8 best corporate credit card expense management software in 2025
- What is corporate credit card expense management software?
- The 8 best credit card expense management software solutions in 2025
- Why use credit card expense management software?
- 7 essential features of corporate credit card expense management software
- How to choose the right solution for your business
- Choose the best credit card expense management software
Managing corporate credit cards might feel like a juggling act for any finance leader. You’re constantly chasing down receipts, trying to enforce spending policies, and reconciling statements—all while battling data entry errors.
These challenges waste your time and lead to overspending, compliance issues, and financial discrepancies that can be difficult to track and correct.
Enter: corporate credit card management software.
The best tools will automate expense tracking, enforce travel and expense (T&E) policies, and provide real-time insights into employee expenses. By adopting the right software, you can replace manual processes with efficient, accurate management, giving you greater control over your organization's finances.
What is corporate credit card expense management software?
Credit Card Expense Management Software
Credit card expense management software helps businesses track and manage spending on company credit cards. These tools streamline the process of recording, categorizing, and approving corporate credit card expenses.
Corporate credit card expense management software makes it easier for you to stay on top of your finances and ensure your employees are spending responsibly. By automating key pieces of the expense management process, including expense policy enforcement, expense reporting, and employee expense reimbursements, these tools help you take control of corporate credit card spending and reduce the hassle of managing expenses.
The 8 best credit card expense management software solutions in 2025
Here are our top choices for the best corporate credit card expense management software available today, selected on key factors like features, integrations, ease of use, pricing, and more:
Software comparison
- Customizable spend controls: Ramp’s corporate cards let you set specific spend limits and rules for each card. Meet your budgets without the hassle of micromanaging.
- Automated expense reporting: Say goodbye to manual data entry. Ramp captures and categorizes expenses automatically, saving time and reducing errors.
- Real-time spend tracking: Monitor company spending as it happens. Gain instant insights to make more informed financial decisions.
- Seamless integrations: Connect Ramp with the tools that are already in your tech stack, like QuickBooks, Slack, and Excel.
- Easy receipt capture: Snap a photo of your receipt, and Ramp’s OCR technology does the rest. No more missing paperwork or tedious expense matching.
Starting at
$0/mo.
Additional pricing tiers
$15 per user/mo. for Ramp Plus. Enterprise pricing available.
Promotion
Unlimited free tier
Availability
Web, iOS, Android
Navan (formerly TripActions)- Integrated travel and expense management: Navan combines travel booking and expense tracking in one platform.
- AI-powered booking: Get personalized travel recommendations with Navan's AI-driven search that finds the best options based on your preferences and company policies.
- Real-time expense tracking: Monitor spending as it happens with real-time updates to help you manage budgets and ensure compliance.
- Easy-to-use mobile app: Book flights, submit receipts, and approve expenses on the go.
Starting at
$0/mo.
Additional pricing tiers
$15 per user/mo. for more than 15 users
Promotion
Free tier with seat limits
Availability
Web, iOS, Android
SAP Concur- Corporate card integration: Integrate corporate credit cards and automatically capture and reconcile transactions.
- Comprehensive expense management: Track, approve, manage, and report on all types of expenses.
- Mobile access: Manage expenses, capture receipts, and book travel on the go.
- Automated workflow approvals: SAP Concur routes expense reports and travel requests to the right approvers, speeding up reimbursement.
- Real-time spend visibility: Get instant insights into company spending with real-time transaction data and customizable dashboards.
Starting at
N/A
Additional pricing tiers
All pricing is quote-based
Promotion
15-day trial
Availability
Web, iOS, iPadOS, Android
Expensify- Global currency support: Expensify supports multiple currencies and automatically converts transactions.
- Flexible approval workflows: Multi-level approvals ensure expenses are reviewed and approved by the right people.
- Mobile accessibility: Capture receipts, submit reports, and approve expenses from your smartphone.
- Automated expense reports: Create and submit expense reports with just a few clicks.
- Corporate card integration: Sync with your corporate credit cards or Expensify cards to automatically reconcile transactions with receipts.
Starting at
$0 for individuals
Additional pricing tiers
$5 per user/mo. for Collect, $9 per user/mo. for Control
Promotion
Free tier for individuals
Availability
Web, iOS, Android
BILL Spend & Expense (formerly Divvy)- Corporate card integration: Easily integrate business credit cards to automatically match transactions with relevant bills and receipts.
- Real-time expense tracking: Monitor expenses as they happen to maintain control over budgets and cash flow.
- Custom approval workflows: Whether it’s a single approval or a multi-level process, tailor approval workflows to fit your company’s needs.
- Rewards system: Earn rewards and redeem them for cashback, travel, or gift cards.
Starting at
$0/mo.
Additional pricing tiers
N/A
Promotion
Unlimited free tier
Availability
Web, iOS, Android
Brex- Integrated corporate cards: Unlimited physical and virtual cards for online and in-person transactions.
- Rewards tailored to business spending: Access a rewards program designed specifically for business expenses.
- Automated expense management: Automatically categorize and track expenses in real time.
- Spend controls and limits: Set custom spending limits and controls for each employee, helping to enforce budget discipline and prevent overspending.
Starting at
$0/mo.
Additional pricing tiers
$15 per user/mo. for Premium
Promotion
Free Essentials tier
Availability
Web, iOS, Android
Airbase- All-in-one spend management: Access expense management, accounts payable, and corporate cards in one platform.
- Corporate card with advanced controls: Airbase’s expense management card lets businesses set custom limits, enforce policies, and monitor transactions in real time.
