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Best Corporate Card and Expense Management Tools for Small Businesses in 2025

A comprehensive review of the top spend management platforms for SMBs—evaluated on pricing, reimbursement speed, automation, and real user feedback.

Bvodo Team

December 18, 2025

8 min read

Small and medium-sized businesses in 2025 face unique challenges when managing expenses and corporate spending. With hybrid workforces, fluctuating travel budgets, rising operational costs, and the need for tight financial control, choosing the right tool can make or break efficiency, employee satisfaction, and cash flow management.

Corporate cards have become central to modern spend management, but not all solutions are created equal for SMBs (typically 10–200 employees). Some focus on rewards and controls, others on automation and reimbursements. The best ones combine ease of use, transparent pricing, and features that save time without overwhelming small finance teams.

This in-depth review evaluates the leading options based on real user feedback from 2025, pricing transparency, reimbursement speed, approval workflows, integrations, mobile experience, and overall suitability for growing SMBs.

Key Trends

Key Trends Shaping Spend Management for SMBs in 2025

Before diving into the rankings, here are the trends driving decisions:

Hybrid Card + Reimbursement Models

Pure card tools are great for control, but many SMBs still need fast reimbursements for non-card expenses (meals, mileage, tools).

AI and Automation

Receipt scanning, auto-categorization, and fraud detection are now expected to reduce manual work by 50–70%.

Real-Time Visibility

Dashboards with live spend trends and alerts help CFOs forecast accurately in uncertain economies.

Employee Experience

Same-day payouts are emerging as a morale booster—delays cause resentment and lower submission rates.

Transparent Pricing

SMBs favor per-active-user or free-core models over complex tiers.

Global & Canadian Considerations

No FX fees, multi-currency support, and compliance with local banking are critical.

The Rankings

The Top Tools for Small Businesses in 2025

1

Float

Best Overall for Canadian SMBs

Float continues to dominate for Canadian small businesses with its no-FX-fee Visa cards, intuitive controls, and seamless accounting integrations.

Key Features

Unlimited virtual/physical cards, real-time approvals, bill pay, expense tracking, reimbursements.

Pricing

Free core plan + transparent paid tiers.

Pros

Excellent Canadian banking support, fast customer service, easy onboarding.

Cons

Reimbursements are efficient but not same-day by default.

2

Ramp

Best for US-Focused Automation & Savings

Ramp remains a powerhouse for US-based or US-heavy SMBs, offering unlimited cards and powerful AI-driven insights.

Key Features

1.5% cashback, AI receipt matching, policy enforcement, integrations with QuickBooks/Xero.

Pricing

Free core + optional paid add-ons.

Pros

Significant savings through rewards and automation, excellent reporting.

Cons

International fees apply, reimbursements are secondary to card spend.

3

Brex

Best for High-Growth & Venture-Backed Teams

Brex excels for startups with big ambitions, providing high-limit cards and rich rewards.

Key Features

Points-based rewards, global cards, expense tracking, bill pay.

Pricing

Free base + premium tiers.

Pros

Generous limits and rewards, strong for travel-heavy teams.

Cons

Stricter eligibility (often prefers funded companies), reimbursements not instant.

4

Bvodo

Best for Growing SMBs & Employee Experience

Bvodo is built specifically for small and medium businesses that want a modern, no-fuss expense management solution. With AI-powered automation, flexible expense coding, and real-time visibility, it helps finance teams save time while keeping employees happy.

Key Features

AI receipt scanning, flexible expense coding (GL codes, cost centers, projects, departments), QuickBooks sync, real-time dashboards, fast payouts.

Pricing

$25 per active user/month (pay only for users who submit).

Pros

Purpose-built for SMBs, flexible coding fields that sync to QuickBooks, saves 10–20 hours/month, transparent pricing.

Cons

No corporate cards yet (works well alongside Float or Ramp).

5

Airbase

Best for Unified AP + Spend Management

Airbase combines cards, reimbursements, and accounts payable in one platform.

Pros

Comprehensive for growing finance needs.

Cons

Setup can feel heavier for very small teams.

6

BILL Spend & Expense

Best Budget-Friendly Cards

Simple virtual cards with basic tracking.

Pros

Low barrier to entry.

Cons

Limited advanced features or instant payouts.

7

Expensify

Best for Traditional Receipt-Heavy Workflows

Long-standing tool with optional card.

Pros

Familiar interface, SmartScan.

Cons

Batch processing common, delays in reimbursements.

Recommendation

How to Choose the Right Tool for Your Business

The best choice depends on your specific needs. Float is ideal for Canadian SMBs wanting an all-in-one card solution. Ramp excels for US teams focused on cashback and automation. Bvodo stands out for businesses prioritizing employee experience and streamlined expense workflows without the complexity of enterprise tools.

Many growing teams find success with a hybrid approach—pairing a corporate card solution like Float or Ramp with a dedicated expense platform like Bvodo for complete spend visibility.

Try Bvodo Free for 3 Months

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Bvodo

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Bvodo Team

We're building modern expense management for growing businesses. Same-day reimbursements, AI-powered receipt scanning, and real-time spend visibility.