Corporate cards for small business buyers
Asked as “corporate card program”, and as “business credit card with spend controls”, on behalf of a small B2B company. 57 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
65%
Clear leader
65Ramp16BILL Spend & Expense11Brex09others
65% of first choices, clear leader.
Since October 2026▼−3Since October 2026: 68% → 65%, −3 points. Inside the 10-point floor: within noise.Ramp held the lead, −3 points on 68%, inside the 10-point 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.This pageMid-marketRamp67%Clear leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.Standing →EnterpriseRamp52%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.This pageMid-marketRamp67%Clear leader▲+15Since October 2026: 52% → 67%, +15 points. Past the 10-point floor: movement.Standing →EnterpriseRamp52%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Ramp65%7%69endorsed leader▼−3Since October 2026: 68% → 65%, −3 points. Inside the 10-point floor: within noise.68% → 65%
Ramp65%7%69endorsed leader▼−3Since October 2026: 68% → 65%, −3 points. Inside the 10-point floor: within noise.68% → 65%02
BILL Spend & Expense16%4%47accepted challenger▲+6Since October 2026: 10% → 16%, +6 points. Inside the 10-point floor: within noise.10% → 16%
BILL Spend & Expense16%4%47accepted challenger▲+6Since October 2026: 10% → 16%, +6 points. Inside the 10-point floor: within noise.10% → 16%03
Brex11%28%58criticized challenger▼−1Since October 2026: 12% → 11%, −1 point. Inside the 10-point floor: within noise.12% → 11%
Brex11%28%58criticized challenger▼−1Since October 2026: 12% → 11%, −1 point. Inside the 10-point floor: within noise.12% → 11%04
Rho2%0%26accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Rho2%0%26accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%Show the two products at 0%, ordered by negative rate
06
American Express Corporate Card0%53%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
American Express Corporate Card0%53%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%05
Rippling Spend0%0%15accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Rippling Spend0%0%15accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 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
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All six head-to-head pages: the top four products, each against each
One product takes 65% of first choices here, so the chart would put five 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. Two products carry a negative rate above 25% in this category.
What they warned about
Five of fourteen models held their first choice under the paraphrase. Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, MiniMax M2.5 and GPT-6 Luna 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.
Brex28%
16 of 58 labels negative · 9 of 14 models · 6 hard negative
“Brex made headlines in 2022 when it abruptly discontinued service to tens of thousands of small business customers” MiniMax M2.5, negative prompt
American Express Corporate Card53%
9 of 17 labels negative · 9 of 14 models · 1 hard negative
“Some AI models recommend avoiding this program, especially for traditional main-street businesses.” Llama 4 Maverick, negative prompt
Ramp7%
5 of 69 labels negative · 5 of 14 models · 1 hard negative
“Avoid fintech cards (Brex, Ramp, Divvy) if you need reliability and strong customer service” DeepSeek V4 Flash, negative prompt
Chase Ink44%
4 of 9 labels negative · 4 of 14 models
“A traditional issuer (Chase Ink, Capital One Spark) only if points/rewards flexibility matters more to you than spend controls and automation” DeepSeek V4 Flash, scale 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. 887 links across 172 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.
47 answers · 64 citations · 12 models
vendor site · Brex29 answers · 53 citations · 11 models
29 answers · 30 citations · 11 models
vendor site · Ramp28 answers · 63 citations · 11 models
vendor site · BILL24 answers · 32 citations · 12 models
vendor site · OFX24 answers · 25 citations · 11 models
19 answers · 23 citations · 9 models
vendor site · Rho18 answers · 26 citations · 8 models
vendor site · Rippling18 answers · 18 citations · 9 models
18 answers · 18 citations · 8 models
17 answers · 20 citations · 10 models
vendor site · Spendesk16 answers · 17 citations · 8 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.
