Corporate cards for enterprise buyers
Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of an enterprise B2B company. 56 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
34%
Contested · Brex 16%
34Ramp16Brex12American Express Corporate Card38others
34% of first choices, contested.
Since September 2026▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.Ramp held the lead, −17 points on 51%, past the floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Ramp68%Clear leader▼−9Since September 2026: 74% → 65%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketRamp52%Clear leader▼−21Since September 2026: 69% → 48%, −21 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →EnterpriseRamp34%Contested▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.This page
Ramp68%Clear leader▼−9Since September 2026: 74% → 65%, −9 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketRamp52%Clear leader▼−21Since September 2026: 69% → 48%, −21 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →EnterpriseRamp34%Contested▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Ramp34%15%61endorsed leader▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.51% → 34%
Ramp34%15%61endorsed leader▼−17Since September 2026: 51% → 34%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.51% → 34%02
Brex16%22%64accepted challenger▲+1Since September 2026: 15% → 16%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.15% → 16%
Brex16%22%64accepted challenger▲+1Since September 2026: 15% → 16%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.15% → 16%03
American Express Corporate Card12%6%36accepted challenger▲+3Since September 2026: 7% → 10%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 10%
American Express Corporate Card12%6%36accepted challenger▲+3Since September 2026: 7% → 10%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 10%04
Corpay7%6%18accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 6%
Corpay7%6%18accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 6%05
J.P. Morgan Commercial Cards4%0%16accepted challenger▼−6Since September 2026: 10% → 4%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 4%
J.P. Morgan Commercial Cards4%0%16accepted challenger▼−6Since September 2026: 10% → 4%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 4%06
BILL Spend & Expense2%12%25accepted challenger▼−3Since September 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 2%
BILL Spend & Expense2%12%25accepted challenger▼−3Since September 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 2%07
Navan2%0%15accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%
Navan2%0%15accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%08
Rippling Spend2%15%13accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%
Rippling Spend2%15%13accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%Show the three products at 0%, ordered by negative rate
11
SAP Concur0%20%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
SAP Concur0%20%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Airwallex0%9%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Airwallex0%9%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%09
Citi Commercial Cards0%7%15accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Citi Commercial Cards0%7%15accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
All fifteen head-to-head pages: the top six products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Ramp34%
Ramp34%02Brex16%
Brex16%03American Express Corporate Card12%
American Express Corporate Card12%04Corpay7%
Corpay7%05J.P. Morgan Commercial Cards4%
J.P. Morgan Commercial Cards4%06BILL Spend & Expense2%
BILL Spend & Expense2%07Navan2%
Navan2%08Rippling Spend2%
Rippling Spend2%09Citi Commercial Cards0%
Citi Commercial Cards0%10Airwallex0%
Airwallex0%11SAP Concur0%
SAP Concur0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Brex22%
14 of 64 labels negative · 10 of 14 models · 2 hard negative
“Random account shutdowns reported; historically favored venture-backed startups over bootstrapped businesses... Brex in particular has faced criticism for closing accounts unexpectedly.” Kimi K2, negative prompt
Ramp15%
9 of 61 labels negative · 6 of 14 models · 1 hard negative
“Several fintech providers (most notably **Ramp** and **Brex**) tie credit limits directly to the company's cash balance or investment portfolio.” Qwen 3.7 Flash, negative prompt
BILL Spend & Expense12%
3 of 25 labels negative · 3 of 14 models
“Pilot it carefully before making it your global, enterprise-wide standard.” GPT-6 Luna, negative prompt
Chase Ink75%
3 of 4 labels negative · 2 of 14 models · 2 hard negative
“Programs/Types to **Avoid** for Large Enterprises: ... Small Business or "Business" Credit Cards (e.g., Many Visa/Mastercard Small Biz Offerings from Banks like Chase Ink or Capital One Spark)” Grok 4.1 Fast, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
80 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 1200 links across 210 sites, every framing counted. Ranked by the number of answers carrying the site or page. 10 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · Brex57 answers · 118 citations · 14 models
vendor site · Ramp52 answers · 126 citations · 13 models
vendor site · Rippling50 answers · 75 citations · 12 models
vendor site · Corpay42 answers · 63 citations · 13 models
vendor site · Airwallex33 answers · 40 citations · 11 models
vendor site · BILL31 answers · 36 citations · 13 models
vendor site · American Express29 answers · 64 citations · 13 models
