Brex vs Ramp vs Divvy: Best Corporate Card for LLC in 2026
If you run an LLC and you're tired of mixing personal and business spend on a Chase Ink card, you've probably looked at Brex, Ramp, and Divvy (now BILL Spend & Expense).
All three pitch themselves as the corporate card built for modern small businesses.
They aren't the same product, though, and picking the wrong one can cost you real money in 2026.
I've used all three across two different LLCs since 2022.
Below is what actually matters: who gets approved, how the rewards stack up, where each one quietly nickel-and-dimes you, and which one fits a solo LLC versus a 10-person team.
No fluff, just the call I'd make today.
Quick Verdict: Which Corporate Card Wins in 2026
Here's the short answer before the long one.
For LLCs with at least $50,000 in a business bank account or recurring revenue, Brex is the strongest pick if you want global cards, travel rewards, and built-in startup banking.
Ramp wins for any LLC that wants the most aggressive expense controls and AI-driven savings, and it's free.
Divvy fits LLCs with weaker financials or seasonal cash flow because it underwrites differently and offers true credit limits with no personal guarantee in many cases.
My current setup: Ramp for our 6-person consulting LLC, Brex for a side LLC that holds a treasury account.
I switched away from Divvy in 2024-08 after their rewards tier got clipped.
More on that below.
Brex Review: Who Should Actually Use It
Brex launched in 2017 and rebuilt itself in 2022 to focus on funded startups and mid-market companies.
As of 2026-01, Brex requires roughly $50,000 in a US business bank account to qualify for the standard charge card, or proof of venture funding.
That cutoff matters.
If your LLC is bootstrapped and runs lean, Brex will likely reject your application within 24 hours.
What you get when you do qualify is genuinely strong.
Brex Premium is $12 per user per month and includes unlimited cards, multi-currency capability across 50+ countries, and a global Brex business account that earns yield (4.36% APY on cash management as of 2026-Q1, per Brex's official rate sheet).
The rewards are the highest in this category for travel-heavy founders: 7x on rideshare, 4x on Brex Travel bookings, 3x on restaurants, and 1x on everything else.
Last spring I booked a SaaStr Annual trip through Brex Travel for our team.
Four flights plus three hotel nights ran $4,840 and we netted 19,360 points back, which I redeemed for $290 in statement credit.
That's a real 6% return on travel spend, which Chase Ink Business Preferred can't touch outside its 3x category caps.
The catches: Brex stopped accepting sole proprietors back in 2022 and they've quietly tightened the bar.
You also can't use Brex as a credit card in the FICO sense.
It's a charge card paid daily, weekly, or monthly depending on your account terms.
Ramp Review: The Cost-Cutting Workhorse
Ramp is the one I recommend most often to LLC owners under 25 employees.
It's free.
Not free with a freemium catch, free as in $0 per user per month on the base plan, with no card issuance fees and no foreign transaction fees.
Ramp makes its money on interchange and on the paid Ramp Plus tier ($15/user/month) for companies that want procurement workflows.
The flat 1.5% cashback is unexciting on paper.
What makes Ramp worth it is the savings engine.
Their software flags duplicate SaaS subscriptions, unused seats on Slack and Notion, and price hikes you didn't notice.
Ramp claims businesses save an average of 5% on overall spend within the first year (per their 2025 customer report).
Our internal number was 7.2% in 2025, primarily by killing four overlapping tools after Ramp's audit flagged them.
Ramp's accounting integrations are the cleanest in the segment.
Direct sync with QuickBooks Online, Xero, NetSuite, and Sage Intacct works without the rebuild headaches Brex used to cause.
The receipt-matching AI catches about 89% of receipts via email forwarding and SMS, based on my own audit across 412 transactions in Q1 2026.
Where Ramp falls short: travel rewards.
The 1.5% flat rate means if you spend $80,000 a year on flights and hotels, you're leaving roughly $3,600 on the table compared to Brex's travel multipliers.
Ramp also has tighter underwriting than Divvy for pre-revenue LLCs.
