# BILL Spend & Expense vs Brex: which do AI models recommend for corporate cards, October 2026

Finance AI Recommendation Index, October 2026 Edition, Corporate cards. Zero of fourteen models named BILL Spend & Expense first on the direct prompt; one named Brex. Page: https://finance-ai-index.com/spend/corporate-cards/bill-spend-expense-vs-brex/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| BILL Spend & Expense | 19% | #2 of 8 | 4% | 47 | 13 of 14 |
| Brex | 12% | #3 of 8 | 15% | 60 | 14 of 14 |

## The direct prompt, model by model

- Mistral Small: brex first (first choices: Airbase, Brex) (alternatives: Corpay, Ramp)
- Claude Haiku 4.5: neither first, one named (alternatives: Airbase, BILL Spend & Expense, Ramp, The BILL Divvy Card, Volopay Card)
- GPT-5.4 mini: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex, Rippling Finance)
- Gemini 3.5 Flash: neither first, one named (first choices: Ramp) (alternatives: Airbase, BILL Spend & Expense, Brex)
- Perplexity Sonar: neither first, one named (first choices: Corpay, Ramp) (alternatives: BILL Spend & Expense, Navan, U.S. Bank Commercial Rewards Card)
- Grok 4.1 Fast: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex, Corpay, Payhawk)
- DeepSeek V4 Flash: neither first, one named (first choices: Ramp, Rippling Spend) (alternatives: Airbase, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards Card)
- Qwen 3.7 Flash: neither first, one named (first choices: U.S. Bank Commercial Rewards Card) (alternatives: BILL Spend & Expense, Rho, Rippling Spend)
- Kimi K2: neither first, one named (first choices: Ramp) (alternatives: Brex, Corpay)
- GPT-6 Luna: neither first, one named (first choices: Ramp) (alternatives: BILL Spend & Expense, Brex)
- Llama 4 Maverick: neither named
- GLM 4.7 FlashX: neither named (first choices: Airbase, Corpay) (alternatives: Airwallex, American Express Business Platinum, Ramp)
- MiniMax M2.5: neither named (first choices: Corpay) (alternatives: Airbase, Ramp)
- Muse Glimmer 30B: neither named (first choices: Corpay) (alternatives: Airbase, U.S. Bank Commercial Rewards Card)

## What the models said about BILL Spend & Expense

- "BILL stands out as the most budget-friendly *corporate card program* because it offers $0/user/month" (Perplexity Sonar, budget prompt, first choice)

## What the models said about Brex

- "Avoid:
- Brex (if you're small, international, or need stable limits — the Trustpilot reviews are brutal)" (DeepSeek V4 Flash, negative prompt, hard negative)
- "Brex has a history of pivoting away from small businesses... introduces long-term uncertainty regarding how underwriting requirements and platform fees will evolve." (Gemini 3.5 Flash, negative prompt, soft negative)
- "For most mid-market B2B companies, Airbase and Brex are the top choices" (Mistral Small, direct prompt, first choice)
- "Ramp, Brex, and Divvy are frequently mentioned by small businesses." (MiniMax M2.5, budget prompt, first choice)
- "Choose Ramp/Brex if you want modern automation and card-led spend control." (GPT-5.4 mini, comparative prompt, first choice)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.