vendor site · Navan29 answers · 34 citations · 13 models
vendor site · JPMorgan26 answers · 31 citations · 11 models
23 answers · 28 citations · 10 models
22 answers · 23 citations · 12 models
21 answers · 24 citations · 11 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
35 answers · 10 models
30 answers · 11 models
25 answers · 11 models
25 answers · 10 models
22 answers · 12 models
21 answers · 10 models
20 answers · 10 models
20 answers · 9 models
17 answers · 8 models
17 answers · 9 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best corporate card program”, “corporate card program”, “corporate card programs”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Ramp ramp.com | 34% | 1042 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 2 |
| American Express americanexpress.com American Express Corporate Card 12%, American Express Corporate Cashback Card 4%, American Express Business Platinum 2%, American Express Corporate™ 2% and 2 more | 23% | 69 | 3,350,000 | 23,185 | 22,105,127 company | $20,307 | 119 | 3 |
| Brex brex.com | 16% | 640 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 1 |
| Corpay corpay.com Corpay 7%, Corpay Commercial Card 2% | 9% | 44 | 14,800 | 531 | 25,659 | $4,482 | 12 | 9 |
| J.P. Morgan jpmorgan.com J.P. Morgan Commercial Cards 4% | 4% | 21 | 301,000 | 12,219 | 5,773,129 company | $27,414 | 120 | 7 |
| BILL bill.com BILL Spend & Expense 2% | 2% | 342 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Navan navan.com | 2% | 306 | 110,000 | 1,342 | 175,958 | $2,716 | 120 | |
| Rippling rippling.com Rippling Spend 2% | 2% | 95 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Airbase airbase.com | 2% | 158 | 14,800 | 577 | 5,429 | |||
| Coupa coupa.com | 2% | 674 | 60,500 | 1,210 | 41,319 | $339 | 91 |
Google's top ten for the three searches hold 20 sites; 7 of them are among the sites the models cited here (airwallex.com, americanexpress.com, brex.com, corpay.com, jpmorgan.com, ramp.com, wise.com). The first result for “best corporate card program” is brex.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best corporate card program for an enterprise B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade corporate card programs and how do they differ?”Budget-constrained“What is the best corporate card program for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5NavanBrexChangedno first choiceCiti Purchasing Card, J.P. Morgan Commercial Cardsno first choicenothing named
Three alternatives
Brex, Ramp, SAP ConcurTwo alternatives
Chase Ink Business Preferred® Credit Card, RampOne alternative
RampGPT-5.4 miniBrex, RampAmerican Express Corporate CardChangedAirbase, RampAmerican Express Corporate Cardagainst: Brexno first choicenothing named
Two alternatives
American Express Corporate Card, BILL Spend & ExpenseOne alternative
BILL Spend & ExpenseFour alternatives
Brex, Expensify Card, Marqeta, NavanTwo alternatives
Corpay, bank-issued large-corporate programsGemini 3.5 FlashBrex, RampBrex, RampHeldBrex, RampBILL Spend & Expenseagainst: American Express Corporate Card, Chase, Citi Commercial Cards, SAP ConcurRampagainst: SAP Concuragainst: American Express Business cards, Brex, Capital One, Chase Ink
Four alternatives
Airbase, American Express Corporate Card, Navan, SAP ConcurThree alternatives
Airbase, Expensify, NavanFour alternatives
Airbase, American Express Corporate Card, Citi Commercial Cards, NavanTwo alternatives
Brex, RampTwo alternatives
Airbase, BrexPerplexity SonarBrex, RampBrexChangedAmerican Express Corporate Card Programs, Citi Commercial CardsRampagainst: Coast, Corpayno first choicenothing named
Three alternatives
American Express Corporate Card, BILL Spend & Expense, U.S. Bank Commercial Rewards CardFive alternatives
American Express Corporate Card, Citi Commercial Cards, J.P. Morgan Commercial Cards, Ramp, Rippling SpendEight alternatives
BILL Spend & Expense, Brex, Corpay, J.P. Morgan Commercial Cards, Navan, Rippling Spend, U.S. Bank commercial cards, ZipTwo alternatives
Brex, J.P. Morgan One Card / commercial card programsGrok 4.1 FastRampRampHeldRampRampagainst: BILL Spend & Expense, Brex, Capital One Spark Cash Plus, Chase Ink, Rippling SpendRampagainst: American Express Business Platinum, Bank of America, Capital One Spark, Chase Ink, Citi Corporate
Two alternatives
American Express Corporate Card, BrexThree alternatives
American Express Corporate Card Programs, BILL Spend & Expense, BrexFour alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, RhoOne alternative
Amex Corporate PlatinumTwo alternatives
Brex, CorpayMistral SmallRampRamp, Rippling SpendChangedagainst: American Express® Business Platinum CardBrexAmerican Express Corporate Cashback Cardsagainst: Brex, Ramp, Rippling Spendno first choiceagainst: American Express Corporate Platinum Card, Brex, Corpay Business Credit Card, U.S. Bank Commercial Rewards Card
Three alternatives
Brex, Corpay, NavanFive alternatives
Amex Corporate Platinum, BILL Spend & Expense, Chase Ink Business Preferred, Corpay, RampDeepSeek V4 FlashCorpay Commercial Cardagainst: BILL Spend & Expense, BrexAmerican Express Corporate CardChangedAmerican Express Corporate Card, Citi Commercial CardsAmerican Express Corporate Cashback Cardagainst: Airwallex, Amex Corporate Platinum, Brex, Rampno first choiceagainst: American Express Corporate Card, Brex, Chase
Two alternatives
American Express Corporate Card, RampThree alternatives
Brex, Corpay, RampFive alternatives
