Save time and money with unlimited 1.5% cashback, expense automation, and intelligent corporate cards. The ultimate platform for controlling company spend.
Kiree Score
9.5
Annual Fee
$0
Cashback
1.5%
Virtual Cards
Unlimited
Navigation
Best For
Not Ideal For
Ramp is currently available only for businesses registered in the **United States**.
Note: Sole proprietorships are generally not supported.
Core Requirements
Sleek, secure physical cards for founders and key employees.
Issue unlimited virtual cards for subscriptions, vendors, and one-time buys.
Add cards instantly to mobile wallets for contactless spending.
Cashback Program
1.5%
Unlimited Cashback on Every Single Purchase
| Item | Fee |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | $0 |
| Employee Cards | Free |
| Virtual Cards | Unlimited & Free |
| Replacement Card | Free |
This is Ramp's core competitive advantage. It's not just a card; it's a financial operating system.
Employees simply text or email a photo of the receipt, and Ramp automatically matches it to the transaction.
Automatic categorization and policy enforcement to ensure every dollar spent is compliant.
Pay all your business bills (SaaS, Rent, Vendors) through Ramp and earn cashback.
See exactly what's being spent across the entire company the moment it happens.
QuickBooks
Xero
NetSuite
Sage
FreshBooks
"Automatically sync expenses and close your books 5x faster."
| Scenario | Recommendation |
|---|---|
| Remote & Global Teams | ★★★★★ |
| Employee Spending Control | ★★★★★ |
| High Marketing Spend | ★★★★★ |
| Business Travel Expenses | ★★★★☆ |
| Heavy Manufacturing | ★★☆☆☆ |
**US Businesses Only**: You must have a US-registered entity (LLC, Corp, etc.) and a US EIN.
**Credit Approval**: Ramp is a corporate credit card. Approval is based on your business creditworthiness and bank balances.
Need More Global Coverage?
Try Airwallex Cards or Revolut Business. Better for non-US entities.
Need Startup Banking + Card?
Try Mercury or Brex. They offer integrated banking and credit card solutions.
Does Ramp charge an annual fee?
No. Ramp is completely free to use. They earn money from merchant interchange fees when you swipe your card.
Does Ramp require a credit check?
Yes, Ramp performs a business credit check, but it typically does not require a personal guarantee from the founder.
Is Ramp available outside the US?
No. You must be a US-registered business to apply for Ramp.