Best corporate card and expense tools (October 2026)
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Physical and virtual company cards with spending limits, receipt capture and approvals. Most are limited to certain countries, so check eligibility first.
Only want free? See the best free corporate card and expense tools, with what each free plan includes.
Check your country. Business accounts and cards are licensed country by country. Before you apply, confirm on the provider's sign-up page that it accepts businesses registered where yours is.
The ranking
- 1
Brex
by BrexBest free starting pointCorporate cards, expenses and bill pay, with a free Essentials plan.
Virtual cardsFree planReceipt capture and approvalsPros
- Virtual cards
- Free plan
- Non-US entity set-up only on Enterprise
Cons
- No drawbacks found in our data
- 2
Ramp
by RampBest free starting pointCorporate cards and spend management with a free plan; cards issued in the US, Canada, UK and EEA.
Virtual cardsFree planReceipt capture and approvalsPros
- Virtual cards
- Free plan
Cons
- No drawbacks found in our data
- 3
Airwallex Spend
by AirwallexBest free starting pointMulti-currency corporate cards and expenses, free for up to 10 spend users.
Pros
- Virtual cards
- Free plan
Cons
- Receipt capture and approvals: check on Airwallex Spend's site
- 4
Pleo
by PleoLowest entry priceCompany cards and expense tracking for European teams.
Virtual cardsFree planReceipt capture and approvalsPros
- Virtual cards
- Receipt capture and approvals
Cons
- No free plan
- 5
Payhawk
by PayhawkGood all-round optionCards, expenses, payables and procurement for multi-entity companies in Europe and North America.
Virtual cardsFree planReceipt capture and approvalsPros
- Virtual cards
- Receipt capture and approvals
- Optional 7-day free trial
Cons
- No free plan
Compare all in a table
| Rank | Product | Score | Entry price (USD) | Virtual cards | Free plan | Receipt capture and approvals | Action |
|---|---|---|---|---|---|---|---|
| 1 | Brex | 97 | 12.00 | Yes | Yes | Yes | Visit site |
| 2 | Ramp | 93 | 15.00 | Yes | Yes | Yes | Visit site |
| 3 | Airwallex Spend | 87 | 12.00 | Yes | Yes | Not confirmed | Visit site |
| 4 | Pleo | 70 | 10.59 | Yes | No | Yes | Visit site |
| 5 | Payhawk | 53 | 197.17 | Yes | No | Yes | Visit site |
Entry price is the cheapest paid plan, converted to USD where the vendor prices in another currency. Usage-based prices are not compared.
What to check
Virtual cards. 5 of 5 confirm it.
Free plan. 3 of 5 confirm it.
Receipt capture and approvals. 4 of 5 confirm it.
Score: features 30, free plan or trial 20, pricing transparency 25, entry price value 25. Commissions are never part of it. Full method.
Questions
What is the cheapest option?
Pleo, from GBP 8 per user per month (≈ USD 10.59).
Is there a free option?
3 of the 5 ranked products have a free plan.