Corporate cards
Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of a mid-market B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
67%
Clear leader
67Ramp12BILL Spend & Expense06Brex16others
67% of first choices, clear leader.
Since October 2026▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.Ramp held the lead, +15 points on 52%, past the floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Ramp65%Clear leader▼−3Since October 2026: 68% → 65%, −3 points. Inside the 10-point floor: within noise.Standing →Mid-marketRamp67%Clear leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.This pageEnterpriseRamp52%Clear leader▲+18Since October 2026: 34% → 52%, +18 points. Past the 10-point floor: movement.Standing →
Ramp65%Clear leader▼−3Since October 2026: 68% → 65%, −3 points. Inside the 10-point floor: within noise.Standing →Mid-marketRamp67%Clear leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.This pageEnterpriseRamp52%Clear leader▲+18Since October 2026: 34% → 52%, +18 points. Past the 10-point floor: movement.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Ramp67%6%66endorsed leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.52% → 67%
Ramp67%6%66endorsed leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.52% → 67%02
BILL Spend & Expense12%4%46accepted challenger▼−7Since October 2026: 19% → 12%, −7 points. Inside the 10-point floor: within noise.19% → 12%
BILL Spend & Expense12%4%46accepted challenger▼−7Since October 2026: 19% → 12%, −7 points. Inside the 10-point floor: within noise.19% → 12%03
Brex6%19%57accepted challenger▼−6Since October 2026: 12% → 6%, −6 points. Inside the 10-point floor: within noise.12% → 6%
Brex6%19%57accepted challenger▼−6Since October 2026: 12% → 6%, −6 points. Inside the 10-point floor: within noise.12% → 6%04
Rippling Spend2%0%20accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Rippling Spend2%0%20accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%Show the three products at 0%, ordered by negative rate
06
American Express Corporate Card0%20%30accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
American Express Corporate Card0%20%30accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Chase0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Chase0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%05
Rho0%0%24accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Rho0%0%24accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
All six head-to-head pages: the top four products, each against each
One product takes 67% of first choices here, so the chart would put six markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. Zero products carry a negative rate above 25% in this category.
What they warned about
Seven of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, Qwen 3.7 Flash and GLM 4.7 FlashX changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Brex19%
11 of 57 labels negative · 9 of 14 models · 4 hard negative
“Options to Skip If You Have a Limited Budget - Brex: ... Not ideal for budget-conscious small businesses.” DeepSeek V4 Flash, budget prompt
American Express Corporate Card20%
6 of 30 labels negative · 5 of 14 models · 1 hard negative
“Avoid cards from Chase, Amex, Capital One, BofA, and U.S. Bank if you don't want to risk personal credit.” Mistral Small, negative prompt
Ramp6%
4 of 66 labels negative · 4 of 14 models · 2 hard negative
“The business is NOT BBB Accredited... Risk-based limit changes are a known operational feature” Muse Glimmer 30B, negative prompt
CorTrust Bank Visa Business Card100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“Experts advise avoiding it because it leaves "money on the table"” Qwen 3.7 Flash, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
72 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 799 links across 164 sites, every framing counted. Ranked by the number of answers carrying the site or page. 13 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
33 answers · 34 citations · 10 models
vendor site · BILL30 answers · 36 citations · 12 models
vendor site · Ramp29 answers · 49 citations · 13 models
vendor site · American Express26 answers · 41 citations · 12 models
26 answers · 29 citations · 13 models
vendor site · Brex25 answers · 40 citations · 10 models
21 answers · 27 citations · 9 models
21 answers · 23 citations · 11 models
20 answers · 21 citations · 13 models
vendor site · Rippling16 answers · 16 citations · 9 models
vendor site · Rho14 answers · 20 citations · 5 models
14 answers · 17 citations · 11 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
32 answers · 10 models
23 answers · 12 models
19 answers · 9 models
17 answers · 8 models
17 answers · 12 models
15 answers · 10 models
12 answers · 7 models
12 answers · 8 models
11 answers · 8 models
11 answers · 7 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best corporate card program”, “corporate card program”, “corporate card programs”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Ramp ramp.com Ramp 67%, Ramp's Corporate Card 2% | 69% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 2 |
| BILL bill.com BILL Spend & Expense 12% | 12% | 331 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Brex brex.com | 6% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 1 |
| Brex Corporate Card for Startups | 4% | |||||||
| Rippling rippling.com Rippling Spend 2% | 2% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Airbase airbase.com | 2% | 142 | 14,800 | 577 | 5,429 | |||
| American Express Corporate Card americanexpress.com American Express Blue Business Cash® Card 2%, American Express Corporate Card 0%, American Express Business Platinum 0%, American Express Blue Business Cash 0% | 2% | 68 | 4,400 | 62 | 22,105,127 | $20,307 | 119 | 3 |
| BILL Expense | 2% | |||||||
| Chase chase.com Chase Ink Business Preferred® Credit Card 2%, Chase 0%, Chase Ink 0%, Chase Ink Business Unlimited 0% | 2% | 24 | 6,120,000 | 327,918 | 52,427,131 | $69,752 | 119 | |
| Rho rho.co | 0% | 152 | 74,000 | 7,366 | 182,562 | $416 | 2 |
Google's top ten for the three searches hold 20 sites; 3 of them are among the sites the models cited here (americanexpress.com, brex.com, ramp.com). The first result for “best corporate card program” is brex.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best corporate card program for a mid-market B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a mid-sized B2B company?”Comparative“What are the top corporate card programs and how do they differ?”Budget-constrained“What is the best corporate card program for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should I avoid or be cautious about?”
Claude Haiku 4.5Airbase, Rampagainst: American Express Corporate CardBrex, RampChangedno first choiceno first choiceno first choiceagainst: American Express Corporate Card, Brex
Two alternatives
BILL Spend & Expense, NavanOne alternative
Capital One Spark Cash PlusGPT-5.4 miniRampRampHeldno first choiceRampno first choicenothing named
Four alternatives
BILL Spend & Expense, Brex, Navan, Rippling SpendTwo alternatives
American Express Corporate Cashback® Card with integrated Expense Management, BILL Spend & ExpenseSix alternatives
American Express Corporate Card, Brex, Capital One, Citi Commercial Cards, J.P. Morgan Commercial Cards, RampTwo alternatives
BILL Spend & Expense, Chase Ink Business UnlimitedGemini 3.5 FlashRampBrex, RampChangedagainst: American Express Corporate CardBrex, RampBILL Spend & Expense, Rampno first choiceagainst: Brex, Capital One Spark, Discover, Mercury, Ramp
Four alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, Rippling SpendOne alternative
BILL Spend & ExpenseThree alternatives
American Express Corporate Card, Capital One Corporate / Business Cards, Chase Commercial / Ink Business CardsTwo alternatives
American Express Blue Business Cash, Chase Ink Business Cash® or Ink Business Unlimited®Perplexity SonarRampBILL Spend & ExpenseChangedagainst: American Express Business Gold, BrexRampBILL Spend & Expenseagainst: Brexno first choicenothing named
Five alternatives
Airbase, American Express Corporate Card, BILL Spend & Expense, Brex, RhoTwo alternatives
OFX Corporate Cards, RampSeven alternatives
Airwallex, American Express Corporate Card, BILL Spend & Expense, Brex, OFX Corporate Card, Rho, Rippling SpendThree alternatives
Airwallex, Ramp, RhoGrok 4.20Rampagainst: American Express Corporate CardRamp's Corporate CardChangedRampagainst: Coast Fuel CardRampagainst: Blue Business Plus from American Express, Capital One Spark Classic for BusinessRampagainst: Bank of America, Citi Commercial Cards, Regionsagainst: Brex, Expensify, Navan
Four alternatives
Brex, Emburse, Rho, U.S. Bank Commercial Rewards CardThree alternatives
American Express Business Platinum or Gold, Brex, Capital One Spark Cash Plus or Venture X BusinessFive alternatives
Airwallex, American Express Business cards, BILL Spend & Expense, Rho Card, Rippling SpendFour alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendThree alternatives
American Express Business Platinum, BILL Spend & Expense, BrexMistral SmallBrex, RampRamp, Rippling SpendChangedRampBrex Corporate Card for Startups, Rampno first choiceagainst: American Express Corporate Card, Bank of America, Brex, Capital One, Chase, U.S. Bank
Two alternatives
Emburse Spend Card, U.S. Bank Commercial Rewards CardSix alternatives
American Express Business Platinum, BILL Spend & Expense, Brex, Emburse Spend Card, Rho, Rippling SpendTwo alternatives
BILL Spend & Expense, RhoDeepSeek V4 FlashRampRampHeldno first choiceagainst: American Express Corporate Platinum Card, Capital One Spark, InkBILL Spend & Expenseagainst: Amex Blue Business Cash® / Blue Business Plus®, Brexno first choiceagainst: Brex, Legacy American Express Corporate Cards
Four alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendFour alternatives
American Express Corporate Card, Brex, Emburse Spend, RhoSix alternatives
Airwallex, BILL Spend & Expense, Brex, Ramp, Rho, Rippling SpendTwo alternatives
Chase Ink Business Unlimited, RampLlama 4 MaverickRampRampHeldno first choiceBrex Corporate Card for Startupsno first choicenothing named
Three alternatives
BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards CardTwo alternatives
Coast Fuel Card, Rippling SpendThree alternatives
BILL Spend & Expense, Ramp, RhoQwen 3.7 FlashRampBILL Expense, RampChangedagainst: Chase, Citi Commercial CardsRampagainst: Mastercard Corporate Card / Purchasing Card, VisaRampno first choiceagainst: AirPlus International, CorTrust Bank Visa Business Card, DBS Bank
Two alternatives
American Express Corporate Card, BILL Spend & ExpenseOne alternative
BILL Spend & ExpenseFour alternatives
BILL Spend & Expense, Brex, Emburse Spend, Rippling PayThree alternatives
American Express Blue Business Cash, BILL Spend & Expense, RhoKimi K2Rampagainst: American Express Business PlatinumRampHeldBrex, RampRampno first choiceagainst: Bank of America Corporate Cards, CorTrust Bank Visa Business Card, Corpay, Mastercard® Gold Card
Two alternatives
Brex, Mesh PaymentsThree alternatives
American Express Corporate Card, BILL Spend & Expense, BrexFour alternatives
American Express Corporate Card, BILL Spend & Expense, Rho, Rippling SpendFour alternatives
Amex Blue Business Cash, BILL Spend & Expense, Chase Ink Unlimited, RhoGLM 4.7 FlashXRampChase Ink Business Preferred® Credit CardChangedRampRampno first choiceagainst: Corpay, Fuelman (FleetCor / Corpay) fuel cards, Shift4
Five alternatives
American Express Business Platinum, BILL Spend & Expense, Brex, Rippling Spend, U.S. Bank Commercial Rewards CardOne alternative
Capital One Venture X BusinessEleven alternatives
American Express Corporate Card, Brex, Capital One, Chase, Emburse, ITILITE, Payhawk, Pleo, Rho, Soldo, SpendeskFour alternatives
American Express Blue Business Cash® Card, BILL Spend & Expense, Brex, Rippling SpendMiniMax M2.5RampRampHeldRampAmerican Express Blue Business Cash® Card, BILL Spend & Expenseno first choiceagainst: Brex, Ramp
Four alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards CardThree alternatives
Brex, Payhawk, Rippling SpendTwo alternatives
Brex, Rippling SpendTwo alternatives
Bank of America® Business Advantage Customized Cash Rewards Mastercard®, RampGPT-6 LunaRampRampHeldRampBILL Spend & Expenseno first choiceagainst: American Express Corporate Card, BILL Spend & Expense, Brex, Ramp
Three alternatives
American Express Corporate Card, BILL Spend & Expense, BrexOne alternative
BrexFour alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, J.P. Morgan Commercial CardsOne alternative
RampMuse Glimmer 30BRampRampHeldBrex, Brex Corporate Card for StartupsRampno first choiceagainst: BILL Spend & Expense, Brex, Ramp
Four alternatives
American Express Corporate Platinum Card®, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards CardThree alternatives
American Express Blue Business Cash, Chase Ink, RhoFive alternatives
American Express Business Platinum, American Express Corporate Platinum Card, BILL Spend & Expense, Ramp, Rippling SpendFive alternatives
American Express Blue Business Cash, BILL Spend & Expense, Brex, Rho, The Blue Business® Plus Credit CardBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:42 | yes | 18 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:13 | yes | 3 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:26 | no | 0 | 15 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:43 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:06 | yes | 12 | 31 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:57 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:08 | yes | 22 | 27 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:34 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 13:00 | yes | 5 | 30 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:56 | yes | 15 | 47 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:34 | yes | 12 | 39 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:16 | yes | 5 | 25 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:55 | yes | 5 | 17 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:43 | yes | 14 | 20 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:14 | yes | 10 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:46 | yes | 3 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:44 | no | 0 | 16 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:04 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 15 | 34 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:10 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:23 | yes | 23 | 26 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:30 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:10 | no | 0 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:23 | yes | 14 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:58 | yes | 20 | 20 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:51 | yes | 5 | 68 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:04 | yes | 3 | 18 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:09 | yes | 20 | 26 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:34 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:52 | yes | 6 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:23 | no | 0 | 15 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:32 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 5 | 34 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:57 | yes | 8 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:12 | yes | 24 | 38 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:00 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:26 | yes | 5 | 34 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:58 | yes | 24 | 49 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:52 | yes | 23 | 58 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:36 | yes | 5 | 31 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:20 | yes | 8 | 17 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:22 | yes | 14 | 26 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:53 | no | 0 | 5 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:50 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:18 | yes | 6 | 18 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:10 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 10 | 29 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:56 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:47 | yes | 23 | 22 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:38 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:22 | yes | 5 | 25 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:42 | yes | 9 | 29 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:04 | yes | 14 | 60 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:04 | yes | 5 | 33 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:20 | yes | 3 | 10 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:49 | yes | 11 | 17 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:58 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:38 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:01 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:39 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 10 | 41 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:51 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:42 | yes | 17 | 30 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:16 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:47 | no | 0 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:40 | yes | 13 | 21 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:52 | yes | 15 | 41 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:24 | no | 0 | 21 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:27 | yes | 2 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:10 | yes | 13 | 19 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:38 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:21 | no | 0 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:59 | yes | 9 | 20 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:44 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 23 | 36 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:49 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:57 | yes | 23 | 39 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:43 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:31 | yes | 13 | 32 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:34 | yes | 24 | 39 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:42 | yes | 21 | 54 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | yes | 15 | 73 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:54 | yes | 5 | 15 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:36 | yes | 23 | 32 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
American Express read as American Express Corporate Card
American Express Corporate read as American Express Corporate Card
Amex read as American Express Corporate Card
BILL read as BILL Spend & Expense
BILL (formerly Bill.com) read as BILL Spend & Expense
BILL Divvy Card read as BILL Spend & Expense
Bill read as BILL Spend & Expense
Citi read as Citi Commercial Cards
Divvy read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
J.P. Morgan read as J.P. Morgan Commercial Cards
JPMorgan read as J.P. Morgan Commercial Cards
Mastercard read as Mastercard Corporate Card / Purchasing Card
Rippling read as Rippling Spend
Rippling Spend Credit Card read as Rippling Spend
U.S. Bank Commercial Rewards read as U.S. Bank Commercial Rewards Card
Unresolved, counted raw
AirPlus International
American Express Blue Business Cash® Card
American Express Blue Business® Plus Credit Card
American Express Business Platinum or Gold
American Express Corporate Cashback® Card with integrated Expense Management
American Express Corporate Platinum Card®
Amex Blue Business Cash
Amex Blue Business Cash® / Blue Business Plus®
BILL Expense
Bank of America® Business Advantage Customized Cash Rewards Mastercard®
Blue Business Plus from American Express
Capital One Corporate / Business Cards
Capital One Spark 1.5% Cash Select
Capital One Spark Cash Plus or Venture X Business
Capital One Spark Classic for Business
Chase Business Cards
Chase Commercial / Ink Business Cards
Chase Ink Business Cash® or Ink Business Unlimited®
Chase Ink Business Preferred® Credit Card
Chase Ink Unlimited
Chase Sapphire Reserve Business
DBS Bank (Corporate Cards)
Fuelman (FleetCor / Corpay) fuel cards
Ink
Ink Business Cash
J.P. Morgan One Card
Legacy American Express Corporate Cards
Ramp's Corporate Card
Rippling Pay
Slash Visa® Platinum Card
Square Corporate Card
The Blue Business® Plus Credit Card
Discontinued, still offered
No shut-down product was recommended here.