BILL Spend & Expense, Brex, Corpay, J.P. Morgan Commercial Cards, RampLlama 4 Maverickno first choiceRampChangedno first choiceAmerican Express Business Platinum, Capital One Spark Cash Plusno first choicenothing named
Two alternatives
American Express® Business Platinum Card, Divvy, now part of BILLQwen 3.7 FlashRampRampHeldBrex, RampAmerican Express Corporate Cardagainst: Rampno first choiceagainst: Brex, Ramp
Three alternatives
American Express Corporate Card, Brex, Chase Ink Business PreferredTwo alternatives
American Express Corporate Card, Citi Commercial CardsFive alternatives
American Express Corporate Card, BILL Spend & Expense, Capital One Commercial, Citi Commercial Cards, Rippling SpendFour alternatives
Airwallex, J.P. Morgan Commercial Cards, Rippling Spend, Wells FargoKimi K2Coupa, RampAmerican Express® Corporate ProgramChangedRampAmerican Express Corporate Cashback Cardagainst: Brex, Ramp, Stripe Corporate Cardno first choiceagainst: Brex, Mercury, Ramp, U.S. Bank Commercial Rewards Card
Three alternatives
Brex, Emburse, SAP ConcurTwo alternatives
Brex, RampFive alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, Navan, RhoOne alternative
MercuryGLM 4.7 FlashXCorpay, J.P. Morgan Commercial CardsCorpayChangedno first choiceAmerican Express Corporate Cardno first choicenothing named
Six alternatives
Airwallex, American Express Corporate Card, Brex, Navan, Ramp, SAP ConcurOne alternative
RampSeven alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, Citi Commercial Cards, Corpay, J.P. Morgan Commercial Cards, RampThree alternatives
Airwallex, BILL Spend & Expense, RampMiniMax M2.5CorpayBrex, RampChangedagainst: Airbaseno first choiceAmerican Express Corporate™against: EmburseAirbase, American Express Global Corporate Payments, Brexagainst: Rampagainst: Brex, Ramp
Five alternatives
Airwallex, American Express Corporate Card, Brex, J.P. Morgan Commercial Cards, NavanTwo alternatives
Citi Commercial Cards, J.P. Morgan Commercial CardsSix alternatives
American Express Business Platinum, Brex, Corpay, Payhawk, Ramp, Rippling SpendTwo alternatives
Brex, RampOne alternative
Rippling SpendGPT-6 LunaRampBrexChangedBrex, RampRampno first choiceagainst: Airbase, BILL Spend & Expense, Brex
Two alternatives
American Express Corporate Card, BrexOne alternative
J.P. Morgan Commercial CardsFive alternatives
American Express Corporate Card, Citi Commercial Cards, J.P. Morgan Commercial Cards, Navan, U.S. Bank Commercial Rewards CardOne alternative
BrexMuse Glimmer 30BCorpayAmerican Express Corporate CardChangedBrex, RampAmerican Express Corporate Cardno first choiceagainst: Brex, Mercury, Ramp
Four alternatives
American Express Corporate Card, Brex, Ramp, Rippling SpendTwo alternatives
Brex, CorpayFour alternatives
American Express Global Corporate Payments / Amex Corporate, Citi Commercial Cards, Corpay Mastercard Commercial Cards, J.P. Morgan Commercial CardsTwo alternatives
BILL Spend & Expense, RhoBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:17 | yes | 16 | 10 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:12 | yes | 3 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:26 | yes | 19 | 27 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 08:05 | yes | 20 | 5 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:27 | yes | 23 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:13 | yes | 17 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:02 | yes | 19 | 34 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:50 | yes | 5 | 1 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:42 | yes | 9 | 31 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:38 | yes | 14 | 22 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:12 | yes | 23 | 32 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:53 | yes | 5 | 15 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:38 | yes | 3 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:47 | yes | 12 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 07:50 | yes | 28 | 13 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:07 | yes | 3 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:29 | yes | 19 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 08:57 | yes | 21 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:23 | yes | 25 | 10 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:51 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:59 | yes | 21 | 45 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:38 | yes | 5 | 1 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:26 | yes | 10 | 48 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:55 | yes | 15 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:59 | yes | 21 | 22 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:50 | yes | 24 | 53 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:20 | yes | 4 | 16 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:34 | yes | 21 | 45 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:41 | yes | 9 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:47 | yes | 6 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:42 | yes | 22 | 31 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 08:10 | yes | 19 | 7 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:54 | yes | 22 | 15 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:59 | yes | 8 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:30 | yes | 24 | 41 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:18 | yes | 5 | 8 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:30 | yes | 10 