Brex Card vs Ramp Card: which one fits your business?
Side-by-side comparison of Brex Card and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.3/10 vs 7.3/10).
| Scored on | Brex Card | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 7 | 10 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | $0 | None |
| Monthly Platform Fee | $0 (Standard) / Varies (Premium) | — |
| Late Payment Fee | Account Suspension | — |
| Late Fee | — | None (account suspension instead) |
| Additional User Fee | — | $0 |
Brex Card in one paragraph
Brex is the premier choice for venture-backed startups that need to scale spend quickly without personal liability, provided they can maintain the high cash balance requirements.
Skip it if: Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Ramp Card in one paragraph
Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
Skip it if: You need to carry a monthly balance or have less than $75,000 in your business bank account.
Frequently asked questions
Which is better, Brex Card or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.3/10 vs 7.3/10). Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
Who should skip Brex Card?
Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Who should skip Ramp Card?
You need to carry a monthly balance or have less than $75,000 in your business bank account.