Ramp vs WEX (2026): which should you pick?

Pick Ramp if

• Fits if you want cards, receipts and bill pay in one place without a subscription
• Works for US companies that book travel and want it tied to card spend

Look elsewhere if

• Not for you if your company can't get credit approval for the card
• Skip it if you need purchase orders without paying for an add-on
• Tight if you'll outgrow Free soon, as Plus has a platform fee on top of $15 a user that isn't published
• Watch out: Workday and Oracle Fusion sync need Enterprise, which is quoted and billed yearly
• Watch out: 1099s cost $0.65 per IRS form, and cards are issued only in the US, Canada, the UK and the EEA

Pick WEX if

• Fits if you run a vehicle fleet and want fuel cards with rebates
• Works for companies that pay suppliers by virtual card and want to earn rebates

Look elsewhere if

• Skip it if you want an expense-reporting app, as WEX isn't one
• Skip it if you want a price list: everything is quoted by sales
• Watch out: the highest fuel rebate needs a location in the WEX savings network
• Watch out: payables rebate income varies with how many suppliers accept virtual cards

Ramp

• Plus adds a platform fee based on team size that the pricing page does not state; Enterprise is quoted and billed yearly.
• Ramp says it is not a bank: checking deposits are held at First Internet Bank of Indiana, and its corporate card is issued by Celtic Bank and needs credit approval.
• Purchase orders and three-way matching come as an add-on to Plus or Enterprise; Workday and Oracle Fusion sync need Enterprise.
• Cards are issued in the US, Canada, the UK and the EEA. Filing 1099s costs $0.65 per IRS form, with state filing free.

WEX

• No prices are published; products are quoted through a proposal request or sales contact.
• Fuel-card rebates depend on where drivers fuel, and the highest rate requires a location in the WEX savings network.
• The AP product depends on suppliers accepting virtual cards, so rebate income varies with supplier acceptance.
• It is a payments and benefits company with several unrelated product lines, not a standalone expense-reporting app.

Ramp

Corporate cards

Unlimited physical and virtual Visa cards with spending controls. On Plus, cards lock themselves when receipts or other policy steps are missing.

Expenses and reimbursements

Employees complete expenses by text message or Slack, receipts are matched automatically, and out-of-pocket costs are reimbursed in batches.

Travel booking

Book flights, hotels and rental cars under a custom travel policy, with 24/7 phone support for bookings on Plus.

Bill pay

Invoices are read by OCR, routed through approvals and fraud checks, and paid by ACH, card, check or wire, with free same-day ACH and wires.

Invoicing

Create invoices, follow up with customers automatically and accept payment by ACH, card or check.

Accounting automation

QuickBooks Online and Xero sync on every plan. Plus adds NetSuite and Sage Intacct, AI coding for every field and automatic sync of routine spend.

WEX

Fuel cards and fleet tools

The site lists more than 50 fuel cards, plus fleet tracking, EV charging support, roadside services and fuel-spend analytics and reporting.

Accounts payable automation

Supplier invoices are paid by one-time virtual cards, with automated reconciliation, custom spend limits and real-time monitoring of each payment.

Supplier enablement

WEX staff work with a buyer's suppliers to enroll them for virtual card acceptance, which is how the buyer earns rebates on payables.

Fuel rebates

The homepage says one fuel card earns 3 to 15 cents per gallon inside its savings network and 1 to 3 cents outside it, subject to conditions.

Employee benefits administration

A separate line covers HSA, FSA, HRA, commuter benefits, COBRA and ACA compliance administration.

Ramp

• Free$0

  Unlimited cards with controls, receipt matching, travel booking, bill pay by ACH, card, check or wire, invoicing, and QuickBooks Online or Xero sync.

• Plus$15

  per user / month, plus a platform fee based on team size

  20% off with yearly billing; the platform fee is not shown. Adds AI expense reviews, coded bill lines, batch payments, NetSuite and multi-entity support.

• EnterpriseCustom

  Billed annually. Adds Workday and Oracle Fusion integrations and full customization.

WEX

Pricing could not be confirmed. See wexinc.com.

Ramp

• Annual discount

  Save 20% on Plus with yearly billing

  Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown.

WEX

No public discounts listed.