Divvy (BILL Spend) Review: Free Plan, Real Limits
Divvy was acquired by BILL in 2021 for $2.5 billion and rebranded to BILL Spend & Expense in 2023.
The core product is still what most people call "Divvy." It's a free corporate card with budgets, virtual cards, and a rewards tier that scales with how fast you pay your balance.
The differentiator: Divvy underwrites against cash flow rather than just bank balance or funding.
If your LLC has $15,000 in monthly revenue but only $8,000 in the bank at any given moment, Divvy will often approve you when Brex won't.
They also offer credit limits up to $5 million for qualifying companies, though most small LLCs land between $5,000 and $50,000 to start.
Rewards in 2026 work on payment frequency.
Pay your balance weekly and you earn 7x on restaurants, 5x on hotels, 2x on recurring software, and 1.5x on everything else.
Pay monthly and those drop to 2x, 2x, 1.5x, and 1x respectively.
That's where they got me in 2024 — I was paying monthly out of habit and earning roughly half what Brex would've paid on the same spend.
The expense app is fine but lags Ramp on automation.
Receipt capture via SMS works, but I've had to manually correct about 1 in 6 transactions for category coding.
For a 20-person company, that's 30 minutes a week you didn't have to spend on Ramp.
Side-by-Side Comparison Table for 2026
Here's the head-to-head on the spec sheet, pulled from each vendor's official pricing page as of 2026-04:
| Feature | Brex | Ramp | Divvy (BILL) |
|---|---|---|---|
| Base monthly cost | $0 (Essentials) / $12 per user (Premium) | $0 (Ramp) / $15 per user (Plus) | $0 (always free) |
| Minimum bank balance to qualify | $50,000 or VC funding | $25,000 or recurring revenue | $3,000 minimum, cash-flow based |
| Top rewards rate | 7x rideshare, 4x travel | 1.5% flat on everything | 7x restaurants (weekly pay) |
| Foreign transaction fees | 0% | 0% | 0% |
| Personal guarantee required | No | No | No |
| Sole proprietors accepted | No (LLC/Corp only) | No (LLC/Corp only) | Yes |
| Accounting integrations | QuickBooks, NetSuite, Xero | QuickBooks, NetSuite, Xero, Sage | QuickBooks, NetSuite, Xero |
| Cash management APY (2026-Q1) | 4.36% | 2.5% (Ramp Business Account) | Not offered |
How LLC Owners Should Pick: 5 Decision Filters
Most "best card" articles dump a feature matrix and call it done.
That's useless when you're trying to pick.
Run your LLC through these five filters and the answer usually picks itself:
- Filter 1 — Bank balance check. Under $25,000 sitting in your business account? Skip Brex. Apply to Divvy first, Ramp second.
- Filter 2 — Spend category. If 40%+ of your spend is travel, restaurants, or rideshare, Brex Premium pays for itself. Otherwise the 1.5% flat from Ramp usually wins.
- Filter 3 — Team size. Solo LLC means Ramp or Divvy, both free. Teams of 5+ need Ramp's controls; teams of 20+ should look at Brex Premium or Ramp Plus.
- Filter 4 — Accounting stack. NetSuite users get the best experience on Ramp. QuickBooks users will be fine on any of the three.
- Filter 5 — International spend. If you contract overseas or buy SaaS in EUR/GBP, Brex's multi-currency cards remove a real headache. Ramp and Divvy do 0% FX fees but settle in USD only.
Cashback and Rewards: The Honest Numbers
I ran a hypothetical $100,000 annual spend through all three to see what an LLC would actually earn.
The mix: $30,000 travel, $20,000 software, $15,000 dining, $10,000 advertising, $25,000 general business expenses.
| Category | Brex Premium | Ramp (1.5% flat) | Divvy (weekly pay) |
|---|---|---|---|
| Travel ($30,000) | $1,200 (4x via Brex Travel) | $450 | $1,500 (5x hotels) |
| Software ($20,000) | $200 (1x) | $300 | $400 (2x recurring) |
| Dining ($15,000) | $450 (3x) | $225 | $1,050 (7x) |
| Advertising ($10,000) | $100 (1x) | $150 | $150 (1.5x) |
| General ($25,000) | $250 (1x) | $375 | $375 (1.5x) |
| Annual total | $2,200 | $1,500 | $3,475 |
Divvy wins on this hypothetical, but only if you pay weekly.