- Automated expense reporting: Capture and categorize transactions as they happen.
- Virtual cards for specific purchases: Instantly issue virtual cards for specific expenses or vendors.
- Integrates with 70+ ERP systems: Easy to sync your financial data to popular ERPs like NetSuite and Microsoft Dynamics 365.
Starting at
N/A
Additional pricing tiers
All pricing is quote-based
Promotion
N/A
Availability
Web, iOS, Android
Zoho Expense- Integrated expense management system: Track, manage, and report business expenses in one place.
- Corporate card reconciliation: Integrates with Visa, Mastercard, and Amex corporate credit cards.
- SmartScan receipt capture: Capture receipts on the go while the app automatically extracts and categorizes the data.
- Customizable approval workflows: Set up multi-level approval workflows to review and approve expenses.
- Multi-currency support: Record expenses and manage reimbursements in various currencies with automatic conversions.
Starting at
$0 for up to 3 users and 20 scans/mo.
Additional pricing tiers
$5 per user/mo. for Standard, $9 per user/mo. for Premium
Promotion
Free tier with seat and usage limits
Availability
Web, iOS, iPadOS, Apple Watch, Android, Desktop
Why use credit card expense management software?
On top of streamlining expense claims, approvals, and receipt matching, here are five key reasons why credit card expense management software is important for businesses of all sizes:
1. Access real-time data
Most business credit card expense management solutions give you instant access to spending data as credit card transactions occur. Real-time visibility helps you make informed decisions quickly, spot trends, and stay on top of budgets without waiting for monthly statements.
2. Reduce paperwork and admin tasks
With credit card expense management software, you can say goodbye to tedious manual data entry and filing paper receipts. Your software should offer automation features for repetitive tasks like tracking and reporting, freeing up your finance team to focus on more important work.
3. Simplify reconciliation processes
Expense management software automatically matches transactions with receipts, making reconciliation faster and more accurate. It eliminates the hassle of manual matching and ensures your records are always up to date.
4. Improve budgeting and forecasting
With accurate, real-time data, credit card expense management software helps you track spending patterns and stay within budget. Clear visibility allows for better forecasting, ensuring your financial plans are aligned with actual expenses.
5. Ensure compliance with company policies
The best solutions automatically enforce your company's expense policy by flagging out-of-policy spending—or blocking it before it even happens. You can see that all expenses are compliant, reducing the risk of unauthorized charges and simplifying the approval process.
7 essential features of corporate credit card expense management software
As you evaluate credit card expense management software, make sure the feature set aligns with your business needs. You shouldn’t pay for more than you need, but at the same time, you want to be sure the tool can scale with you as your business grows and your needs change.
As you compare expense manage platforms, these features should be non-negotiable:
- Mobile accessibility: Look for a tool that lets you manage expenses on the go with an easy-to-use mobile app that offers OCR-powered receipt capture
- Expense categorization and tagging: Choose a platform that automatically categorizes expenses and tags them for specific projects or departments
- Role-based access control: Look for admin tools that let you set different access levels based on role. This ensures only the right people can view, approve, or manage expenses.
- Policy compliance: Most software enforces company expense policies automatically. The platform you choose should be able to flag or outright block out-of-policy spending.
- Customizable spend controls: Your chosen tool should make it easy to set spending limits and rules tailored to your business needs. Control how much your employees can spend and where, keeping budgets in check.
- Automated receipt matching: The best platforms automatically match receipts to transactions, saving time and reducing errors
- Fraud detection and alerts: In addition to setting limits, you need to instant alerts for suspicious transactions. Protect your business by identifying and addressing potential expense fraud early.
Simplify your expense management with Ramp
How to choose the right solution for your business
nce you narrow your options, make sure to consider these five key factors before making your final decision:
1. Scalability
Choose software that can grow with your business. As your company expands, your expense management needs will, too. Make sure the software can handle more users, cardholders, transactions, and features as you scale.
2. Customer support and training
Reliable customer support across multiple channels is crucial. Look for software that offers responsive support and training resources to help your team get up to speed quickly. Good support ensures you can solve issues fast and keep things running smoothly.
3. Security and compliance
Your software should give you peace of mind that any sensitive financial data is safe. Look for a platform that offers robust security features and guarantees compliance with industry standards.
4. Integrations
Make sure your chosen software has the right ERP and accounting integrations. Smooth integrations save time, reduce errors, and help maintain consistent expense data across systems.
5. Cost and budget
Ensure the software fits within your budget while offering the features you need. Look for transparent pricing with no hidden fees so you know exactly what you’re paying for. Many expense management solutions charge per user on a monthly basis, so always check and compare different platform billing options.
6. Customization options
Choose software that allows you to tailor features to your business needs. Customization ensures the platform works the way you do, helping you create workflows, settings, reports, and dashboards that fit your unique processes.
Choose the best credit card expense management software
Corporate card expense management software should do more than replace spreadsheets. You need a comprehensive solution that streamlines management processes for your finance team, enforces your expense policy, and eliminates manual data entry.
That’s why more than 25,000 companies choose Ramp for their expense management needs:
- Unlimited physical and virtual corporate cards: Control spending at the vendor, category, team, or card level with Ramp’s corporate charge cards
- No fees or interest: Ramp corporate cards come with no annual fees, no interest rates, and no hidden charges, helping you manage expenses without extra costs
- Automated expense management: Ramp automatically tracks and categorizes transactions in real time, simplifying expense reporting and reducing manual work
- Enforce your T&E policy: Flights, accommodations, and rental cars are always within policy when you book through Ramp Travel
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