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Index › Spend and procurement › Corporate cards › Ramp vs BILL Spend & Expense
Corporate cards · October 2026 Edition

Ramp vs BILL Spend & Expense

Seven of fourteen models named Ramp first on the direct prompt; zero named BILL Spend & Expense. Ramp was named by fourteen of the fourteen models and BILL Spend & Expense by thirteen and Ramp carries 64 labels and BILL Spend & Expense 47, so the shares are not directly comparable.

Ramp

endorsed leader

Named in seventeen categories this edition.

BILL Spend & Expense

accepted challenger

Named in six categories this edition.

First-choice share52%19%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate11%4%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#2A position in a field of 8; printed, not drawn.
Labels6447A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Ramp reading right to left. Rank and label count are printed, not drawn.Ramp vs Brex · Ramp vs Corpay · Ramp vs Airbase

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; every quote names the model and the prompt it came from. Both figures come from the corporate cards page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
RampFirst choices, of fourteen modelsBILL Spend & Expense
Direct701 against Ramp
Paraphrase102
Comparative80
Budget-constrained991 against Ramp
Scale-constrained401 against BILL Spend & Expense
Negative215 against Ramp · 1 against BILL Spend & Expense
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the October 2026 Edition, Ramp and BILL Spend & Expense were named in the same answer 300 times, of the 1084 answers naming Ramp and the 360 naming BILL Spend & Expense. In those answers BILL Spend & Expense took the first choice twenty-five times and Ramp 145.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Ramp and BILL Spend & Expense stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Ramp BILL Spend & Expense first choice named as an alternative argued againstblank: not namedEach cell is one answer, Ramp on the left and BILL Spend & Expense on the right.

The direct prompt

The plain question, one answer per model, grouped by where Ramp and BILL Spend & Expense stood in it.

Ramp first, BILL Spend & Expense an alternative

7 of 14 modelsBILL Spend & Expense was named in the answer but not as the choice, or not at all.
GPT-5.4 miniRamp alternatives: BILL Spend & Expense, Brex, Rippling Finance
Gemini 3.5 FlashRamp alternatives: Airbase, BILL Spend & Expense, Brex
Perplexity SonarCorpay, Ramp alternatives: BILL Spend & Expense, Navan, U.S. Bank Commercial Rewards Card
Grok 4.1 FastRamp alternatives: BILL Spend & Expense, Brex, Corpay, Payhawk
DeepSeek V4 FlashRamp, Rippling Spend alternatives: Airbase, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards Card
Kimi K2Ramp alternatives: Brex, Corpay
GPT-6 LunaRamp alternatives: BILL Spend & Expense, Brex

Neither was the first choice, one was named

5 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Claude Haiku 4.5no first choice alternatives: Airbase, BILL Spend & Expense, Ramp, The BILL Divvy Card, Volopay Card
Mistral SmallAirbase, Brex alternatives: Corpay, Ramp
Qwen 3.7 FlashU.S. Bank Commercial Rewards Card alternatives: BILL Spend & Expense, Rho, Rippling Spend
GLM 4.7 FlashXAirbase, Corpay alternatives: Airwallex, American Express Business Platinum, Ramp
MiniMax M2.5Corpay alternatives: Airbase, Ramp

Neither was named

2 of 14 modelsThe answer made no first choice from these two in this category.
Llama 4 Maverickno first choice
Muse Glimmer 30BCorpay alternatives: Airbase, U.S. Bank Commercial Rewards Card

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Ramp leads by fifty-eight points.
Ramp68%#1 of 7
BILL Spend & Expense10%#3 of 7
The full small business standing →
Mid-marketThe figures above
Ramp leads by thirty-three points.
Ramp52%#1 of 8
BILL Spend & Expense19%#2 of 8
The full mid-market standing →
Enterprise
Ramp leads by thirty-two points.
Ramp34%#1 of 11
BILL Spend & Expense2%#6 of 11
The full enterprise standing →

What the models said about Ramp

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.

“Ramp and Brex are strong for spend controls but "lack the managed service layer and vendor network depth that larger organizations need"” Muse Glimmer 30B · direct prompt · soft negative
“If you want a truly fee‑free, easy‑to‑manage card with solid integration, Ramp, Brex, and Divvy are frequently mentioned by small businesses.” MiniMax M2.5 · budget prompt · first choice

What the models said about BILL Spend & Expense

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. One of one in this category shown.

“BILL stands out as the most budget-friendly *corporate card program* because it offers $0/user/month” Perplexity Sonar · budget prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.