In this article
You might like
No items found.
Spending made smarter
Easy-to-use cards, spend limits, approval flows, vendor payments —plus an average savings of 5%.1
4.8 Rating 4.8 rating
Error Message
No personal credit checks or founder guarantee.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get fresh finance insights, monthly
Time and money-saving tips,
straight to your inbox
4.8 Rating 4.8 rating
Thanks for signing up
Oops! Something went wrong while submitting the form.
Table of contents

With limited card controls and manual receipt uploads, many companies find themselves needing greater spend management support over time than what Divvy can offer. We’ve pored over G2 ratings, remarks from validated reviewers, and the features of top alternatives to Divvy to help you find a finance platform that can scale with you as your business grows.


We’re admittedly biased for including ourselves on this list, but G2 lists us as the number one Divvy alternative too. Here at Ramp, we help founders, finance teams, and employees save time and money. We help you consolidate data and workflows across vendor payments and bills, corporate cards, spend management, and reimbursements. 

Key features

  • Allow employees to request spending from pre-set budgets and create custom workflows to ensure the right stakeholders are looped in for approvals
  • Proactively set auto-enforced limits, controls, and submission requirements on corporate cards and reimbursements—from merchants to categories
  • Ramp’s expense software automatically checks every transaction and flags non-compliant expenses so you don’t waste time reviewing every line item
  • Reminders for missing items, requests for repayments, and auto-lock cards for non-compliant employees
  • Speed up monthly close as Ramp accurately codes thousands of transactions and then syncs directly to your ERP

Why customers pick Ramp over Divvy

“I have used Divvy and many payment solutions as a finance executive. What I like about Ramp: Integration with QuickBooks, ease of use, free ACH payments, great reward program, reimbursements, multiple security options, and robust accounting tools that save time when using rules for merchant transactions.” - April 2023 G2 review


Ramp helps you control spend, automate payments, and rapidly close your books—all for free. Ramp Plus is $15 per person monthly, giving you more control and customization. 


Airbase offers expense management solutions that allow employees to create expense reports and request reimbursements in their local currency. Airbase is rated 4.8 out of five on G2 and is classified as most suitable for mid-market companies.

Key features

  • Spending activities are captured in real time
  • Receipt management, with a dedicated email for expense submissions
  • Set mandatory fields, a time frame for expense submission, and budget caps
  • Track time from submission to payment to benchmark reimbursements for best practice
  • Capture and record expenses in an audit trail with receipts, notes, and other documents

Why people choose Airbase

Feedback on the business review website G2 suggests that finance teams find Airbase’s accounts payable workflows more user-friendly.


Airbase offers standard, premium, and enterprise quotes for firms with 200 to 5,000 employees. 


Brex provides corporate cards, expense management, reimbursements, bill pay, and travel. The company’s customers range from startups to enterprises. Brex is rated 4.7 out of five on G2 and is classified as most suitable for enterprise companies. 

Key features

  • Automate reconciliation with custom category mapping and integrations to ERPs
  • Built-in expense policies, auto-generated receipts, and automated reminders
  • Real-time and automated insights from spend reports and alerts.

Why people choose Brex 

“It will text you immediately after a transaction asking for a memo, so I can enter it right there on the spot without having to go back and try to remember what all of my transactions were,” said a small business customer in a November 2023 G2 review. 


Brex’s pricing for mid-sized businesses is $12 per user per month. Global companies can also seek custom pricing.


Navan is a travel and expenses solution, which allows professionals to easily book, view, and manage trips and expenses. Typical users of the software include executive assistants and finance teams. 

Key features

  • Controls are enforced at the point of sale to stop out-of-policy spending
  • Automated reconciliation to help finance teams track and monitor spend
  • Virtual cards tied to each travel booking, removing the need for manual reconciliation
  • Reimbursement support for employees across 45 countries and 25 currencies

Why people choose Navan

One G2 reviewer liked that scans of receipts auto-populate the relevant fields, removing the need for them to update each field manually. 


Navan is free for companies’ first 50 monthly active users, with a fee for live travel agent support. The company can provide custom quotes for companies that exceed those needs.


Center provides software for corporate card, travel, and employee expense management. Customers give it a 4.6 out of five rating on G2.

Key features

  • Reconciliation with approval workflows, custom fields, ERP integrations, and CSV export
  • Adjustable limits for each corporate card and secure lock cor card not in frequent use
  • Real-time visibility, reporting, and auditing of managed and unmanaged spend
  • Unlimited itinerary changes and 24/7 support including access to expert travel agents

Why people choose Center 

Several G2 reviewers commended Center for its ease of use, user interface, and time-saving features. 


