Perk vs Spendesk (2026): which should you pick?

Pick Perk if

• Fits if you book business travel and want it tied to expenses
• Works for firms that can bring their own card feed

Look elsewhere if

• Pricey if you travel a lot, as bookings carry 3% on paid plans and 5% on Travel Starter
• Watch out: the page says Perk Spend pricing is a limited-time rate, with no end date shown
• Not for you if you want Perk's own US cards, as they are listed as coming soon
• Watch out: Travel Pro is $299 a month plus 3% of each booking, and booking fees have minimums and maximums

Pick Spendesk if

• Fits if you want unlimited cards and users without paying per head
• Works for finance teams in the EEA, the UK or the US that want receipts collected for them

Look elsewhere if

• Skip it if you want to see a price before you talk to sales
• Not for you if you want a free plan or a trial to poke around in first
• Tight if supplier invoices matter, since accounts payable is a paid add-on
• Watch out: each card purchase, invoice payment and expense claim carries a variable fee on top
• Watch out: procurement, advanced workflows, HR and ERP links and AI fraud checks are all add-ons

Perk

• Travel Pro is $299 per month plus 3% of each booking and is not among the six plans above.
• The pricing page says Perk Spend's current pricing is available for a limited time, with no end date shown.
• Perk's own corporate cards are shown as coming soon to the US; its Platinum Visa card is listed for the EU, UK and Switzerland.
• Active users are those who submit or review at least one expense in a month; booking fees have minimum and maximum amounts.

Spendesk

• No prices are published: Spendesk quotes a fixed monthly platform fee plus variable fees on card purchases, invoice payments and expense claims.
• Procurement, accounts payable, advanced workflows, HR and ERP integrations and AI fraud detection are add-ons to the base package.
• It serves the EEA, the UK and the US; payments and Visa debit cards come from Spendesk Financial Services, Adyen and Sutton Bank respectively.
• There is no free plan or published free trial; Spendesk offers a demo and a product tour instead.

Perk

Expense processing

Receipts are captured and matched to card transactions, then checked for missing information, duplicates and policy breaches before approval.

Travel booking

Flights, rail, accommodation and car rental are booked in the platform, with trip allowances and per diems created automatically.

Corporate cards

Companies can connect existing Visa, Mastercard and Amex programs. Perk's own cards are listed for the EU, UK and Switzerland.

Workflow designer

No-code approval flows route expenses by team, entity, spend limit or expense type, with custom per diems on Pro plans.

Reimbursements

Out-of-pocket expenses can be paid back directly from Perk by ACH, which the pricing page says is included in every plan.

Mobile apps

The travel app is listed for iOS and Android, and expenses can be submitted from web or mobile.

Spendesk

Unlimited cards

Physical cards for employees, single-use cards for one-off payments, recurring virtual cards for subscriptions and multi-use cards for projects or events.

Receipt collection

Custom rules and automatic reminders chase receipts, OCR reads them, and they are matched to the right card payment straight away.

Expense claims

Out-of-pocket expenses are submitted, reimbursed and tracked alongside card spending.

Budgets

Track spending against budgets in real time, with multi-entity workflows and reporting in the base package.

Accounts payable add-on

Manage supplier invoices and pay suppliers worldwide in the right currency, with procurement as a separate add-on.

Integrations and API

Connects to Xero, QuickBooks, DATEV and Slack, offers an open API, and links spend data to AI assistants through an MCP connector.

Perk

• Travel Starter$0

  Travel booking only: no platform fee, plus 5% of each booking, with 1 travel policy and approval process.

• Travel Premium$99

  per month, plus 3% of each booking

  Travel only: 10 travel policies, advanced travel reporting, SSO, HR integrations and budget tracking for up to 5 budgets.

• Spend Premium$9

  per active user / month

  Expenses only: standard approval workflow, 4 legal entities, SSO, ERP connectors except SAP and an expense sandbox.

• Spend Pro$11

  per active user / month

  Expenses only: custom approval workflows and per diems, unlimited legal entities, all ERP connectors and Open API.

• Travel and Spend Premium$6

  per active user / month, plus 3% of each booking

  Both products: 10 travel policies, standard expense workflow, 4 legal entities and ERP connectors except SAP.

• Travel and Spend Pro$8

  per active user / month, plus 3% of each booking

  Both products: unlimited policies and entities, custom approval workflows, SAP connector and Open API.

Spendesk

Pricing could not be confirmed. See spendesk.com.