9 best corporate credit card expense management software platforms in 2025
- What is corporate credit card expense management software?
- Best corporate credit card expense management software
- Summary of best corporate credit card receipt management programs
- Why use credit card expense management software?
- 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 feels 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. But that’s where corporate credit card management software can help.
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.
Best corporate credit card expense management software
Corporate credit card expense management software enables you to stay on top of your finances and ensure that your employees are spending responsibly. These tools enable you to take control of corporate credit card spending and streamline the management of expenses by automating key aspects of the expense management process, including:
- Expense policy enforcement
- Expense reporting
- Employee expense reimbursements
Here are our top choices for the nine best corporate credit card expense management software solutions available today. We selected based on key factors like features, integrations, ease of use, pricing, and more:
Ramp
Ramp is a corporate credit card expense management software designed to help businesses automate and control their financial operations. Ramp’s corporate credit card programs offer both physical and virtual cards with customizable spending limits, so you can set controls to keep expenses in check. Ramp also automates expense reporting by capturing and categorizing transactions in real time, eliminating manual data entry and minimizing errors.
Ramp provides real-time spend tracking and analytics, giving your finance teams instant visibility into spending. Ramp offers customizable workflows that automatically enforce policies. Ramp streamlines financial processes, enabling businesses to save time and money while maintaining control over their expenditures.
Key features:
- Spend controls customization
- Expense reporting automation
- Spend-tracking in realtime
Navan (formerly TripActions)
Navan (formerly TripActions) is an all-in-one travel and expense management platform designed to streamline corporate travel booking and expense tracking. Navan integrates travel arrangements, expense reporting, and payment processing into a single expense reimbursement software platform. It offers real-time expense tracking, automatically categorizing and reconciling expenses.
Navan's mobile app supports features like smart receipt capture, automated expense categorization, and real-time notifications, reducing administrative burdens. Additionally, Navan's platform integrates seamlessly with existing enterprise systems, including ERP and accounting software.
Key features:
- Integrated travel and expense management
- User friendly mobile app
- AI-powered travel booking
SAP Concur
SAP Concur is a travel and expense management solution that offers seamless integration with corporate credit cards with credit card reconciliation software. The platform's corporate expense tracking capabilities enable you to track, approve, manage, and report on spending while ensuring compliance with expense policies.
The SAP Concur mobile app allows employees to manage expenses, capture receipts, and book travel on the go. Its automated workflow approvals route expense reports and travel requests to the appropriate approvers, expediting the reimbursement process and improving operational efficiency.
Key features:
- Corporate card integration
- Workflow approvals automation
- Comprehensive expense management
Expensify
Expensify provides flexible approval workflows, ensuring that expenses are reviewed and approved by the appropriate people. With corporate card integration and corporate credit card receipt management, transactions are automatically reconciled with your budget.
One of Expensify’s standout features is its global currency support, which automatically converts currencies using daily exchange rates for more accurate international expense reporting. The easy-to-use mobile app enhances accessibility, allowing employees to submit and approve expense reports directly from their smartphones.
Key features:
- Global currency support
- Flexible approval workflows
- Expense reports automation
BILL Spend & Expense (formerly Divvy)
BILL Spend & Expense (formerly Divvy) is an all-in-one financial platform that integrates corporate credit card receipt management and corporate expense tracking. The platform also provides real-time visibility into company spending, enabling finance teams to monitor budgets and cash flow effectively.
BILL Spend & Expense provides flexible approval workflows that can be tailored to fit a company's specific needs. It also features a rewards system that allows businesses to earn points on their spending, which can be redeemed for cash back, travel, or gift cards.
Key features:
- Integrated corporate cards
- Approval workflow customization
- Rewards system
Brex
Brex is a corporate credit card management software platform that combines corporate cards with real-time expense management. It offers unlimited free corporate credit cards that can be assigned custom spending limits and controls. Brex also has a rewards program tailored to business spending that can be redeemed for perks.
