, approvals, and multi-entity capabilities. Multi-currency support handles cross-border spending that US-centric platforms handle poorly.
For a European team with entities in several countries, Spendesk's local compliance and currency handling matter more than a free US tier. The platform covers the full spend cycle from request through reimbursement.
Pricing is custom, and card availability and compliance support vary by market. Pick Spendesk when European cross-border spending leads. Pick Brex Premium when US-led global spending leads.
What we like- Cards, invoice processing, reimbursements, approvals, and multi-entity capabilities
- Multi-currency support
Watch out for- Custom pricing
- Card availability and compliance vary by market
- Less US depth
#7SAP Concur
Best for: Large enterprises, complex policies4.0/5 on
G2 (7,226 reviews, checked Oct 2026)
Visit concur.com
Starting priceSee website
Free planNo
SAP Concur serves large enterprises with complex travel and expense policies, audits, and multi-entity structures, with enterprise-grade compliance that smaller tools cannot match. A 15-day trial lets enterprises evaluate before committing to a quote-based contract.
The policy engine handles the approval chains, audit trails, and compliance rules that large enterprises require, integrating with SAP ERP systems. For a multinational with thousands of employees, that depth justifies the enterprise cost and implementation effort.
Small teams face overkill: implementation complexity and quote-based pricing exceed their needs. Pick SAP Concur when enterprise compliance leads. Pick Ramp when startup simplicity leads.
What we like- Enterprise-grade compliance
- Complex travel and expense policies
- Multi-entity structures
- 15-day trial
Watch out for- Quote-based pricing
- Complex implementation
- Overkill for small teams
Starting priceSee website
Free planNo
Airbase, now Paylocity for Finance, combines accounts payable, purchasing controls, cards, and expense management for mid-market companies wanting procure-to-pay control. It suits companies that need structured procurement alongside spend management, not just cards and expenses.
The unified HRIS plus expense management angle, through Paylocity, appeals to companies wanting payroll and spend in one system. That combination reduces vendor sprawl for mid-market finance teams.
Pricing is quote-based, and implementation is heavier than self-service products such as Ramp and Brex. Pick Airbase when procure-to-pay control leads. Pick Ramp when free self-service leads. The best alternative is the one whose capabilities and trade-offs fit present workflows and growth plans, not the one with the longest feature list.
What we like- Accounts payable, purchasing controls, cards, and expense management combined
- Now Paylocity for Finance
- Structured procurement
Watch out for- Quote-based pricing
- Implementation heavier than self-service products
- Less free-tier value
How we chose
We compared tools that replace Divvy's core job, corporate cards plus spend management, using vendor pages and 2026 comparison data. We favored published prices and marked quote-based tools as such, since SAP Concur, Airbase, and Spendesk hide pricing behind quotes. We also split the list by company size, since startups, mid-market, and enterprises need different tools.
Compare total cost, not just subscription price
Selecting the right Divvy alternative starts with assessing what the business needs, and comparing total cost, not just subscription price. Include payments, foreign exchange fees, implementation, premium integrations, and per-user fees, since those lines often exceed the subscription.
Divvy's own model illustrates the point: Spend and Expense software is $0 per user, funded through interchange, covering cards, budgets, and expense tracking. Added costs sit beside it, including BILL's AP and AR as paid per-user subscriptions and transaction fees such as 2.9 percent on Pay By Card and international card payments.
For international or multi-entity businesses, verify supported countries, currencies, legal entities, and payment rails before committing. Features, rates, and eligibility change quickly, so confirm current terms on a demo, and choose the tool whose capabilities and trade-offs fit present workflows and growth plans.
Frequently asked questions
What happened to Divvy?
BILL acquired Divvy in 2021, and it is now branded BILL Spend & Expense. The software costs $0 per user, funded through interchange, covering cards, budgets, and expense tracking, while BILL's AP and AR are paid separately.
What is the best Divvy alternative overall?
Ramp leads for most teams with an unlimited free tier covering cards, expenses, and travel booking, plus automation that saves time and money. Brex matches it on free essentials with a stronger global path at Premium.
Which alternative is free?
Ramp offers an unlimited free tier, Brex Essentials costs $0 per user, and BILL Spend & Expense costs $0 per user. Navan's travel booking is free, with expense plans from $15 per user per month and the first 5 users free.
Which alternative suits travel-heavy teams?
Navan suits travel-heavy teams, combining travel bookings, cards, and expense management with bookings flowing into workflows. Its expense plan costs $15 per user per month with the first 5 users free.
Which alternative lets me keep my existing cards?
Expensify lets teams keep existing corporate cards while automating receipts with SmartScan, from $5 per user per month for Collect. That flexibility suits companies whose card programs cannot change.
Which alternative suits large enterprises?
SAP Concur suits large enterprises with complex policies, audits, and multi-entity structures, while Airbase suits mid-market procure-to-pay control. Both are quote-based, with SAP Concur offering a 15-day trial.
Sources we checked (6)
- https://rankite.com/blog/best-corporate-expense-tracking-software
- https://ramp.com/blog/top-divvy-alternatives
- https://aspireapp.com/en-us/blog/brex-vs-divvy
- https://ramp.com/blog/corporate-credit-card-expense-management-software
- https://www.slash.com/versus/divvy-alternatives
- https://www.getkleercard.com/blogs/kleercard-vs-bill-divvy-for-nonprofits
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.