Ramp and Brex are corporate charge card and spend management platforms for businesses. Ramp’s card pages state no annual fee. Brex’s platform agreement does not publish one standard annual fee in the account definition. Eligibility and rewards differ.
This comparison documents each product’s structure and mechanics symmetrically. Neither product is ranked or endorsed.
At a glance
- Ramp: U.S. corporations, LLCs, and LPs; Ramp’s own pages say applicants need an EIN and at least $25,000 in a business bank account. Rewards are points at a rate Ramp sets.
- Brex: U.S. companies only. Brex LLC is a wholly owned subsidiary of Capital One, N.A. Rewards are points, not a flat cash rebate.
How the products compare structurally
| Dimension | Ramp | Brex |
|---|---|---|
| Card type | Charge card | Charge card |
| Issued by | Sutton Bank on the Commercial Card; other Ramp Visa cards name Celtic Bank, Column N.A., or Lead Bank | The network-member bank named on the card |
| Credit limit basis | Connected business finances | Company financials, not a personal guarantee |
| Deposit account | Separate from the card | Checking at Column N.A.; treasury at Brex Treasury LLC |
| Spend management | Cards, bills, reimbursements | Cards, bills, reimbursements, travel |
| Rewards model | Points, convertible to cashback credits | Points on eligible U.S. card spend |
| Annual fee | None on the standard card | None stated as a standard card fee |
| Eligibility floor | U.S. corporation, LLC, or LP; EIN; $25,000 bank balance on Ramp’s pages | U.S. C-corp, S-corp, LLC, or LLP only |
How each product is structured
Ramp
Ramp’s Visa Commercial Card is issued by Sutton Bank under Sutton Bank cardholder terms. Ramp’s own card pages also name Celtic Bank, Column N.A., and Lead Bank as issuers of other Ramp Visa cards. Credit limits are tied to the business, not a personal credit check. Ramp’s site says a U.S. applicant needs a registered corporation, LLC, or LP, an EIN, and at least $25,000 in a business bank account. Sole proprietors are outside that description.
The spend management suite handles card controls, bill pay, vendor management, employee reimbursements, and receipt matching.
Rewards are points, not a published flat percentage. The Ramp rewards terms say points accrue at a rate Ramp sets, and that points may be converted to cashback credits. Those credits offset amounts the company owes Ramp. They are not cash. Foreign and non-USD transactions are excluded from qualified purchases in those terms.
Brex
The Brex platform agreement defines Brex as Brex LLC, a wholly owned subsidiary of Capital One, N.A. The card issuer is the bank that is a member of the card network printed on the card. The agreement does not name LendingClub. Brex’s help center says business-account checking is a commercial deposit at Column N.A., and that treasury and vault services are provided by Brex Treasury LLC, a Capital One company.
Only companies organized in the United States, such as C-corps, S-corps, LLCs, or LLPs, may apply. Individuals, sole proprietors, unincorporated partnerships, and non-U.S. companies cannot open a Brex account under that agreement.
Brex expense tools cover card issuance, spending controls, travel booking, and reimbursements. Points accrue on eligible card spend. The Brex help center says prepaid flights and hotels booked in Brex Travel earn 4 points per $1, and other eligible USD purchases at U.S. merchants earn points at the account’s multiplier. Points do not expire while the account is active. Redemption value depends on the path Brex offers that account.
Fees and pricing mechanics
Ramp’s card pages state there is no annual fee on the corporate card. Brex’s public agreement does not publish a single standard annual fee in the sections that define the account. Software tiers above the base card can still be priced separately, and those prices are not fixed in the cardholder terms.
Both platforms earn interchange when the card is used. Rewards are paid from that card economics, at a rate each company sets.
Limits, eligibility, and availability
Ramp’s card explainers limit U.S. applicants to corporations, LLCs, and LPs with an EIN and at least $25,000 in a connected business bank account. Sole proprietors fall outside that description. Those pages also list Canada, with a CA$25,000 connected-balance test.
Brex’s platform agreement limits applications to U.S. registered companies and bars sole proprietors. It does not publish a $50,000 cash minimum in that agreement. Limits can still depend on company financials.
Neither platform is a personal card.
Tradeoffs and constraints
Ramp’s published floor is a connected bank balance of at least $25,000 and a registered entity. A business under that balance does not meet the page-level test, even if it is a U.S. company.
Brex’s constraint is legal form and U.S. registration, plus whatever underwriting the issuer applies. Ownership sits with Capital One, N.A., through Brex LLC. The card, the Column checking account, and the Brex Treasury LLC brokerage account are separate products with separate protections.
See also: Mercury vs. Brex for a comparison of business deposit account structures.