Center’s pricing is not publicly available on its website or G2. 


Spendesk provides company cards and software to help companies manage approvals, budgets, and accounting automation. Customers give Spendesk a 4.7 out of five rating on G2.

Key features

  • Real-time spending dashboard displaying online and offline transactions
  • Team budgets, request tracking and approvals, and expense reimbursements
  • Invoice automation and approval workflows for more control over the invoicing lifecycle
  • Single-use virtual cards to reduce fraud risks for one-off purchases, plus dedicated virtual business cards for recurring costs.

Why people choose Spendesk

One G2 reviewer complimented Spendesk for its clear invoice approval records.


Spendesk can provide custom quotes to companies of all sizes. 


Expensify helps businesses with corporate cards, expense tracking, reimbursement, invoicing, bill pay, and travel booking. Expensify is rated 4.5 out of five on G2. 

Key features

  • Filters to quickly sort expenses by merchant, date range, and approval status.
  • One-click receipt scans to auto-capture details and add them to expense reports
  • Import personal and business card transactions for receipt merging and coding
  • Import general ledger codes from accounting packages to tag expenses with details.

Why people choose Expensify

One G2 reviewer commended Expensify for making it easy to create expense reports, code expenses, and submit each report for review and reimbursement. 


Expensify’s two priced tiers are $10 and $18 per user per month, respectively.


Emburse offers expense, travel management, and AP solutions that cater to CFOs, finance teams, and travelers.. 

Key features

  • Real-time spend management, with automated expense categories and policies
  • Mobile expenses application to capture and report staff expenses anywhere 
  • Automatic matching of corporate card payments with employee expenses.  

Why people choose Emburse

“Expense reports are generated automatically with little or no changes needed which lessens the workload and tediousness of the process,” said a G2 reviewer. 


Emburse can provide custom quotes for companies exploring its solutions.

Manage company and employee spending on your terms 

Spend management can be a boon or a burden—depending on how well it is controlled. When spending is better managed, companies gain a real chance of budget oversight, more cashflow visibility, and a culture of responsible spending. See how Ramp can help with our finance platform that has helped over 15,000 customers save 5% on their expenses per year.

Try Ramp for free.
Error Message
No personal credit checks or founder guarantee.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Finance writer, Genuine Communications
Luke O’Neill is a freelance finance writer and content strategist, with deep experience in B2B fintech and financial services. His work has appeared in The Wall Street Journal, Bloomberg, The Irish Times, the Stanford Social Innovation Review, and more.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


Don't miss these

No items found.

How Ramp helped Viking Well Service institute a more efficient expense management process

“Having the purchase order and bills all in one place just makes a whole lot more sense for the type of business that Viking’s doing, because you can simplify it down to a one-line-item type deal. That’s really important for control purposes, for visibility."
Chris Lowdermilk, Senior Controller, Viking Well Service

How Ramp Procurement helped NPHY simplify, save time, and improve transparency

“Before Ramp Procurement, requests could take up to a month. Now the process is complete in a matter of days, meaning we can get much needed supplies and focus on delivering care to our clients (teenagers in crisis) faster.”
Michelle LaBonney, Director of Finance & Operations, Nevada Partnership for Homeless Youth

How Betterment manages corporate spend for five entities with Ramp

“With Ramp, we can save rules directly to the card. Transactions from any of our monthly vendors come in already coded, so that’s been a huge time saver.”
Marianne Hawes, Senior Accountant, Betterment

How Alexandra Lozano Immigration Law prepared for scale with Ramp

"I used to have to call our card provider and sit on the phone for a couple hours a week, I don’t have to do that with Ramp.”
Wayne Robinson, CFO, Alexandra Lozano Immigration Law

How Ramp helped Smart City Apartment Locating save time, expedite month close, and grow sustainably

"Five to 15 hours each month of non-value-add activities are off my plate. I’m able to be a strategic advisor versus just a tactical manager when it comes to spend management.”
Dustin Walsted, VP Finance, Smart City Apartment Locating

How TaskHuman built their runway with Ramp

“I’ve pretty much seen or used everything that’s out there, everything does something Ramp does, but nothing does everything Ramp does.”
Matthew Ferguson, Controller, TaskHuman

How First Tee transformed its bookkeeping and saved time with PwC and Ramp

"The efficiency of using PwC Bookkeeping Connect, coupled with the Ramp platform, has probably been about 75% time savings. Instead of every hour I would have had to spend on bookkeeping, I’m probably having to spend maybe 10 or 15 minutes.”
Dan Burke, CEO, First Tee San Francisco