What it is
Ramp provides corporate cards with cashback, expense management, bill pay and procurement tools for US businesses, with a free core product and paid tiers for advanced controls and accounting automation.
Who it suits
US companies of any size that want cards and expense management without a per-seat fee.
Regulation and protection
Card programme issued by partner banks; Ramp is not itself a bank.
How it charges
Core cards, expense management and bill pay are free; Ramp Plus adds advanced controls and integrations for a per-user fee. Cashback is paid on card spend.
Getting started
Apply online with business details and link your bank account; issue physical and virtual cards from the dashboard.
At a glance
- Free plan
- Yes
- Is a bank
- No (partner banks)
- Multi-currency
- Global card acceptance
- Accounting sync
- Yes
- Headquarters
- New York
- Founded
- 2019
Strengths
- Free core product with cashback
- Automatic receipt matching and policy enforcement
- Bill pay and vendor management included
Watch for
- Needs a US entity and bank account
- Advanced features are paid
Readers ask2 questions answered
How does Ramp make money if it is free?
From card interchange paid by merchants and from paid software tiers.
Does Ramp require a personal guarantee?
Typically no; limits are underwritten on the business's cash and revenue.
How it comparesIts standing in 1 comparison
Best free platform for US companies of any size
- Free plan
- Yes 1 provider in this comparison
- Multi-currency
- Global card acceptance 1 provider in this comparison
- Accounting sync
- Yes 4 of them share this
- Is a bank
- No (partner banks) 1 provider in this comparison
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