Brex vs Ramp Corporate Card: Rewards, Fees and Software Compared

Quick answer

Brex and Ramp are both corporate cards that ask for no personal guarantee. Brex states points of up to 7x on some categories and 1x on everything else. Ramp lists no annual fee but does not state its cash back rate. Ramp wins only if its rate beats the break-even rate in the table below.

What each company says

All figures were read from the companies' own pages on October 19, 2026. Terms change, so check them again before you apply.

Brex. Brex's corporate card page says you can earn up to 7x back. The listed rates are 7x on rideshare, 4x on Brex prepaid travel, 3x on restaurants, 2x on software and 1x on everything else. The page states no cap and no annual fee amount. It says Brex does not charge foreign transaction fees but may apply an exchange rate markup of up to 3 percent. It says Brex does not require a personal guarantee, and that limits are based on business financials instead of a personal credit score. It does not state payment terms. Brex's pricing page lists an Essentials plan at $0 per user per month and a Premium plan at $12 per user per month.

Ramp. Ramp's corporate card page says its cards have no annual fee and describes a corporate charge card with 30-day payback. It says there are no personal credit checks or personal guarantee. It says the card earns cash back on every swipe but gives no percentage. The page also says "up to 7.5%" in savings, and a footnote calls that an estimate, not a guarantee. That is a savings estimate, not a cash back rate. Ramp's pricing page lists a free plan at $0 per user per month and a Plus plan at $15 per user per month plus a platform fee based on team size. The fee amount is not shown.

Fees and terms side by side

The break-even cash back rate

Ramp does not state its rate, so this table flips the question. It shows the flat cash back rate Ramp would need to pay to match what Brex would earn. It assumes one Brex point is worth 1 cent. Brex's pages we read do not state a point value, so you can change that assumption. All three examples use $60,000 of yearly card spending.

Here is the math for the last row. Restaurants earn 3 points per dollar, so $12,000 earns 36,000 points. Software earns 2 points per dollar, so $12,000 earns 24,000 points. Rideshare earns 7 points per dollar, so $3,000 earns 21,000 points. The other $33,000 earns 33,000 points. The total is 114,000 points, or $1,140 at 1 cent each. Divide by $60,000 and you get 1.90%.

These are examples, not Ramp's rate or a Brex guarantee. Neither side includes software plan fees. If you need Brex Premium or Ramp Plus, subtract that cost from the card with the paid plan. Welcome offers are left out because we did not read one on either page.

When Brex is the better fit

• A good share of your spending is restaurants, software or rideshare.
• You spend abroad and want no foreign transaction fee. Check the exchange rate markup first.
• You want stated reward rates you can calculate before you apply.

When Ramp is the better fit

• Your spending is spread across categories where Brex pays only 1 point.
• Ramp quotes you a flat rate above the break-even rate for your spending.
• You want a stated annual fee of none and a stated 30-day payback.

What to check before you apply

1. Ask Ramp for its exact cash back rate and any fee for your team size.
2. Ask Brex for its fee schedule, payment terms and how it values a point.
3. Confirm any foreign spending costs on both cards.
4. Add the cost of any paid software plan to the side that needs it.

For fee lines to compare on any business card, read our guide to business credit card fees. To compare Ramp with a traditional card, see Chase Ink Business Preferred vs Ramp. For a wider list, see corporate credit cards.

Methodology and sources

Reviewed October 19, 2026: Brex corporate card page, Brex pricing page, Ramp corporate card page and Ramp pricing page, linked above. Examples use 1 cent per point and $60,000 of yearly spending as assumptions. Terms an issuer's page does not state are marked as not stated, not guessed. Refresh by November 18, 2026, sooner if either company changes terms.