We used Oden to analyze Sweep, Brex, Ramp, and Divvy so you don't have to piece together vendor claims, review sites, and Reddit threads yourself. If you’re trying to standardize corporate cards, control spend, and get better visibility without drowning in admin work, the differences between these platforms really matter. Below, we pull in data from vendor sites, G2, NerdWallet, and Reddit to compare ratings, pricing, features, and real-world tradeoffs. This should help you narrow down which combination of tools actually fits your finance stack over the last six months and company stage.

Which spend management platform has the best rating?

On pure review scores, all four platforms are strong, but sample size and category fit differ a lot—especially for Sweep, which isn’t a card/expense platform but an AI workspace that often sits alongside your spend stack.

Takeaways

• Ramp and Brex are essentially tied on rating with very large review volumes, so their scores are statistically more robust than Sweep’s smaller but very positive G2 footprint. Source: G2 – Ramp Financial, G2 – Brex
• Divvy’s 4.5/5 across nearly 2,000 reviews is still solid but indicates more friction, especially around support and integration issues, compared to Ramp and Brex. Source: G2 – BILL Spend & Expense
• Sweep’s 4.9/5 reflects very happy Salesforce and RevOps teams, but with only 33 reviews it’s less statistically reliable—treat it as directional sentiment, not a hard benchmark. Source: G2 – Sweep
• Sweep is not a corporate card or AP system at all; it’s more comparable to a Salesforce agentic/ops layer that complements, rather than replaces, Brex/Ramp/Divvy in a finance stack. Source: Sweep – Agentic workspace

How much do spend management platforms really cost?

All four platforms use “free” in their messaging, but the way you actually pay (or don’t) is very different.

Cost patterns

• Brex and Ramp are the most transparent: both have genuinely free entry tiers plus clearly priced per‑user plans (Brex Premium at $12/user/month; Ramp Plus at $15/user/month plus a platform fee). Source: Brex pricing page, Ramp pricing
• Divvy’s Spend & Expense is marketed as “free software combined with flexible credit,” but in practice your cost is the credit line terms and any additional BILL subscriptions you buy (e.g., AP/AR). Source: BILL Spend & Expense product page, G2 – BILL Spend & Expense
• Sweep is a Salesforce/HubSpot ops platform with sales-led pricing; treat it like a RevOps or system‑of‑record license line item, not a per‑card fee. Expect mid–upper‑five‑figure annual contracts at scale based on public ROI claims and community chatter. Source: Sweep – Agentic workspace, Reddit – Has anyone used Sweep?
• For most finance teams, Pe cards + free or low‑cost tiers on Ramp/Brex/Divvy will drive the bulk of your spend‑management ROI; Sweep is a complementary investment if Salesforce is central to your GTM and operational governance.

Pricing for all four platforms varies by region, usage patterns, underwriting, and contract terms. Always double-check current prices with each vendor's calculator or sales team.

What are the key features of each platform?

Sweep

Core positioning: Agentic workspace for Salesforce/HubSpot that unifies process mapping, documentation, routing, and alerts over your existing GTM systems. Source: Sweep – Agentic workspace

Key Features:

• AI-generated, real‑time documentation of Salesforce metadata (objects, fields, flows, Apex), keeping technical context and dependencies up to date. Source: Sweep – Agentic workspace, Sweep – Process mining & mapping
• Visual process mapping across multiple objects (e.g., Leads, Opportunities, Cases) in one canvas for faster discovery and troubleshooting. Source: Sweep – Process mapping, G2 – Sweep
• Built‑in lead routing, deduplication, and automatic lead conversion to standardize GTM handoffs and data hygiene. Source: Sweep – Operations, G2 – Sweep
• Salesforce alerts in Slack/Teams for pipeline changes, SLA breaches, and custom rules, configured without code. Source: Sweep – Salesforce alerts in Slack & Teams
• Agentic “metadata agents” and Claude integration to answer questions about your org and accelerate troubleshooting and SOP creation. Source: Sweep – Homepage, G2 – Sweep

Best For:

• RevOps and Salesforce admin teams that need a visual, AI‑powered control layer over a complex org.
• Companies where Salesforce is the system of record for revenue and operational processes.
• Teams replacing consultants and fragmented documentation/process‑mapping tools with one agentic workspace. Source: G2 – Sweep

Brex

Core positioning: Unified global spend platform (cards, expense, travel, bill pay, and business accounts) aimed at scaling and international companies. Source: G2 – Brex

Key Features:

• Corporate charge cards with no personal guarantee, dynamic limits based on business financials, and up to 10–20x typical small‑business credit limits. Source: Brex – No personal guarantee guide, NerdWallet – Brex Card review
• Global support: cards and payments in 60+ currencies and acceptance in 200+ countries, plus local‑currency cards in 50+ countries. Source: Brex – Corporate card page, Brex vs Ramp comparison
• Integrated expense management with automated receipt capture, categorization, and policy enforcement, including AI‑driven review and NetSuite/Xero/QuickBooks integrations. Source: Brex – Product description on G2, Brex – Corporate card management article
• Native travel booking and management with 24/7 agent support, integrated with expense rules and rewards. Source: G2 – Brex, Brex – Corporate card page
• Rich rewards on travel, rideshare, restaurants, and software (e.g., up to 7x on rideshare, 4x on Brex Travel flights/hotels) with airline transfer partners. Source: NerdWallet – Brex Card review, Brex – Rewards guide

Best For:

• Venture‑backed or mid‑market companies with substantial cash balances (e.g., $50k+ in the bank) and global operations. Source: NerdWallet – Brex Card review
• Finance teams wanting one platform for cards, expense, travel, and AP with strong NetSuite or global needs. Source: G2 – Brex
• Organizations that value rewards and multi‑currency capabilities as much as basic cost savings.

Ramp

Core positioning: Spend management and finance automation platform built to “help companies spend less, not more” via corporate card, expense, AP, procurement, and accounting automation. Source: Ramp – Spend management overview, G2 – Ramp Financial

Key Features:

• Free corporate charge card with no annual fee, no FX fees, and unlimited virtual/physical cards plus built‑in spend controls. Source: Ramp pricing overview, Ramp corporate cards support article
• Integrated expense management with automatic receipt collection (including via SMS), categorization, and real‑time visibility across cards, vendors, and departments. Source: Ramp – Spend management, G2 – Ramp Financial
• Accounts payable automation (OCR invoice extraction, approvals, ACH/card/check/wire) included in the free tier, with more advanced workflows in Plus. Source: Ramp pricing, Ramp – Spend management
• AI‑assisted savings insights that identify duplicate subscriptions, overpriced vendors, and opportunities to cut spend, plus partner discounts. Source: Ramp – Spend management, Benzinga – Ramp review
• Plus/Enterprise features like multi‑entity support, multi‑currency, advanced approvals, and procurement workflow builder. Source: Ramp pricing, Ramp pricing overview

Best For:

• US‑based corporations and LLCs (not sole props) that want “free first, upgrade later” spend management with strong automation. Source: NerdWallet – Ramp Card review
• Finance teams that care more about saving time and money than maximizing card rewards complexity.
• Companies wanting AP and procurement tightly integrated with card spend on one platform. Source: Ramp – Spend management

Divvy (BILL Spend & Expense)

Core positioning: “Card first, software second” spend and expense management for SMBs, combining the BILL Divvy corporate card with AI‑enhanced budgeting and expense tools. Source: BILL Spend & Expense product page

Key Features:

• Corporate card (BILL Divvy Card) with real‑time budgets tied to each card and support for both physical and virtual cards. Source: BILL Spend & Expense product page, BILL Divvy card overview – NerdWallet
• Budget‑centric controls: admins set budgets for teams/projects and transactions over the budget limit are automatically declined. Source: BILL Spend & Expense product page, G2 – BILL Spend & Expense
• AI‑powered auto‑categorization and receipt matching, plus mobile app for real‑time expense submission and approvals. Source: BILL Spend & Expense product page, BILL Spend & Expense app page
• Rewards program with elevated multipliers (up to 7x on restaurants, 5x on hotels with weekly billing), albeit with complex conditions and caps. Source: NerdWallet – BILL Divvy Corporate Card review
• Integrations with major accounting systems like QuickBooks, Xero, and Sage Intacct for faster reconciliation. Source: G2 – BILL Spend & Expense

Best For:

• SMBs and nonprofits that want granular budget controls and like the “budgets first, expense reports never” model. Source: BILL Spend & Expense product page, G2 – BILL Spend & Expense
• Teams that value real‑time visibility and rewards but don’t need the full AP/procurement suite of Ramp or Brex.
• Organizations already using BILL AP/AR and wanting tighter integration across payables and card spend. Source: BILL blog – Introducing BILL Spend & Expense

What are the strengths and weaknesses of each platform?

