Ramp vs Expensify

Ramp is one of the clear leaders in the spend/expense management, budgeting space, and accounting automation space with a slightly different focus than that of Divvy. (Oh and it's totally free 👀)

They have a great UI/UX, tons of reporting/insights features, and a super clean and fast search functionality to find exactly what you're looking for:

One bit that I noticed when using Ramp is that they are a bit more focused on SMS interactions instead of having a fully-featured mobile app (unlike that of Divvy for example), Ramp only has an iOS app and it's mainly just for taking photos of receipts and matching transactions.

This might be a positive for those who have employees that aren't as tech-savvy, and you just need them to text a receipt in for it to tie to the expense management side of things (something that Divvy doesn't allow for).

The rewards are pretty standard with others in the 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).

They do although have slightly higher requirements than that of Divvy. You need to have somewhere around $70k sitting in your business bank account at the time of applying in order to be approved, which might be tough for businesses that don't really need to be sitting on cash in the bank.

All-in-all, they are focused a bit more broadly than that of Divvy, moving more into the accounting automation side of things and integrating with a few more accounting tools natively. They really have an impressive suite of tools.