31 answers · 12 models
22 answers · 10 models
18 answers · 9 models
17 answers · 7 models
16 answers · 9 models
15 answers · 8 models
15 answers · 8 models
14 answers · 7 models
13 answers · 8 models
10 answers · 6 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 | 65% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 2 |
| BILL bill.com BILL Spend & Expense 16%, Bill.com 2% | 18% | 331 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Brex brex.com | 11% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 1 |
| Capital One Spark capitalone.com Capital One Spark Cash Plus 4%, Capital One Spark Cash Select 0%, Capital One Spark 1% Classic 0% | 4% | 9 | 2,400 | 12 | 22,535,395 company | $64,353 | 99 | |
| Rho rho.co | 2% | 152 | 74,000 | 7,366 | 182,562 | $416 | 2 | |
| American Express americanexpress.com American Express Blue Business Cash 2%, American Express Business Gold 0% | 2% | 9 | 3,350,000 | 23,185 | 22,105,127 company | $20,307 | 119 | 3 |
| Rippling rippling.com Rippling Spend 0% | 0% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Mercury mercury.com | 0% | 182 | 368,000 | 130,988 | 301,244 | $284,811 | 25 | |
| OFX ofx.com | 0% | 48 | 6,600 | 434 | 7,511,219 | $2,840 | 76 | |
| Airwallex airwallex.com | 0% | 260 | 27,100 | 416 | 420,414 | $56,832 | 45 | 2 |
Google's top ten for the three searches hold 20 sites; 2 of them are among the sites the models cited here (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 small B2B company?”Paraphrase“Which business credit card with spend controls would you recommend to a small business that sells to other businesses?”Comparative“What are the top corporate card programs for a small team and how do they differ?”Budget-constrained“What is the best corporate card program for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a corporate card program. What should we look at?”Negative“Which corporate card programs should a small business avoid or be cautious about?”
Claude Haiku 4.5RampRampHeldBILL Spend & ExpenseBILL Spend & Expenseno first choiceagainst: Amex Corporate Platinum
Four alternatives
BILL Spend & Expense, Chase Ink Business Cash, Rho, The BILL Divvy Corporate CardTwo alternatives
Brex, Chase Ink Business UnlimitedFive alternatives
American Express Corporate Card, Brex, Navan, Ramp, RhoTwo alternatives
American Express Blue Business Cards, RampGPT-5.4 miniRampRampHeldagainst: American Express Corporate CardBILL Spend & Expense, Rampagainst: Chase InkRampno first choiceagainst: American Express Corporate Card Programs
Four alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendOne alternative
BrexTwo alternatives
Airbase, BrexTwo alternatives
Rho, Rippling SpendGemini 3.5 FlashRampBILL Spend & ExpenseChangedRampRampBrex, Rampagainst: Brex, Continental Finance, Credit One Bank Business Cards, First Premier Bank
Four alternatives
American Express Business Gold, BILL Corporate Card, Capital One Spark Cash Plus, Chase Ink Business PremierThree alternatives
American Express Business Gold, Capital One Spark Cash Plus, RampFour alternatives
American Express Business cards, BILL Spend & Expense, Brex, Chase InkThree alternatives
American Express Blue Business Cash, BILL Spend & Expense, Chase Ink Business UnlimitedThree alternatives
American Express Corporate Card, Chase, NavanPerplexity SonarRampBILL Spend & ExpenseChangedagainst: Ink Business UnlimitedBILL Spend & Expense, Rampagainst: American Express Corporate CardBILL Spend & Expenseno first choiceagainst: Brex, Ramp
Five alternatives
BILL Spend & Expense, Brex, OFX, Rho, Rippling SpendThree alternatives
Capital One business card, OFX Corporate Cards, RampFour alternatives
Airwallex, Brex, OFX, RhoThree alternatives
OFX, Ramp, RhoGrok 4.20Rampagainst: American Express Business Platinum, Chase InkCapital One Spark Cash PlusChangedRampagainst: American Express Business cards, ChaseRampagainst: American Express Business Platinum, BrexBrex, Rampagainst: American Express Corporate Card, Bank of America Corporate Cards, Comdata, Home Depot Business Credit, Mastercard Gold Card, U.S. Bank, WEX
Three alternatives
BILL Spend & Expense, Brex, RhoTwo alternatives
Chase Ink Business Unlimited® Credit Card, The Business Platinum Card® from American ExpressFour alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendThree alternatives
BILL Spend & Expense, Capital One Spark 1% Classic, Capital One Spark Cash PlusOne alternative
American Express Corporate CardMistral SmallRampBrex, RampChangedRampBILL Spend & Expense, Rampno first choicenothing named
Three alternatives
BILL Spend & Expense, Rho, Rippling SpendFour alternatives
Airwallex, BILL Spend & Expense, Brex, RhoOne alternative
RhoDeepSeek V4 FlashRampagainst: BrexRampHeldagainst: Brex, PayhawkRampRampagainst: American Express Business Platinum, BrexBrex, Rampagainst: American Express Corporate Card, Capital One, Capital One Spark, Chase, Chase Inkagainst: Amalgamated Bank Maximum Rewards, BILL Spend & Expense, Brex, Capital One Spark Cash Plus, Capital One Venture X Business, Mastercard Gold Card, Ramp, U.S. Bank Business Altitude Connect, Wells Fargo Signify Business Cash Card
Two alternatives
BILL Spend & Expense, RhoThree alternatives
Capital One Spark Cash Plus, Capital One Spark Cash Select, Chase Ink Business PreferredThree alternatives
BILL Spend & Expense, Brex, MercuryFour alternatives
American Express Blue Business Cash, Capital One Spark Cash Select, Chase Ink Business Cash, Ink Business UnlimitedTwo alternatives
BILL Spend & Expense, Rippling SpendLlama 4 MaverickRampCapital One Spark Cash PlusChangedno first choiceRampno first choiceagainst: American Express Corporate Card, Capital One, Ramp
Three alternatives
BILL Spend & Expense, Brex, Rippling SpendTwo alternatives
American Express Business Gold, RampThree alternatives
BILL Spend & Expense, Brex, ExpensifyQwen 3.7 FlashRampAmerican Express Blue Business CashChangedRampRampagainst: American Express Corporate Card, ChaseBILL Spend & Expense, Bill.com, Rampagainst: American Express Business Goldnothing named
Four alternatives
BILL Spend & Expense, Brex, Fattwallet, Stripe IssuingOne alternative
Capital One Spark Cash PlusFive alternatives
Airwallex, American Express Business Gold, Brex, Capital One Spark Cash Plus, Chase Ink Business PreferredTwo alternatives
BILL Spend & Expense, RhoTwo alternatives
Chase, U.S. BankKimi K2BILL Spend & Expense, Rampagainst: BrexRampChangedagainst: American Express Business GoldRampRampagainst: BrexBrex, Rampagainst: American Express Corporate Card, J.P. Morgan Commercial Cards
One alternative
RhoOne alternative
BrexFive alternatives
American Express Corporate Card, BILL Spend & Expense, Brex, Chase Ink, MercuryOne alternative
BILL Spend & ExpenseFive alternatives
Airwallex, American Express Business Gold, Chase Ink, Expensify, SpendeskGLM 4.7 FlashXRampagainst: American Express Corporate Card, Capital One, Chase InkRampHeldRampagainst: CoastRampagainst: Brexno first choiceagainst: Brex
Four alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendTwo alternatives
American Express Business Platinum, Chase Ink Business PreferredThree alternatives
Brex, Rho, Rippling SpendFour alternatives
BILL Spend & Expense, Bank of America Business Unlimited, Capital One Spark 1% Classic, Chase Ink Business UnlimitedMiniMax M2.5Ramp, RhoBrexChangedBrex, Rampagainst: AirbaseRampagainst: Brexno first choiceagainst: BILL Spend & Expense, Bank of America Corporate Cards, Brex
Four alternatives
American Express Business Gold, BILL Spend & Expense, Chase Ink Business Unlimited, RampFive alternatives
BILL Spend & Expense, Mercury, OFX, Pleo, RhoThree alternatives
American Express Blue Business Cash, Chase Ink Business Cash, PleoGPT-6 LunaRampBILL Spend & ExpenseChangedBILL Spend & Expense, Rampagainst: American Express Corporate Cashback CardBILL Spend & Expenseno first choiceagainst: Brex, Ramp
Two alternatives
BILL Spend & Expense, BrexOne alternative
Chase Ink business cardTwo alternatives
Brex, RhoOne alternative
RampMuse Glimmer 30BRampRampHeldRampRampagainst: Brexno first choiceagainst: American Express Corporate Card, Brex, Ramp
Four alternatives
BILL Spend & Expense, Brex, Rho, Rippling SpendTwo alternatives
Brex, RhoFive alternatives
BILL Spend & Expense, Brex, Mercury, Rho, Rippling SpendThree alternatives
BILL Spend & Expense, Capital One Spark Cash Select, RhoBold 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 12:33 | yes | 19 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:33 | yes | 2 | 4 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 08:56 | no | 0 | 17 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 11:17 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 10 | 36 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:13 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:31 | yes | 24 | 25 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:20 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:39 | no | 0 | 29 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:59 | yes | 10 | 45 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:43 | yes | 18 | 25 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:54 | yes | 5 | 12 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:38 | yes | 3 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:58 | yes | 15 | 16 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:33 | yes | 19 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:18 | yes | 3 | 4 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 11:49 | no | 0 | 18 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:52 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 23 | 35 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:56 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:25 | yes | 24 | 24 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:50 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:47 | yes | 5 | 32 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:37 | yes | 20 | 27 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:50 | yes | 25 | 32 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:37 | yes | 15 | 27 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:47 | yes | 3 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:40 | yes | 25 | 25 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:55 | yes | 10 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:35 | yes | 5 | 7 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 10:43 | no | 0 | 14 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 08:56 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 5 | 33 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:45 | yes | 5 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:18 | yes | 25 | 30 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:25 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:47 | yes | 10 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:13 | yes | 20 | 49 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:44 | yes | 24 | 53 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:29 | yes | 18 | 95 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:56 | yes | 5 | 20 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:45 | yes | 13 | 22 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:04 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:09 | yes | 3 | 5 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 10:03 | yes | 6 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:45 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 10 | 27 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:30 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:11 | yes | 25 | 34 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:59 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:13 | yes | 5 | 25 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:58 | yes | 15 | 20 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:19 | yes | 19 | 63 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:57 | yes | 25 | 131 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:56 | yes | 2 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:32 | yes | 14 | 23 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:48 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:02 | 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 11:28 | no | 0 | 14 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:28 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 5 | 34 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:40 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:00 | yes | 24 | 32 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:15 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:36 | no | 0 | 32 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:55 | yes | 14 | 36 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:24 | yes | 19 | 139 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:30 | no | 0 | 13 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:01 | yes | 2 | 14 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:47 | no | 0 | 5 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:17 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:18 | yes | 2 | 5 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 10:39 | no | 0 | 16 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:55 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 22 | 41 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:51 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:58 | yes | 21 | 25 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:59 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:40 | yes | 9 | 25 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:34 | yes | 25 | 70 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:49 | yes | 22 | 39 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:25 | yes | 24 | 88 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:17 | yes | 4 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:02 | yes | 24 | 30 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 (Business Cards) read as American Express Corporate Card
American Express (Business or Corporate) read as American Express Corporate Card
American Express Business read as American Express Corporate Card
American Express Corporate read as American Express Corporate Card
American Express Corporate Cashback read as American Express Corporate Cashback Card
Amex read as American Express Corporate Card
BILL read as BILL Spend & Expense
BILL Divvy Card read as BILL Spend & Expense
BILL Divvy Card with BILL Spend & Expense read as BILL Spend & Expense
Capital One Spark Classic read as Capital One Spark 1% Classic
Divvy read as BILL Spend & Expense
Divvy (BILL) read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
Divvy (now BILL Spend & Expense) read as BILL Spend & Expense
Divvy (now BILL) read as BILL Spend & Expense
J.P. Morgan read as J.P. Morgan Commercial Cards
JPMorgan Chase read as J.P. Morgan Commercial Cards
Rippling read as Rippling Spend
Unresolved, counted raw
Amalgamated Bank Maximum Rewards
American Express Blue Business Cards
Amex Blue Business
Azero
BILL Corporate Card (formerly Divvy)
Bank of America Business Unlimited
Capital One Spark Cash
Capital One business card
Chase Ink Business Premier
Chase Ink Business Unlimited® Credit Card
Chase Ink business card
Continental Finance
Credit One Bank Business Cards
Fattwallet
First Premier Bank
Home Depot Business Credit
Mastercard Gold Card
The BILL Divvy Corporate Card
The Blue Business® Plus Credit Card from American Express
The Business Platinum Card® from American Express
U.S. Bank Business Altitude Connect
Volopay
Wells Fargo Signify Business Cash Card
Discontinued, still offered
No shut-down product was recommended here.