Sweep

Strengths:

• Very high satisfaction: 4.9/5 from 33 G2 reviews, with users repeatedly calling Sweep a “must have” for Salesforce teams and praising its ease of implementation. Source: G2 – Sweep
• Material time savings—one reviewer reports ~70% reduction in time to build and update processes thanks to visual logic and AI documentation. Source: G2 – Sweep
• Strong customer support and partnership; multiple reviewers say the Sweep team feels like an “extension” of their own and is highly responsive. Source: G2 – Sweep
• Helps teams cancel external consultants and bring Salesforce workflow management in‑house, enabling better control over data and automation. Source: G2 – Sweep

Weaknesses:

• Limited direct control over some Salesforce entities (e.g., you can’t create records or change Opportunity Stage names directly from Sweep), so admins still need Salesforce skills for edge cases. Source: G2 – Sweep
• A few users mention minor bugs, albeit with fast fixes, reflecting a fast‑moving product still maturing. Source: G2 – Sweep
• Reddit feedback notes that Sweep can be “very expensive,” with at least one commenter citing a ~$30k price point for a full auto‑documentation and chatbot package—fine for serious RevOps teams, but overkill for small orgs. Source: Reddit – Has anyone used Sweep?
• Not a spend platform in the traditional sense—no cards, reimbursements, or AP—so it must be paired with Brex/Ramp/Divvy or similar to manage actual dollars.

Brex

Strengths:

• High satisfaction (4.8/5, ~1,475 reviews) with especially strong scores for ease of use, expense management, and mobile app. Source: G2 – Brex
• No personal guarantee, no personal credit check, and dynamic limits based on business financials, making it attractive to well‑funded startups and growth companies. Source: NerdWallet – Brex Card review, Brex – No personal guarantee guide
• Strong global capabilities with cards/payments in 60+ currencies and wide international acceptance, which users and Brex themselves emphasize as a differentiator vs. Ramp. Source: Brex – Versus Ramp, Brex – Card for startups
• Users on G2 praise seamless expense workflows, generous rewards, and deep NetSuite/QuickBooks integrations that reduce month‑end effort. Source: G2 – Brex

Weaknesses:

• Qualification is stricter: NerdWallet notes a minimum $50k bank balance for monthly terms (and $1M for self‑funded businesses), making Brex inaccessible to many small or early‑stage companies. Source: NerdWallet – Brex Card review
• G2 reviewers mention that Brex’s focus on high‑growth or VC‑backed companies can effectively exclude smaller or less‑funded businesses. Source: G2 – Brex
• Some reviewers and Reddit chatter point to limited or less personalized support and a reporting experience that could be more customizable for complex orgs. Source: G2 – Brex
• Rewards are powerful but relatively complex, with different multipliers and conditions—potential friction for teams that just want straightforward cash back. Source: NerdWallet – Brex Card review

Ramp

Strengths:

• Also top‑rated at 4.8/5 with over 2,200 reviews, and widely praised for UI/UX, ease of setup, and automation across cards, reimbursements, and AP. Source: G2 – Ramp Financial
• Free core platform with unlimited cards and users, making it cost‑effective even for smaller businesses, with optional Plus/Enterprise plans for advanced features. Source: Ramp pricing, Ramp pricing overview
• G2 and third‑party reviewers consistently highlight time savings from automatic receipt matching, coding, and integrated AP, plus strong accounting integrations. Source: G2 – Ramp Financial, Benzinga – Ramp review
• Reddit and G2 feedback often call out Ramp’s modern interface and holistic visibility across card, invoices, and reimbursements compared to legacy setups like Amex + manual expense tools. Source: G2 – Ramp Financial, Reddit – Need no BS opinions on expense platforms

Weaknesses:

• Several Reddit threads complain about slow payment clearing (up to five business days) and temporary loss of available credit during high‑spend periods, which can be painful for cash‑constrained or fast‑spending teams. Source: Reddit – Ramp 5-day payment processing
• Some users report occasional fraud issues on virtual cards and note disputes can require canceling the entire card, which is frustrating if it’s used for key subscriptions. Source: Reddit – Ramp fraud charges, Reddit – Ramp corporate card thoughts
• G2 reviewers say reporting is weaker than it could be given the depth of data, requiring extra work to build custom analysis. Source: G2 – Ramp reviews
• Not available to sole proprietors or unregistered businesses; Ramp targets corporations, LLCs, and similar entities with at least $25k in the bank. Source: NerdWallet – Ramp Card review, Ramp corporate card support article

Divvy (BILL Spend & Expense)

Strengths:

• Strong 4.5/5 G2 rating with 1,900+ reviews; users highlight visibility, budget controls, and the ability to give more staff cards without losing control. Source: G2 – BILL Spend & Expense
• Many reviews report significant time savings vs. legacy tools like Concur or manual spreadsheets, especially due to real‑time receipt capture and QuickBooks sync. Source: G2 – BILL Spend & Expense
• Card and software are marketed as free, making it an attractive entry point for SMBs and nonprofits that want budget controls and spend visibility without extra license cost. Source: BILL Spend & Expense product page, BILL blog – Introducing BILL Spend & Expense
• Rewards program can be quite lucrative (up to 7x on restaurants and 5x on hotels with weekly billing) for companies that can work within its structure. Source: NerdWallet – BILL Divvy Corporate Card review

Weaknesses:

• G2 pros/cons and external reviews highlight recurring complaints about customer support responsiveness and siloed support between BILL AP and Divvy modules. Source: G2 – BILL Spend & Expense, SoftwareWorld – BILL Spend & Expense review
• Users mention sync quirks with accounting systems (e.g., some transactions failing to sync or being duplicated when split), requiring manual cleanup. Source: G2 – BILL Spend & Expense
• At least one recent Reddit thread describes an account lockout issue and difficulty escalating through BILL support, prompting a suggestion to “move to Ramp.” Source: Reddit – Bill.com Spend & Expense issue
• Rewards structure is complex, with billing‑cycle‑dependent multipliers, caps, and conditions (e.g., needing to spend a certain percentage of your credit line, delayed point redemption), which NerdWallet flags as a downside. Source: NerdWallet – BILL Divvy Corporate Card review

How do these platforms position themselves?

Sweep markets itself as “the agentic workspace for Salesforce” and emphasizes clarity, automation, and alignment across GTM systems rather than financial transactions. Messaging highlights real‑time documentation, process mapping, lead routing, and Slack/Teams alerts that keep admins and business teams in sync, with taglines like “Move from chaos to clarity” and “Don’t just manage systems. Command them.” Source: Sweep – Homepage, Sweep – Agentic workspace, Sweep – Operations

Brex positions itself as a unified, intelligent finance platform for “modern, global teams,” where corporate cards, expense management, travel, bill pay, and business accounts live in one system. They lean hard into global reach (200+ countries, 60+ currencies), no personal guarantee, and AI‑driven compliance and automation, and directly compare themselves against Ramp and Divvy in “versus” pages. Source: Brex – Corporate card page, Brex vs Divvy, Brex vs Ramp

Ramp frames itself as “smarter spend management software for total control” and “an all‑in‑one finance automation platform.” Marketing focuses on saving both time and money with automation across cards, reimbursements, bills, procurement, and accounting, with an explicit emphasis on savings insights rather than flashy rewards. The free tier is front‑and‑center, and the Plus plan is pitched as a way to “automate away busywork.” Source: Ramp – Spend management, Ramp – Corporate card, Ramp pricing

Divvy (BILL Spend & Expense) uses the “Card first. Software second. Expense reports, never.” mantra to position itself as a budget‑driven spend platform for SMBs. Messaging emphasizes free AI‑enhanced software, proactive budget controls, real‑time visibility, and tight integration with the broader BILL AP/AR platform, targeting businesses that want to control card spend without traditional expense reports. Source: BILL Spend & Expense product page, BILL blog – Introducing BILL Spend & Expense

Which platform should you choose?

Choose Sweep if:

1. Salesforce (or HubSpot) is your operational backbone and you need a visual, AI‑assisted way to understand, document, and change complex GTM processes without constantly writing Flows or Apex. Source: Sweep – Agentic workspace, G2 – Sweep
2. You’re already using or planning to use Ramp/Brex/Divvy for spend, but lack governance on the CRM side—e.g., lead routing, territory logic, and pipeline alerts are fragile or undocumented.
3. You want to replace or reduce consultants and instead give internal RevOps a tool that can cut discovery and build time by ~70% and centralize documentation. Source: G2 – Sweep
4. Your budget supports a specialist RevOps platform (likely in the mid–high five‑figure annual range) and the value of a robust agentic layer over Salesforce is clear to leadership. Source: Sweep – Operations, Reddit – Has anyone used Sweep?
5. You’re a partner/SI or RevOps‑heavy startup that wants to standardize Salesforce work across multiple clients or scaling GTM teams. Source: Sweep – Partner program

Choose Brex if:

1. You’re a well‑funded or mid‑market company with substantial cash balances (e.g., $50k+ in the bank) and want a no‑PG corporate card plus unified global spend platform. Source: NerdWallet – Brex Card review
2. You have real international complexity—entities and employees in multiple countries, multi‑currency card needs, and cross‑border travel—where Brex’s 60+ currencies and global issuance justify the choice. Source: Brex vs Ramp, Brex – Corporate card page
3. Rewards and travel matter materially and you can capture value from high multipliers on flights, hotels, rideshare, and software plus airline transfer partners. Source: NerdWallet – Brex Card review, Brex – Rewards guide
4. You want an all‑in‑one platform but are okay paying per user (e.g., $12/user/month for Premium) in exchange for multi‑entity, deep ERP integrations, and more advanced controls. Source: Brex pricing page, G2 – Brex
5. You’re comfortable with somewhat stricter underwriting and possible exclusion of very small or bootstrapped businesses in exchange for higher limits and no PG. Source: NerdWallet – Brex Card review

Choose Ramp if:

1. You want a strong default for US‑based corporations with minimal software cost, starting with a genuinely free tier that includes cards, expense, AP, and basic travel. Source: Ramp pricing, Ramp pricing overview
2. Time savings and process automation are your top priorities, and you value automatic receipt capture, coding, and AP routing more than reward complexity. Source: Ramp – Spend management, G2 – Ramp Financial
3. You want integrated cards + AP + procurement with the option to grow into Plus/Enterprise features like advanced approvals, multi‑entity, and global reimbursing. Source: Ramp pricing
4. Your accounting team lives in QuickBooks, Xero, or NetSuite and will benefit from real‑time sync, plus built‑in savings insights that flag duplicate or overpriced vendors. Source: Ramp – Spend management, Benzinga – Ramp review
5. You don’t need support for sole props or very early‑stage businesses and can live with some tradeoffs (e.g., slower payment clearing, less advanced reporting) given the overall value. Source: NerdWallet – Ramp Card review, Reddit – Ramp 5-day payment processing, G2 – Ramp reviews

Choose Divvy (BILL Spend & Expense) if:

1. You’re an SMB or nonprofit that wants budget‑centric controls and lots of employee cards without paying per‑user software fees. Source: BILL Spend & Expense product page, G2 – BILL Spend & Expense
2. Your team responds well to proactive budgets instead of retroactive expense reports, and you want to enforce “spend within your budget” at swipe time. Source: BILL Spend & Expense product page, G2 – BILL Spend & Expense
3. You already use or plan to use BILL AP/AR, and you want card spend plus payables on the same vendor to simplify vendor management and integrations. Source: BILL blog – Introducing BILL Spend & Expense
4. You’re willing to trade some support and integration rough edges (e.g., occasional sync issues, slower support escalation) for a free platform with strong budgets and virtual cards. Source: G2 – BILL Spend & Expense, Reddit – Bill.com Spend & Expense issue, SoftwareWorld – BILL Spend & Expense review
5. You can take advantage of the rewards structure (e.g., high restaurant/hotel multipliers with frequent billing) and are okay with its complexity and caps. Source: NerdWallet – BILL Divvy Corporate Card review

Sources & links

Company Websites

• Sweep – Homepage
• Ramp – Spend management
• BILL Spend & Expense – Product page

Pricing Pages

• Brex pricing page
• Ramp pricing
• Ramp pricing overview – Support article
• Ramp Plus billing policy
• G2 – BILL Spend & Expense pricing section

Documentation

• Sweep – Agentic workspace for Salesforce
• Sweep – Process mining & mapping
• Ramp – Corporate cards support article
• Brex – Corporate credit card management guide
• BILL Spend & Expense app – App Store

G2 Review Pages

• G2 – Sweep
• G2 – Brex
• G2 – Ramp Financial
• G2 – BILL Spend & Expense (Formerly Divvy)

Reddit Discussions

• Has anyone used Sweep? (r/salesforce)
• Ramp’s 5‑day payment processing complaint (r/Ramp)
• Ramp fraud charges discussion (r/Ramp)
• Ramp corporate card thoughts (r/Ramp)
• Bill.com Spend & Expense access issue (r/smallbusiness)
• Need no BS opinions on expense platforms (r/CFO)

Additional Resources

• NerdWallet – Brex Card review
• NerdWallet – Ramp Card review
• NerdWallet – BILL Divvy Corporate Card review
• Benzinga – Ramp review
• Brex vs Divvy comparison – Brex
• Brex vs Ramp comparison – Brex
• BILL blog – Introducing BILL Spend & Expense