Corporate card and expense management, now part of Bill.com as BILL Spend & Expense.
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Divvy vs Ramp
Comparing Divvy and Ramp to help you pick the right Corporate Cards & Expense Cards for your needs.
| Feature | Divvy | Ramp |
|---|---|---|
| Pricing | Free | Freemium |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Editorial rating | ★ 4.1 / 5 | ★ 4.6 / 5 |
| Starting price | $0/month | $0 |
| Community votes | 12 | 356 |
Divvy Pros & Cons
- No monthly fees for the core card and expense management product, funded instead through card transaction interchange revenue
- Budgets are set per card, limiting potential overspend proactively before it happens rather than catching it after the fact in expense reports
- Combines card issuance and expense tracking in one connected system, eliminating the reconciliation gap between separate card and expense tools
- Real-time spend visibility lets finance teams see transactions as they happen rather than waiting for monthly statement reconciliation
- Virtual card issuance supports controlled spending for specific vendors, subscriptions, or one-time purchases without exposing a physical card number
- Some users may require a learning period to use advanced features effectively
- Pricing tiers require careful evaluation against your specific use case budget
- Feature set breadth means some capabilities may have less depth than specialized alternatives
Ramp Pros & Cons
- No card fees or hidden costs on the base plan
- Cash-back rewards (1.5% flat) apply automatically with no category restrictions
- Built-in "savings insights" actively flag duplicate or unused software subscriptions
- Real-time spend controls let admins set per-card and per-category limits
- Fast virtual card issuance for one-off vendor payments
- Requires $0 minimum balance but underwriting favors venture-backed or profitable companies
- No personal credit check required, but underwriting can be conservative for early-stage startups with thin cash reserves
- Customer support primarily via chat/email, no dedicated phone line on base plan
- Some advanced accounting automation features require the paid Plus tier
- Physical card delivery can take 5-7 business days for new accounts
Verdict: Divvy vs Ramp
Divvy and Ramp both serve the Corporate Cards & Expense Cards category well, but suit different priorities. Divvy is the more budget-friendly option, Ramp carries the stronger editorial rating (4.6 / 5), Based on community engagement, Ramp is currently the more widely adopted choice (356 votes), but the better fit ultimately depends on your specific pricing, platform, and feature requirements.
Frequently Asked Questions
- Which is cheaper, Divvy or Ramp?
- Divvy is the more affordable option overall — it's offered as free, while Ramp is freemium. Check each tool's current pricing plans for exact figures, since promotional rates and annual discounts can shift the comparison.
- Is Divvy or Ramp rated higher?
- Ramp has the higher editorial rating at 4.6 out of 5, compared to Divvy's 4.1 out of 5. This is Kreemhunt's own staff rating, not a public user aggregate — review the pros and cons below for specifics that matter to your use case.
- Which platforms do Divvy and Ramp support?
- Divvy is available on Web, iOS, Android. Ramp is available on Web, iOS, Android. Both tools cover a similar range of platforms.
- Can I switch from Divvy to Ramp (or vice versa)?
- Most corporate cards & expense cards tools, including Divvy and Ramp, support data export in standard formats, making migration possible though rarely fully automatic. Expect to manually verify that custom configurations, integrations, and historical data transfer correctly, and budget time for the team to adjust to workflow differences between the two products.
- Should I choose Divvy or Ramp?
- Divvy and Ramp both serve the Corporate Cards & Expense Cards category well, but suit different priorities. Divvy is the more budget-friendly option, Ramp carries the stronger editorial rating (4.6 / 5), Based on community engagement, Ramp is currently the more widely adopted choice (356 votes), but the better fit ultimately depends on your specific pricing, platform, and feature requirements.