Back Office Guide

Ramp

Company cards, expenses, bill pay and travel in one place, with AI that reviews expenses, codes line items and extracts invoices.

Our verdict
Best free starting point for card spend, expenses and bill pay together.

Published price

Free $0/user/month. Plus $15/user/month plus a platform fee based on team size. Enterprise custom.

From the vendor's pricing page, checked . Prices change; confirm on the vendor's site before you buy.

Works with (per the vendor)

QuickBooks OnlineXero

Recent launches and price changes

Ranked in

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Alternatives

Other tools in spend approval & company cards.

Brex

Free plan

Corporate cards with AI-powered rules, bill pay, reimbursements, travel booking and accounting integrations.

Verdict. Best for fast-growing companies that want cards and policies that scale across entities.

Published price. Essentials $0/user/month. Premium $12/user/month. Checked Oct 22, 2026.

Company cards, budgets and expense tracking (formerly Divvy), with an AI agent that captures receipts and codes transactions.

Verdict. Best free card-and-budget tool if you already use BILL for bills.

Published price. $0 per user per month. Checked Oct 22, 2026.

Rho

Free

Business banking with cards, bill pay, expenses and accounting automation in one platform.

Verdict. Best if you want cards, AP and banking from one provider with no subscription fee.

Published price. $0 subscription and per-user fees. Fees apply to some international wires and currency conversion. Checked Oct 22, 2026.