We find it tough to recommend Rippling Spend over BILL Spend & Expense or Ramp.
What we'd say here is, if you're a team that is already using Rippling for other areas of their business like Payroll, maybe give Rippling Spend a shot.
Otherwise, you're probably better off with BILL Spend & Expense as it'll give a better UI/UX and will also be cheaper in the long-run as they don't charge for their software and just make money on interchange fees.
We believe there are better options available in this category, read below to learn what this software does well, and what they could do better. ⤵
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BILL Spend & Expense (Formerly Divvy) The spend management platform for teams of all sizes (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
I'm sure you've heard of a business credit card? Divvy is a replacement for your typical corporate card. It's totally free to use (no annual fee), you get rewards and it has a much more comprehensive feature set, giving you the ability to create virtual credit cards for each vendor with spending limits. Further, Divvy is an expense management solution. Bought a new marketing software? Categorize it and when integrated with Quickbooks Online, it will automatically reconcile your books for you.
Simply put, if you are a business owner living in the United States, you are missing out if you're not using an expense management solution + a divvy business credit card. There are other players in the market, and we've used all of the core competitors (Ramp, Brex, Expensify, and Airbase), and we're here to tell you to look no further than Divvy (newly rebranded to BILL Spend & Expense). (Did we mention it's totally free? 👀)
Divvy gives us so much control when it comes to our spending. We can easily create a virtual credit card, set a budget and Quickbooks category within seconds for each different vendor. We simply set a budget for each credit card for the exact amount that we know will be charged. If a subscription service decides to increase their pricing and charge our card, it will decline. And we like that, because we want to be the one deciding if someone should charge us more or not. 💪
Because we're able to put virtual cards down with each vendor, Divvy's allowed us (and our vendor) to actually catch a person that committed fraud by stealing and using our credit card 🤯 Of course, the employee of our vendor was fired. Catching them would have been impossible to pin down if we had a generic credit card on file. We share this story in this 1 minute video.
Have multiple employees that need their own corporate card? Create a card for them and set a spending limit, that's all you need to do. You can change the spending limit for each employee, make it $50 or $500, Divvy cards allow you to be flexible. If they leave the company, simply freeze the card (you have total control—just think of what the process is like with a typically corporate card. Issuing a new card for an employee is an annoying process, as is cancelling it). Not to mention the positive affect it has on your employees, as they get to feel empowered and like a trusted part of the team.
The rewards are pretty standard with others in the business credit card space, getting somewhere around 1–1.5% on all categories, with a bit more in certain categories (higher % when making payments weekly—less if made bi-weekly or monthly).
One customer that we recommended Divvy to started using it and quickly saw his reward balance grow. He decided to use the reward funds as Christmas bonuses for his employees. He said, "it's money that's just sitting there, and if I can give them a little extra to take home at the end of the year, it's something cool I get to do."
Travel rewards are also a perk with Divvy as they are partnered with TravelPerk. While we haven't cashed in our travel rewards yet, it's a great option for our next company retreat!
Out of all the competitors, Divvy has the best UI/UX and does a fantastic job at natively integrating with QuickBooks Online (for automating your expense reconciling process), and handles team budgeting like a dream:
Divvy allows you to create a virtual credit card and map it to the respective category + set up an email forwarding filter within your email once, and every single time the card is charged, your QuickBooks Online is already reconciled and up-to-date with a PDF of the receipt.
The Divvy eligibility requirements are way more accessible than that of Ramp and Brex (who both make their account criteria unnecessarily high). Divvy is great for startups and teams of all sizes, even if you're just getting your business started.
Divvy is the best tool in the spend management, business credit cards, budgeting, and basic accounting automation suite for most businesses of all sizes.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Rippling Spend is worth considering if you have 50+ employees or are already in the Rippling ecosystem (e.g., using their Human Capital Management and Payroll products). Otherwise, we suggest exploring either BILL Spend and Expense or Ramp.
Here’s why:
Many of Spend’s core features and value adds are only accessible if you use Rippling’s other products, HCM and Payroll, which enable you to leverage all of your employee data. Without this ability to leverage employee data, you only have access to a subset of features and functionalities that we feel do not offer the same value as both BILL S&E and Ramp, which come at a lower cost. This makes BILL S&E and Ramp strong options for companies seeking standalone spend management solutions.
On the other hand, if you:
You might find value in Rippling Spend. The features Rippling touts in their marketing materials (policies, card groups, etc.), that leverage the data that’s in Rippling’s other platforms, truly are great offerings that undoubtedly save users time – time spent manually entering data, looking across multiple platforms for data, reviewing policies, reconciling expense reports, etc.
Just make sure you watch out for:
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