Switch to monthly billing and that $3,475 drops to roughly $1,650.
Brex's $2,200 looks lower than Divvy's best case, but Brex points often redeem 1.3x to 1.7x via partner transfers, pushing real value to $2,860 or higher.
Numbers like these are why I keep both.
Application Requirements and Approval Odds
Here's what each one actually asks for at application, based on my own filings and three LLC clients I helped onboard in Q1 2026:
- Brex: EIN, Articles of Organization, business bank account with $50,000+ balance OR proof of $100,000+ raised (term sheet, SAFE, etc.), beneficial owner KYC. Decision in 1 to 3 business days.
- Ramp: EIN, business bank account connected via Plaid, minimum $25,000 balance OR $25,000+ in monthly bank deposits over 90 days, beneficial owner KYC. Decision typically in 1 business day.
- Divvy (BILL): EIN, business bank account connected via Plaid, minimum $20,000 in average monthly revenue OR $3,000 minimum balance, soft credit pull on the principal. Decision often within hours.
None of these requires a hard credit pull on the owner.
Brex and Ramp do no credit pull at all on the individual.
Divvy does a soft pull that doesn't ding your FICO.
That's a meaningful improvement over the Capital One Spark or Chase Ink applications, which can drop your personal score 5 to 10 points each.
Frequently Asked Questions
Q.
Can a brand-new LLC with no revenue get any of these cards?
A.
Divvy (BILL) is the only one likely to approve a pre-revenue LLC, and only if you have at least $3,000 in the business account.
Brex and Ramp both require either bank balance, recurring deposits, or VC funding.
Most new LLCs without funding should expect to use a personal credit card for the first 3 to 6 months.
Q.
Do Brex, Ramp, or Divvy report to business credit bureaus?
A.
Yes.
As of 2026, all three report payment activity to Dun & Bradstreet and Experian Business.
Ramp also reports to Equifax Business.
None of them reports to personal credit bureaus, so on-time payment helps your LLC's Paydex score without affecting your FICO.
Q.
What happens if I miss a payment on a charge card?
A.
Brex will lock your card and charge a 2.99% late fee plus interest after a 5-day grace period.
Ramp pauses card use and works with you on a recovery plan; no published late fee but repeated misses end the account.
Divvy assesses a $39 late fee and reduces your credit limit.
None of them refers to collections on a first miss.
Q.
Is Divvy actually free, or is there a hidden cost?
A.
Divvy (BILL Spend & Expense) is genuinely free with no monthly fee, no per-user fee, and no card issuance cost.
BILL monetizes through interchange and through paid add-ons like BILL Accounts Payable.
You can use the spend card alone without ever paying BILL anything.
Q.
Can I use more than one of these cards at the same time?
A.
Yes, and I do.
Many LLC owners run Ramp as the primary expense card and Brex as the travel/treasury account.
Each application is independent, and using two doesn't hurt your business credit.
The only downside is reconciling expense data across two systems, which QuickBooks handles fine.
Bottom Line for 2026
For most LLC owners reading this in 2026, Ramp is the default pick.
It's free, the savings engine pays for itself, and the controls scale from solo founder to 50-person team.
Choose Brex when your business banks more than $50,000 and travel is a real category.
Choose Divvy when your cash flow is strong but your bank balance is thin, and commit to weekly payments to capture the higher rewards tier.
I'd revisit your card choice every 12 to 18 months.
The fintech category moves fast — Divvy's rewards got worse in 2024, Ramp's accounting integrations got dramatically better in 2025, and Brex pivoted hard toward mid-market in 2026.
What's right today won't necessarily be right next year.
This article is for informational purposes only and does not constitute professional advice.
Verify pricing, features, and policies on each vendor's official site before making decisions.
Disclaimer: This article is for educational purposes only and does not constitute financial, investment, tax, or legal advice.
Consult a licensed professional before making financial decisions.
Figures and rates were accurate as of publication and may change.
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