VS
Divvy vs Ramp — Which One Wins?
A detailed, side-by-side comparison of Divvy and Ramp to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Ramp takes the lead with a 4.8 rating and is best for startups and mid-market companies wanting modern spend management. Divvy (4.4) is the better pick if you need teams wanting free corporate cards with budget controls.
Side-by-Side Comparison
| Criteria | Divvy | Ramp |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★★ 4.8(245) |
| Pricing Model | freemium | freemium |
| Starter Price | Free | Free |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Easy | Easy |
| API Available | Yes | Yes |
| Best For | Teams wanting free corporate cards with budget controls | Startups and mid-market companies wanting modern spend management |
| Verdict | Best Free Corporate Cards | Best Corporate Card |
Feature Checklist
| Feature | Divvy | Ramp |
|---|---|---|
| Corporate Cards | ||
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Expense Management | — | |
| Bill Pay | — | |
| Accounting Automation | — | |
| Savings Insights | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Ramp
Pros
- ✓Free core product
- ✓AI spending insights genuinely save money
- ✓Excellent UX
Cons
- ✕Requires business credit check
- ✕Some features need paid tier
- ✕US-only
The Bottom Line
Both Divvy and Ramp are solid tools in the Accounting & Finance space. Ramp edges ahead with a stronger overall rating (4.8 vs 4.4) and is the better choice for startups and mid-market companies wanting modern spend management. However, if you prioritize teams wanting free corporate cards with budget controls, Divvy is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Ramp?▼
Ramp scores higher overall with a 4.8 rating vs 4.4. However, the best choice depends on your specific needs. Divvy is best for Teams wanting free corporate cards with budget controls, while Ramp is best for Startups and mid-market companies wanting modern spend management.
Can I switch from Divvy to Ramp?▼
Yes, most users can migrate between the two. Ramp offers a free tier to test before committing.
Which is more affordable, Divvy or Ramp?▼
Divvy starts at Free, while Ramp starts at Free. Divvy offers a free tier. Ramp offers a free tier.