Ramp is a corporate spend management platform and business credit card that automates expense management, bill payments, and financial controls for companies. It provides real-time spend visibility, automated receipt matching, accounting integrations, and AI-powered insights — all with no fees and a card that earns 1.5% cashback. Ramp's automation-first approach reduces the time finance teams spend on manual expense processing, making it popular with fast-growing startups and mid-market companies seeking to replace legacy expense tools.
Finance automation and corporate cards.
Best for: US companies that want automated expense management and spend control without monthly fees.
- Free plan
4.6/5 ratingEditorial score 91/100ramp.com
Entry plan
Free forever
Get started free
Opens the official website in a new tab.
Editorial score91/100
The editorial note
What to know about Ramp
Is it right for you?
Who Ramp suits
Choose it if
- US companies that want automated expense management and spend control without monthly fees.
Look elsewhere if
- International companies or teams needing multi-currency corporate cards — Brex and Airwallex offer better international support and global card programs for companies operating outside the US
What you get
Key features
- Corporate charge cards with no fees
- Automated receipt matching
- Real-time spend dashboards
- Vendor management
- Bill payments (Ramp Bill Pay)
- Accounting software sync
- Spend policies and controls
- AI cost savings insights
Works with
Integrations8
What it costs
Pricing
| Plan | Price | What it includes |
|---|---|---|
| Free | Free forever | Corporate cards and spend management — no monthly fees |
| Plus | $15 / user / monthBilled monthly | Advanced expense controls, custom fields, and priority support |
Prices are recorded from the vendor's public pricing page and can change. Check before you buy.
The trade-off
Pros and cons
Pros
- No fees — Ramp charges $0 for the platform and earns revenue from interchange fees
- Automation features auto-categorize expenses and match receipts without employee action
- Real-time spend visibility gives finance teams immediate control over company spending
- AI-powered insights surface cost-saving opportunities and duplicate vendor charges
- Accounting sync with QuickBooks, Xero, and NetSuite eliminates manual data entry
Cons
- US-only — not available for international businesses or companies with global operations
- Requires a US business bank account and minimum $25,000 in a business bank account to qualify
- Credit limits are lower than traditional corporate cards for newer businesses
- Personal liability charge cards not available — employees cannot use personal cards
Quick read
At a glance
- Category
- Finance & Business Services
- Pricing model
- Free
- Entry plan
- Free forever
- Free plan
- Available
- Free trial
- Not listed
- Website
- ramp.com
The verdict
Our take on Ramp
Ramp is the right choice for US companies that want automated expense management and spend control without monthly fees. No monthly fee with automated accounting integrations and strong spend controls, making it one of the stronger options in its category. The main caveat: US-only; requires a business bank account to get started. It is free to use, so factor that into your evaluation.
Keep exploring
More from Finance & Business Services
Mercury
Finance & Business Services
Banking built for startups and tech companies.
Best for: Startups and tech companies who want a modern bank account with…
- Free plan
4.7/5 ratingRead review
Stripe
Finance & Business Services
Developer-first payment infrastructure powering millions of businesses — the gold standard for online payment…
Best for: Software companies, SaaS businesses, and e-commerce platforms that…
4.4/5 ratingRead review
Wise Business
Finance & Business Services
International business payments at real exchange rates.
Best for: Businesses making regular international payments who are losing money…
- Free plan
4.6/5 ratingRead review