Five tools, two pricing families, and one fee nobody puts in the headline. Expensify sells the expense report at a flat $5 per unique member a month with no annual commitment and no card requirement. Navan gives the entire platform away for companies up to 300 employees, because travel booking commissions pay for the software rather than a subscription. Brex and Ramp both open at $0 per user a month and step to $12 (Brex Premium) and $15 (Ramp Plus, plus a team-size platform fee) - both are card programs first, expense reporting second, and neither publishes its interchange economics. Airwallex is the exception: it prints 2.80% + $0.30 domestic cards, 4.30% + $0.30 international, 0.50% per subscription transaction and $15-$25 wires as actual numbers, because for it the payment rails are the product. The question that decides the purchase is whether you are buying an expense report or a card program. Which one fits depends on what you are actually buying. If you want an expense report with no card program attached, Expensify Collect is the only one priced that way: $5 per unique member a month, pay-per-use with no annual commitment and no card required — and Expensify's own billing note warns that on Control, employees who never submit an expense still count. If you want the card program to be the product, Brex opens at $0 per user a month (Essentials) with Premium at $12, and Ramp opens at $0 with Plus at $15 per user a month plus a company-size platform fee; Ramp publishes a 20% discount for annual billing, Brex publishes no annual rate at all. Airwallex is the pick when money moves across borders: Explore is $0 per user a month, Grow $12 plus a platform fee, the first 10 Spend users are free and each active one above that costs $12 a month — and the rails underneath print their prices, 2.80% + $0.30 domestic cards, 4.30% + $0.30 international, 0.50% per subscription transaction, $15-$25 per wire. Navan is the opposite shape: free for companies up to 300 employees because provider commissions fund the software, with Navan Expense free for the first five expensing users and $15 per user a month after that. The one line to read before you count heads is the seat definition, because the five tools do not agree on who is billable. Prices read from the vendor pages on 2026-10-03.
Collect is a flat $5 per unique member a month, pay-per-use only, with no annual commitment and no Expensify card requirement - bring-your-own-card imports work across more than 10,000 banks. Control annual is $18 per member included plus $36 per active member above your subscription size, and Card usage can halve the included price to $9.
Free tier: No — trial only · Free 30-day trial of Collect
Paid from: $5/member/mo (Collect) (Charged per unique member on Collect and per active member on Control, so employees who never submit an expense still count on Control; orgs whose first workspace predates 2025-04-01 stay on legacy Collect pricing)
Expensify is the pay-as-you-go outlier of expense management: Collect is a flat $5 per unique member a month, and Control annual starts at $18 per member included, dropping to $9 with Expensify Card volume discounts.
Free is a genuine $0 and Plus is $15 per user per month with a 20% published annual discount. Plus puts card limits, custom approval policies, automatic card freezing, budget tracking and bill pay behind one console - features most vendors sell as enterprise. The platform fee is quoted by team size rather than as a number.
Free tier: Yes
Paid from: $15/user/mo (Plus) plus platform fee (Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line)
Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing.
Essentials $0 and Premium $12 per user per month - the smallest step between published tiers in the cluster - with revenue-based rewards and a credit line attached. Essential caveat: interchange, cash-advance and wire fees are quoted case by case rather than published.
Free tier: Yes
Paid from: $12/user/mo (Premium) (Billed per user per month on top of card spend; the page also lists per-transaction card and wire fees ($15-$25 per wire in the comparative table) and the premium/enterprise tiers add credit and control features rather than metered units)
Brex runs a two-step public price list: Essentials is $0 per user per month and Premium is $12 per user per month, with the card, the expense tooling and the credit line all sitting on top of that seat fee.
Explore $0 per user a month with unlimited multi-currency cards and zero international fees; Grow $12 per user plus a team-size platform fee, with 10 free Spend users. Then the fees are numbers: 2.80% + $0.30 domestic, 4.30% + $0.30 international, 0.50% per subscription charge, $15-$25 per wire.
Free tier: Yes
Paid from: $12/user/mo (Grow) plus platform fee (Subscription per user plus a team-size platform fee, with payment and card rails charged separately: 2.80% + $0.30 domestic, 4.30% + $0.30 on international cards, 0.50% per successful subscription transaction, $15-$25 per wire, and $12 per active Spend user/month above the 10 free Spend users up to 250)
Airwallex is the multi-currency account layer that also does spend: Explore is $0 per user per month, Grow is $12 per user per month plus a platform fee, and Accelerate is custom - with up to 10 free Spend users.
Bottom line: Ramp is the best overall product here for controlling spend, and Expensify is the best value for the expense report itself - a flat $5 per unique member a month with no card and no annual lock-in is the most quotable number in this cluster. Brex wins on the price list and the credit line, Airwallex is the only vendor that will show you its transaction fees before you sign, and Navan is free outright below 300 employees. The trap in this category is comparing seat prices: on a real card program the interchange, cash-advance and FX lines decide the invoice, and two of these five vendors make you ask a salesperson for those numbers.
Expensify. Collect costs a flat $5 per unique member a month with no annual commitment, and it is the only tier in the cluster priced that way. Brex and Ramp give you $0 tiers but their paid steps are $12 and $15 per user before any platform fee, and Airwallex Grow is $12 plus a team-size platform fee.
No - Expensify explicitly works without its own card, importing feeds from more than 10,000 banks and reimbursing without one. Brex, Ramp and Airwallex all bundle the card into the product, which is how they make money, but their expense reporting does not require you to route spend through their card.
Navan - the whole platform is free for companies with 300 or fewer employees with no trip limit, funded by booking commissions. Brex Essentials and Ramp Free are also $0 without a card requirement, and Airwallex Explore is $0 with unlimited multi-currency cards. Expensify has no free tier, only a 30-day trial of Collect.
Airwallex, and it is the reason it belongs in this comparison: 2.80% + $0.30 domestic cards, 4.30% + $0.30 international, 0.50% per successful subscription transaction and $15-$25 per wire, all on the pricing page. Brex and Ramp both describe their card and cash-advance fees without publishing the numbers.
Only partly. For an expense-reporting tool, per member is the real cost. For a card program, the seat fee is often the smaller line - interchange, cash advances, wire fees and FX revenue usually decide the bill, and those are exactly the numbers Brex and Ramp do not publish.