Ramp vs BILL Spend & Expense

Two expense management tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	RampRamp	BILL Spend & ExpenseBILL Holdings
In one line	Free corporate cards with built-in expense control	Budgets first, then cards that enforce them
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	Free; Plus $15/user/mo plus a platform fee by team size; 20% off annual	$0 per user: corporate cards, budgets, and expense tracking; credit lines from $1,000 to $5M, subject to approval
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Zoho Books, Puzzle, Kick, Pilot200+ listed by the vendor	No others on record35+ listed by the vendor
Team size	2–10 people · 11–50 people · 51–200 people	2–10 people · 11–50 people · 51–200 people
Available in	US	US
Phone support	Plus and up	Every plan
Live chat	Every plan	Every plan
Support hours	Live chat: 24/7 · Phone: 24/7	Not published
Incidents posted	We found no public status page for Ramp.	0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page
Capterra score	4.9 / 5 from 223 reviews	4.7 / 5 from 440 reviews
Trustpilot score	2.3 / 5 from 217 reviews	Not listed
Fit: Retail shop	60	60
Fit: Restaurant or café	60	60
Fit: Service business	80	70
Fit: Agency or studio	90	75
Fit: Trades or contractor	70	70
Fit: Online store	85	65
Why people pick it	No fees on the core product Limits enforced at the card	Budget-first model Free
Where it falls short	Requires a US entity and bank Credit limit tied to cash balance	Credit line underwriting Fewer integrations than Ramp
	Visit Ramp ↗	Visit BILL Spend & Expense ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices