September 2026 Edition, published · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Finance › Spend and procurement › Corporate cards › Enterprise · September 2026 Edition

Corporate cards for enterprise buyers

Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of an enterprise B2B company. 41 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
51%
Clear leader
51Ramp15Brex10J.P. Morgan Commercial Cards24others

51% of first choices, clear leader.

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.

The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Ramp51%7%58endorsed leader
02Brex15%13%54accepted challenger
03J.P. Morgan Commercial Cards10%5%19accepted challenger
04American Express Corporate Card7%27%33criticized challenger
05BILL Spend & Expense5%6%32accepted challenger
06Airwallex2%0%21accepted challenger
07Rippling Spend2%5%22accepted challenger
08Citi Commercial Cards2%6%17accepted challenger
09Rho2%20%10accepted challenger
Show the one product at 0%, ordered by negative rate
10Navan0%12%16accepted challenger
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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.
All fifteen head-to-head pages: the top six products, each against each

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01Ramp51%
02Brex15%
03J.P. Morgan Commercial Cards10%
04American Express Corporate Card7%
05BILL Spend & Expense5%
06Airwallex2%
07Rippling Spend2%
08Citi Commercial Cards2%
09Rho2%
10Navan0%

What they warned about

Two of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, GLM 4.7 FlashX and MiniMax M2.5 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.
Brex
13%
7 of 54 labels negative · 6 of 12 models · 2 hard negative
“Fintech Cards Geared Toward Startups/SMBs (e.g., Brex)...When to avoid: If you're beyond startup phase with thousands of employees/cards” Grok 4.20, negative prompt
American Express Corporate Card
27%
9 of 33 labels negative · 5 of 12 models · 1 hard negative
“should scrutinize Amex specifically for high fees, rigid terms, and poor service” DeepSeek V4 Flash, negative prompt
Ramp
7%
4 of 58 labels negative · 3 of 12 models
“Ramp and Brex underwrite off connected bank balances: $25,000 and $50,000 respectively, and dropping below either threshold can trigger an immediate spending lockout.” Claude Haiku 4.5, negative prompt
SAP Concur
38%
3 of 8 labels negative · 3 of 12 models
“The Drawback: It largely relies on a "post-spend" model... policy violations are audited retrospectively rather than stopped at the point of sale.” Gemini 3.5 Flash, paraphrase prompt

What they cite

Twelve of the twelve models returned a source list in this edition: four return the pages they cited and eight the search results they consulted.

Sites the answers cite

65 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 1127 links across 256 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Rippling49 answers · 77 citations · 11 models
vendor site · Airwallex39 answers · 57 citations · 10 models
vendor site · Navan34 answers · 55 citations · 11 models
33 answers · 43 citations · 10 models
vendor site · Ramp29 answers · 55 citations · 10 models
29 answers · 38 citations · 10 models
vendor site · Brex27 answers · 50 citations · 8 models
vendor site · BILL27 answers · 32 citations · 11 models
vendor site · Corpay25 answers · 37 citations · 10 models
22 answers · 22 citations · 8 models
vendor site · American Express17 answers · 42 citations · 8 models
15 answers · 15 citations · 9 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.

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 productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Ramp ramp.com51%916246,00049,733770,056$13,5111202
Brex brex.com15%52460,5001,190328,914$12,238811
J.P. Morgan jpmorgan.com
J.P. Morgan Commercial Cards 10%
10%18301,00012,2195,773,129 company$27,4141207
American Express americanexpress.com
American Express Corporate Card 7%
7%683,350,00023,18522,105,127 company$20,3071193
BILL bill.com
BILL Spend & Expense 5%
5%3312,740,0001,063,0011,783,039 company$199,231119
Airwallex airwallex.com2%26027,100416420,414$56,832452
Rippling rippling.com
Rippling Spend 2%
2%124301,00017,886712,399 company$42,013115
Citi citigroup.com
Citi Commercial Cards 2%
2%13823,0003,567,783
Rho rho.co2%15274,0007,366182,562$4162
Capital One Business Cards capitalone.com2%22,535,395$64,35399

Google's top ten for the three searches hold 20 sites; 5 of them are among the sites the models cited here (airwallex.com, americanexpress.com, brex.com, corpay.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
ModelDirect“What is the best corporate card program for an enterprise B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade corporate card programs and how do they differ?”Budget-constrained“What is the best corporate card program for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5no first choice
Four alternativesAirwallex, American Express Corporate Card, Brex, Ramp
Brex, RampChanged
Two alternativesAirwallex, BILL Spend & Expense
no first choiceRamp
Three alternativesAirwallex, BILL Spend & Expense, U.S. Bank Commercial Rewards Card
no first choiceagainst: American Express Corporate Card, BILL Spend & Expense, Brex, Ramp
GPT-5.4 miniAmerican Express Corporate Card, J.P. Morgan Commercial CardsJ.P. Morgan Commercial CardsChanged
One alternativeAmerican Express Corporate Card
no first choice
Five alternativesAirbase, American Express Corporate Card, Brex, J.P. Morgan Commercial Cards, Ramp
Ramp
One alternativeAirbase
no first choiceagainst: Brex
Gemini 3.5 FlashRamp
Three alternativesAirbase, Brex, Navan
against: American Express Corporate Card
BrexChanged
Three alternativesNavan, Ramp, Rippling Spend
against: American Express Corporate Card, SAP Concur
Brex, Ramp
Four alternativesAirbase, American Express Corporate Card, Navan, Rippling Spend
BILL Spend & Expense
Four alternativesBrex, Capital One, J.P. Morgan Commercial Cards, Ramp
Ramp
Three alternativesAirbase, Brex, Navan
against: American Express Corporate Card, J.P. Morgan Commercial Cards
against: Mercury, Rho
Perplexity SonarRamp
Four alternativesBrex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Rippling Spend
Rippling SpendChanged
Two alternativesBrex, Ramp
no first choiceRamp
Five alternativesAirwallex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Rippling Spend, U.S. Bank purchasing-card programs
no first choicenothing named
Grok 4.20American Express Corporate Card, J.P. Morgan Commercial Cards
Three alternativesBILL Spend & Expense, Brex, Ramp
RampChanged
Two alternativesBrex, Rippling Spend
against: American Express Corporate Card, BILL Spend & Expense, Citi Commercial Cards
no first choice
Five alternativesAmerican Express Corporate Card, Brex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Ramp
against: Airbase, Navan, Paylocity, Rho, Rippling Spend
BILL Spend & Expense
Five alternativesAirwallex, Amex Corporate Platinum, Citi Commercial Cards, J.P. Morgan Commercial Cards, Rho
against: Brex, Ramp
Brex, Ramp
One alternativeAirbase
against: American Express Corporate Card, Bank of America, Brex, HDFC/ICICI/Axis
Mistral SmallBrex, Ramp
One alternativeAirwallex
RampChanged
Two alternativesBILL Spend & Expense, Rippling Spend
Brex
Six alternativesAirwallex, American Express Corporate Card, BILL Spend & Expense, Ramp, Rho, Rippling Spend
Airwallex, Ramp
Three alternativesBILL Spend & Expense, Brex, Rho
no first choicenothing named
DeepSeek V4 FlashJ.P. Morgan Commercial Cards
Five alternativesAmerican Express Corporate Card, Brex, Citi Commercial Cards, Corpay, Ramp
RampChanged
Three alternativesAmerican Express Corporate Card, Brex, Citi Commercial Cards
no first choice
Seven alternativesAmerican Express Global Commercial Pay, Brex, Citi Commercial Cards, J.P. Morgan Commercial Cards, Navan, Ramp, Rippling Spend
Ramp
One alternativeBrex
against: American Express Corporate Card
no first choiceagainst: American Express Corporate Card, Brex, Chase, Commonwealth Bank
Llama 4 Maverickno first choiceno first choiceHeldno first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashAmerican Express Corporate Card, Ramp
Four alternativesBILL Spend & Expense, Brex, Chase, Citi Commercial Cards
RampChanged
Three alternativesBrex, J.P. Morgan Commercial Cards, Rippling Spend
Ramp
Three alternativesBILL Spend & Expense, Brex, Navan
against: American Express Corporate Card, SAP Concur
Citi Commercial Cards
Three alternativesAmerican Express Corporate Card, BILL Spend & Expense, Stripe Issuing
no first choicenothing named
Kimi K2Ramp
Four alternativesAmex Corporate Platinum, Brex, Navan, SAP Concur
RampHeld
Three alternativesAmerican Express Corporate Card, Brex, Navan
no first choice
Seven alternativesAmerican Express Corporate Card, Brex, Navan, Ramp, Rippling Spend, SAP Concur, Stripe Corporate Card
Capital One Business Cards
Two alternativesAmerican Express Corporate Card, Ramp
against: Brex, Navan
no first choicenothing named
GLM 4.7 FlashXRamp
Five alternativesAirwallex, Amex Corporate Platinum, BILL Spend & Expense, Brex, J.P. Morgan Commercial Cards
BrexChanged
Two alternativesAirwallex, Ramp
Airwallex
Four alternativesBILL Spend & Expense, Brex, Navan, Ramp
Ramp
Two alternativesAmerican Express Corporate Card, Brex
no first choiceagainst: Corpay
MiniMax M2.5Ramp
Five alternativesBILL Spend & Expense, Brex, Corpay, Payhawk, Rippling Spend
against: American Express Business Platinum
BrexChanged
One alternativeRamp
against: American Express Business Platinum, Capital One Spark Miles
no first choiceRho
Two alternativesAirwallex, BILL Spend & Expense
against: Emburse, Ramp
no first choiceagainst: Atlantica, Barclays, Brex, Capital One, Credit One, GE, Indigo Card, Luxury Card, Mission Lane, OpenSky, Petal, Premier Bank, Ramp, SAP Concur, SunTrust, TD Bank
Bold 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.
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:55yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:33yes46 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:22yes2230 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:22yes196 s
Direct recommendationGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:54yes2919 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 18:58yes1110 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:12yes2121 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:58yes54 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:51no030 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:54yes1531 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:19yes1431 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:12yes1674 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:12yes98 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:49yes26 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:59yes1323 s
ParaphrasePerplexity Sonarsonar2026-09-17 20:03yes206 s
ParaphraseGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 19:34yes3319 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 21:19yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 19:54yes30108 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:18yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:44yes1054 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:03yes2737 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:07yes24201 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:05no044 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:46yes1510 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:27yes39 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:55yes1862 s
ComparativePerplexity Sonarsonar2026-09-17 21:07yes2012 s
ComparativeGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:01yes3419 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 20:12yes711 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:51yes2950 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:38yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:53yes2051 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:56yes2952 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:43yes2556 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:13yes1522 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:34yes149 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:11yes36 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:40yes2329 s
Budget constrainedPerplexity Sonarsonar2026-09-17 18:52yes188 s
Budget constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:49yes4823 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:18yes1412 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:49yes2835 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:09yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:58no026 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:29yes2445 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:51yes21183 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:27yes1977 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:56yes2816 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:11no09 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 20:14yes527 s
Scale constrainedPerplexity Sonarsonar2026-09-17 20:40yes169 s
Scale constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:13yes1415 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:49no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:23yes3032 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:36yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:18no030 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:41yes1963 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:09yes1547 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:01yes2237 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:58yes189 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:01yes58 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:57yes1854 s
Negative framingPerplexity Sonarsonar2026-09-17 18:35yes2010 s
Negative framingGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:51yes2214 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 18:48yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:42yes2726 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:48yes54 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:37no030 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:36yes2934 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:28yes2198 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 21:10yes2389 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

ShowHide
Category-scoped readings
American Express read as American Express Corporate Card
American Express (Amex Corporate Program) read as American Express Corporate Card
American Express (Amex Gilt Edge) read as American Express Corporate Card
American Express (Membership Rewards) 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 Divvy) read as BILL Spend & Expense
Citi read as Citi Commercial Cards
Citi (AAdvantage) read as Citi Commercial Cards
Citi (Business Edge / Purchasing Solutions) read as Citi Commercial Cards
Citi Commercial read as Citi Commercial Cards
Divvy read as BILL Spend & Expense
Divvy (BILL) read as BILL Spend & Expense
Divvy (Bill.com) read as BILL Spend & Expense
Divvy (by BILL) read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
Divvy (now BILL Divvy) read as BILL Spend & Expense
J.P. Morgan read as J.P. Morgan Commercial Cards
J.P. Morgan (One Card) read as J.P. Morgan Commercial Cards
J.P. Morgan Chase read as J.P. Morgan Commercial Cards
JPMorgan read as J.P. Morgan Commercial Cards
JPMorgan Chase read as J.P. Morgan Commercial Cards
Rippling read as Rippling Spend
Unresolved, counted raw
American Express Global Commercial Pay (Amex)
American Express Global Corporate Payments
Commonwealth Bank
Float Corporate Card
GE (now Synchrony‑run)
HDFC/ICICI/Axis
SunTrust (now Truist)
U.S. Bank Commercial Cards
U.S. Bank purchasing-card programs
Visa Business Credit Card
Discontinued, still offered
No shut-down product was recommended here.
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