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:01 | yes | 16 | 34 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:14 | yes | 25 | 125 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:06 | yes | 11 | 22 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:53 | yes | 7 | 26 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:58 | yes | 19 | 51 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:17 | yes | 17 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:09 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:49 | yes | 20 | 26 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 09:11 | yes | 17 | 5 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:38 | yes | 23 | 12 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:44 | yes | 12 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:56 | yes | 21 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:55 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:01 | yes | 16 | 125 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:59 | yes | 25 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:38 | yes | 23 | 25 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:00 | yes | 20 | 80 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:02 | yes | 2 | 18 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:53 | yes | 18 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:39 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:21 | yes | 4 | 9 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:28 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:43 | yes | 12 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:22 | yes | 15 | 10 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:06 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:05 | yes | 23 | 43 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:01 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:13 | no | 0 | 32 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:57 | yes | 24 | 40 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:56 | yes | 24 | 35 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:51 | yes | 5 | 21 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:50 | yes | 3 | 26 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:14 | yes | 15 | 22 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:44 | yes | 17 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:09 | yes | 5 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:06 | yes | 14 | 34 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:57 | yes | 14 | 5 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:50 | yes | 23 | 10 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:18 | yes | 16 | 10 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:17 | yes | 23 | 38 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:37 | yes | 9 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:04 | yes | 23 | 49 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:13 | yes | 24 | 23 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:16 | yes | 19 | 75 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:42 | yes | 22 | 36 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:04 | yes | 3 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:17 | yes | 23 | 33 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
American Express read as American Express Corporate Card
American Express (Amex Corporate Cashback Card) read as American Express Corporate Card
American Express (Amex Corporate) read as American Express Corporate Card
American Express (Corporate Platinum/Green) read as American Express Corporate Card
American Express (Corporate Programs) read as American Express Corporate Card
American Express Corporate read as American Express Corporate Card
Amex read as American Express Corporate Card
BILL read as BILL Spend & Expense
BILL (Divvy) read as BILL Spend & Expense
BILL (formerly Divvy) read as BILL Spend & Expense
BILL Spend read as BILL Spend & Expense
Bill read as BILL Spend & Expense
Citi read as Citi Commercial Cards
Citi Commercial read as Citi Commercial Cards
Citibank read as Citi Commercial Cards
Divvy read as BILL Spend & Expense
Divvy (now part of BILL) read as BILL Spend & Expense
Divvy (now part of Bill.com) read as BILL Spend & Expense
J.P. Morgan read as J.P. Morgan Commercial Cards
J.P. Morgan Chase read as J.P. Morgan Commercial Cards
J.P. Morgan Commercial Card read as J.P. Morgan Commercial Cards
JPMorgan read as J.P. Morgan Commercial Cards
JPMorgan Chase read as J.P. Morgan Commercial Cards
Rippling read as Rippling Spend
Stripe read as Stripe Corporate Card
U.S. Bank Commercial Rewards read as U.S. Bank Commercial Rewards Card
Unresolved, counted raw
American Express Corporate Cashback Cards
American Express Corporate™ (Corporate Cashback® Card)
American Express Global Corporate Payments
American Express Global Corporate Payments / Amex Corporate
American Express® Business Platinum Card
American Express® Corporate Program
BILL Corporate Card
Bank of America commercial card programs
Chase Ink Business Preferred® Credit Card
Citi Corporate
Citi Purchasing Card (P-Card)
Corpay Business Credit Card
Corpay Commercial Card
Corpay Mastercard Commercial Cards
Divvy, now part of BILL
Emburse Spend Card
Expensify Card
J.P. Morgan One Card / commercial card programs
JPMorgan Chase Commercial
Mastercard commercial card rails
TD virtual cards
U.S. Bank commercial cards
bank-issued large-corporate programs
Discontinued, still offered
No shut-down product was recommended here.