Brex's automated expense management system categorizes and tracks expenses in real time, offering dynamic spending controls that provide flexibility over company finances.
Key features:
- Integrated corporate cards
- Automated expense management
- Spend controls and limits
Airbase
Airbase integrates expense management, accounts payable automation, and corporate credit card programs into a single system. It provides real-time visibility into all non-payroll spending, including the automation of custom spending limits, enforcement of policies, and transaction monitoring.
Airbase's spend analytics tools provide comprehensive insights into company spending patterns, enabling organizations to identify cost-saving opportunities and optimize their procurement processes.
Key features:
- All-in-one spend management
- Corporate card with advanced controls
- Automated expense reporting
Zoho Expense
Zoho Expense is a comprehensive expense reimbursement software solution that streamlines the tracking, management, and reporting of business expenses. It offers seamless integration with corporate credit card programs, and the platform's SmartScan feature enables users to capture receipts on the go.
Zoho Expense also provides customizable approval workflows and a user-friendly mobile app, enabling employees to submit expenses, capture receipts, and manage approvals from anywhere.
Key features:
- Integrated expense management system
- SmartScan receipt capture
- Customizable approval workflows
Teampay
Teampay is a spend management platform that provides real-time tracking of employee purchases and expenses. With built-in policy controls, Teampay automatically enforces expense policies.
The platform also enables the issuance of unlimited virtual free corporate cards. Teampay's purchase order approval workflows guide users through the purchasing process, collecting necessary approvals and releasing secure payments efficiently. Additionally, Teampay integrates seamlessly with various finance and accounting platforms you’re already using, facilitating smooth data synchronization and enhancing overall operations.
Key features:
- Built-in policy controls
- Unlimited virtual cards
- Key integrations
Summary of best corporate credit card receipt management programs
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
TeamPay- Spend management: Track employee purchases and expenses in real time.
- Built-in policy controls: Enforce your expense policies and manage your spending all in one platform.
- Virtual cards: An unlimited number of virtual cards can be issued to employees, even for one-time use.
- Purchase order approval workflows: The platform guides users through the process, collects approvals, and releases secure payments.
- Integrations: TeamPay integrates with your existing finance platforms, including Slack, Quickbooks Online, Microsoft 365, NetSuite, Xero, and Intacct.
Starting at
$20 per month
Additional pricing tiers
N/A
Promotion
N/A
Availability
Web, iOS, 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:
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 enables you to make informed decisions quickly, identify trends, and stay on top of budgets without waiting for monthly statements.
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.
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.
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.
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.
Eliminate the reimbursement process
If you’re using the right credit card reconciliation software, it will streamline your reimbursement processes. No longer will your team need to keep track of receipts and expense reports because everything happens automatically within the software. And when they are using your issued card, employees don’t need to be reimbursed for expenses.
Saves you time and money
Before corporate credit card management software, you had to track down expenses, reconcile receipts, and follow approval processes that could take up a lot of your time. And that time could better be spent working on your business. Integrations with your current accounting software, real-time expense tracking and reconciliation, and accurate and automated credit card translation matching all save you time—and, ultimately, money.
Essential features of corporate credit card expense management software
When evaluating 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 ensure the tool can scale with your business as it grows and your needs change.
As you compare expense management 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 allow you to set different access levels based on user roles. This ensures that only the authorized team members can view, approve, or manage expenses.
- Policy compliance: Most software automatically enforces company expense policies. 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 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
Once you narrow your options, make sure to consider these key factors before making your final decision:
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.
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 that you can resolve issues quickly and keep things running smoothly.
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.
Integrations
Make sure your chosen software supports the necessary ERP and accounting integrations. Smooth integrations save time, reduce errors, and help maintain consistent expense data across systems.
Cost and budget
Ensure the software aligns with your budget while providing the necessary features and functionalities. Look for transparent pricing with no hidden fees so you know exactly what you’re paying for. Many expense management solutions charge a monthly fee per user, so always check and compare different platform billing options.
Customization options
Choose software that allows you to customize features to your business needs. This 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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