By workflow · Credit card expense management
Credit card expense management software and corporate credit card expense management for the business cards you already have
Credit card expense management software takes the charges on your business cards, pairs each one with its receipt, codes it to the right account and gets it approved before it reaches your books. The question most US buyers skip is whether the tool works with the cards you already carry or wants you to move your spend onto its own card. That one choice decides the price.
Receipts in · categorized spend out · waste flagged
No account needed. Your file is read once and not stored.
Works with:
Receipts in, categorized spend out
Expenditure reads the vendor, amount, date and tax, categorizes the expense, checks it against your policy, and rolls it into a up-to-date picture of every dollar, then flags the waste.
Choose a receipt above, then press Extract.
Reading your receipt
WorkingITEM ......
QTY 1
TAX
TOTAL
+ just now
Categorized and policy-checked in seconds
Upload your own receipt above, or pick another sample.
Every receipt your team sends is read and coded like this.
Works with your existing cards
Bank-grade · we never move your money
Ramp, Brex and BILL Spend and Expense advertise $0 software. Ramp's Free plan is $0 per user and Plus is $15 per user a month plus a platform fee; Brex Essentials is $0 and Premium is $12 per user a month. Those plans are built around opening an account with them and running company spend on their cards. If your team holds Chase Ink, Capital One Spark, Amex or a community bank Visa and you want to keep the rewards, the credit line and the relationship, the $0 does not apply to you.
The tools that sit on top of existing cards all charge for software, and they charge in different units. Expensify Collect is a flat $5 per member a month, but Expensify's help center says Collect allows one company card feed; unlimited feeds need Control, listed at $18 per member a month on an annual subscription. Sage Expense Management (formerly Fyle) is built for existing Visa, Mastercard and Amex cards at $11.99 per active user a month billed annually, with a five-user minimum on Growth. SAP Concur Expense starts at $7 per report on Base. Zoho Expense Standard is $3 per user a month billed annually.
Put a team on it. Ten cardholders on two card programs, one expense report each a month: Expensify Control about $2,160 a year (Collect would be $600 but only covers one of the two feeds), Sage about $1,439, Concur from $840, Expenditure $1,440 on Starter or $2,520 on Growth with policy and approvals. The cheapest number is rarely the cheapest month end, because the cost that grows is the bookkeeper's time spent chasing receipts and recoding charges.
That is where Expenditure fits. You download the statement from each card portal as CSV, OFX or QFX and upload it. Every line gets a decision before anything is booked: a new charge becomes an expense, a charge already on file is skipped as a duplicate, and a charge whose receipt was already sent in is matched to it, within five days before posting or two days after, using the amount and the card's last four digits. Receipts are read at line level, coded to your chart of accounts and exported as a clean file for QuickBooks Online, Xero or NetSuite.
Nothing about your card program changes. You keep the cards, the rewards and the credit lines. Expenditure never moves or holds money; it reads and codes what you spend. Every plan includes 200 receipts per seat a month, pooled across the workspace, from three seats. It is software and insight, not financial, tax or accounting advice.
Compared
Credit card expense management software on cards you already have
Prices read at the vendors' own pages: ramp.com, brex.com, help.expensify.com, fylehq.com, zoho.com and concur.com. Where a vendor prints no number, the table says so.
swipe to see all columns →
| Line | Expensify | Sage Expense Management | SAP Concur Expense | Ramp, Brex, BILL | Expenditure |
|---|---|---|---|---|---|
| Works with existing cards | Yes, by card feed | Yes, live Visa, Mastercard and Amex feeds | Yes, by card feed | Built around their own card account | Yes, by CSV, OFX or QFX statement import |
| Card programs covered | One feed on Collect, unlimited on Control | Any Visa, Mastercard or Amex program | Any supported issuer | Their own cards | Any issuer that exports a statement |
| Published software price | Collect $5 per member; Control $18 list | $11.99 per active user billed annually, $14.99 monthly | From $7 per report (Base) | Ramp $0 or $15 plus a platform fee; Brex $0 or $12; BILL Spend and Expense $0 | $12, $21 or $33 per seat billed yearly |
| Minimum | None on Collect | 5 users on Growth | Not printed | None printed | 3 seats |
| Billing unit | Member | Active user | Expense report | User | Seat |
| Receipt matching to charges | Yes | Yes | Yes | Yes | Yes, by amount, card and a 5 day window |
| Duplicate check on import | Not listed | Not listed | Not listed | Not listed | Yes, before anything is booked |
| Policy and approvals | Collect basic; multi-level on Control | Yes | Yes | Yes | Growth and Scale |
| Accounting | QuickBooks and Xero on Collect; NetSuite on Control | Major ledgers | Major ledgers | Major ledgers | Export files for QuickBooks Online, Xero and NetSuite |
| Ten cardholders on two card programs, a year | About $2,160 on Control | About $1,439 | From $840 | $0 software if you move to their cards | $1,440 Starter; $2,520 Growth |
Yearly totals model ten US cardholders spread over two card programs. Expensify needs Control for a second feed, priced at the $18 annual list rate because the card discount requires the Expensify Card. Sage assumes ten active users at $11.99. Concur assumes one report per person per month at the $7 Base starting price. Expenditure Starter covers import, matching, coding and exports; Growth adds policy, approvals and budgets.
Why it works
What to settle before you pick a credit card expense tool
Keep every card you have
Chase, Capital One, Amex and your own bank stay as they are, with their rewards and credit lines. We read the statement, we do not replace the card.
Nothing booked twice
Each statement line is previewed as new, duplicate or matched before you confirm, so a charge that arrived as a receipt does not become a second expense.
We say where they win
Zoho and Expensify Collect cost less per seat. Sage has live feeds where we import files. We win on line-level coding, duplicate checks and one view across card programs.
What it handles
A receipt in, a categorized line out, the waste flagged
Expenditure reads each receipt, categorizes it, checks it against your policy and rolls it into up-to-date spend, then surfaces the duplicate subscriptions and savings you are leaking.
- Imports CSV, OFX and QFX statements from any card issuer and previews every line before booking
- Matches each charge to its receipt by amount, card and posting date
- Skips charges already on file instead of booking them twice
- Reads receipts at line level and codes each line to your chart of accounts
- Checks expenses against policy and routes them for approval on Growth and Scale
- Exports approved records for QuickBooks Online, Xero and NetSuite
Categorized receipt
Savings insight
save $108/moYou are paying for Figma and Sketch. Teams on both usually consolidate to one.
Why Expenditure
Receipts read, spend categorized, waste flagged
Not manual coding, not a stale spreadsheet. Expenditure reads each receipt, checks your policy, shows up-to-date spend, and flags the savings, all on the cards and banks you already have.
Read and categorized
Snap, forward or drop a receipt. The AI reads the vendor, amount, tax and line items, categorizes it and matches the card, in seconds.
Waste flagged
Duplicate and overlapping subscriptions, unused tools, price creep and out-of-policy spend, surfaced as expenses come in with the potential saving.
Secure and in your control
Bank-grade security, we never move or hold your money, and we never train on your data. Insights, not advice, your finance team decides.
Good questions
Questions about credit card expense management
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Receipts read and categorized, policy enforced, up-to-date spend, and the duplicate subscriptions and savings flagged. It works with the cards you already have and never moves your money.
Receipts in, categorized spend out · real-time budgets · waste flagged · we never move your money