# Brex vs Corpay: which do AI models recommend for corporate cards, October 2026

Finance AI Recommendation Index, October 2026 Edition, Corporate cards. One of fourteen models named Brex first on the direct prompt; four named Corpay. Page: https://finance-ai-index.com/spend/corporate-cards/brex-vs-corpay/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Brex | 12% | #3 of 8 | 15% | 60 | 14 of 14 |
| Corpay | 7% | #4 of 8 | 0% | 11 | 8 of 14 |

## The direct prompt, model by model

- Mistral Small: brex first (first choices: Airbase, Brex) (alternatives: Corpay, Ramp)
- Perplexity Sonar: corpay first (first choices: Corpay, Ramp) (alternatives: BILL Spend & Expense, Navan, U.S. Bank Commercial Rewards Card)
- GLM 4.7 FlashX: corpay first (first choices: Airbase, Corpay) (alternatives: Airwallex, American Express Business Platinum, Ramp)
- MiniMax M2.5: corpay first (first choices: Corpay) (alternatives: Airbase, Ramp)
- Muse Glimmer 30B: corpay first (first choices: Corpay) (alternatives: Airbase, U.S. Bank Commercial Rewards 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)
- 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)
- 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)
- Claude Haiku 4.5: neither named (alternatives: Airbase, BILL Spend & Expense, Ramp, The BILL Divvy Card, Volopay Card)
- Llama 4 Maverick: neither named
- Qwen 3.7 Flash: neither named (first choices: U.S. Bank Commercial Rewards Card) (alternatives: BILL Spend & Expense, Rho, Rippling Spend)

## 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)

## What the models said about Corpay

- "The Corpay Mastercard leads for mid-market and enterprise companies that need AP-integrated card payments, managed vendor enrollment, and rebates that scale with spend volume" (Muse Glimmer 30B, direct prompt, first choice)
- "Corpay Mastercard appears to be specifically highlighted as the best for mid-market and enterprise B2B companies" (MiniMax M2.5, direct prompt, first choice)
- "For larger organizations needing full AP automation and vendor management, Corpay is strongest." (MiniMax M2.5, 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.