Ramp Card: Strong Automation, Some Caveats
Ramp’s expense management platform leverages automation and integration to save your business time and money. Cash-back rewards are just the cherry on top.
The bottom line:
Ramp’s streamlined expense management software can do the work of several business tools, freeing up your finance team to do more important tasks. But it’s not built for global companies, and you need a paid subscription to get the full suite of features.
Credit card details
Annual fee
$0
Regular APR
N/A
Intro APR
N/A
Rewards rate
1%-1.5%
Up to 1.5%. Reward rate varies by customer and is determined by Ramp.
Cashback
Foreign transaction fee
0%
Intro offer
$1,000
Earn a one-time $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Pros & Cons
Pros
Card-level spending controls
Automatic receipt matching and expense categorization
Integrates with common business tools
No personal guarantee or credit check
Cons
Reward rate varies by customer and is determined by Ramp
Customer support relies heavily on automation
Paid subscription required to get full suite of features, integrations
Minimal support for global teams
Not available to sole proprietors
More details from Ramp
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Compare to other cards
Annual fee
$0
Annual fee
$0
Annual fee
$0
Regular APR
N/A
Regular APR
N/A
Regular APR
N/A
Intro APR
N/A
Intro APR
N/A
Intro APR
N/A
Need more options? Check our picks for best business credit cards of 2026
The Brex Card is a better choice for VC-backed companies that spend heavily on travel and software. The card's category-specific rewards outperform Ramp's cash-back rate if your spend is concentrated in the right areas. And its global capabilities are stronger out of the box.
Ramp relies on email and automation for customer support. Rho relies on humans. Each Rho customer gets a dedicated account rep and 24/7 access to live, human support. Yes, Rho’s expense management tools aren’t as sophisticated. But for some companies, the tradeoff is worth it
Full review
Ramp isn’t for rewards chasers. It’s for small businesses that need solutions.
Yes, the card gives you up to 1.5% cash back on purchases. But you can get that — or better — with any business credit card. What you can’t get with a standard business card? Virtually everything else Ramp offers.
Geared toward companies with 10 to 100 employees, Ramp is a corporate card, expense management and reimbursements tool all rolled into one streamlined platform.
A platform that lets you customize compliance rules and automatically capture and log receipts. And that integrates seamlessly with dozens of popular business tools, including Quickbooks Online, Xero, Slack and Gmail.
Mid-sized companies will find Ramp’s free plan lacking, though. You need to upgrade to Ramp Pro or Enterprise to unlock integrations with enterprise resource planning and human resources tools like Oracle, NetSuite, Sage Intacct and Workday.
Ramp also reserves priority customer support for paid customers. And getting a human on the phone can be a challenge — a frequent complaint on TrustPilot and Reddit.
» MORE: Best business cards for startups
The card is best for:
✔️ Scaling startups.
✔️ Bank balance > $25K.
✔️ Expense management.
✔️ Simple rewards.
Card details: Ramp Card
📍Eligibility:
- Minimum bank balance: $25,000.
- Business types: corporations, partnerships, LLCs and nonprofits.
- Operations and spending primarily in the U.S.
- No minimum annual revenue or time in business requirements.
🎉 Rewards: Up to 1.5%. (Reward rate varies by customer and is determined by Ramp.)
💰 Sign-up bonus: Earn a one-time $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
💲 Monthly fee:
- Ramp Free: $0 per month, per user.
- Ramp Plus: $15 per month, per user. Additional platform fees apply.
- Ramp Enterprise: Annual fee that varies by company needs and size.
💷 Foreign transaction fee: No FX fee. But Ramp does charge a 3% currency conversion fee for purchases made in a foreign currency.
📈 APR: N/A. The Ramp Card is a pay-in-full charge card.
🎆 Other benefits:
- Automatic receipt matching and expense categorization.
- Spending controls and custom approval flows.
- Forecasting tools to identify potential cost savings.
- Discounts with Ramp partners, including OpenAI, AWS, Asana, Xero and Plaid.
Where the Ramp Card shines
Integrations that save time, money
Time is money — especially for small businesses. Ramp’s suite of integrations can automate many tedious, time-consuming tasks. This frees up your finance team for bigger tasks.
Sync your Ramp Card with QuickBooks Online or Xero to automatically push card transactions, receipts and expense categorizations directly into your general ledger. No CSV exports. No reconciliation backlogs. Ramp matches receipts and expenses as you go.
Mid-sized companies using more sophisticated ERPs can upgrade to Ramp Plus ($15 per month, per user plus a platform fee). This level unlocks real-time syncing with NetSuite and Sage Intacct, enabling faster month-end close without manual intervention.
Ramp also integrates directly with a growing list of common business vendors to pull receipts automatically. That means employees don't have to do anything after the purchase to get reimbursed. More on that below.
Easy, automated receipt capture
Chasing down receipts is a massive time drain. Ramp largely eliminates it. Connect accounts to Uber for Business, Lyft, DoorDash or Amazon Business, and receipts flow into Ramp the moment a purchase is made. No action required from the employee.
No integration? No problem. Simply forward the email to receipts@ramp.com, and Ramp will match it to the corresponding transactions. You can also submit receipts via Slack or Microsoft Teams.
For in-person spending, Ramp automatically sends a text the moment a card is used asking for a receipt. Employees can snap a photo, reply to the text and go on with their day.
Proactive spending controls
Ramp stops out-of-policy purchases before they happen.
The free plan covers the essentials: per-card spending limits, merchant and category restrictions, and instant virtual cards with automatic expiration. You also get real-time alerts for suspicious activity or budget overruns.
Upgrade to Plus and Ramp gets proactive. When receipts aren't submitted on time, Ramp automatically locks the card until it’s resolved. And AI-driven policy reviews surface spending patterns and flag exceptions without anyone having to look for them.
Reasons to consider a different card
Your company operates internationally
Ramp wasn’t built with global teams in mind.
Free and Plus plan users can pay international vendors and reimburse employees in their local currency. But those funds come from a US dollar account. Anything else — local currency cards, locally funded reimbursements and multi-country card issuing — require an Enterprise upgrade.
If you have employees spending time in multiple countries, consider Airwallex. It beats Ramp at almost every turn.
On its entry-level plan, you can:
- Issue multi-currency cards to employees worldwide.
- Reimburse employees in their local currency.
- Accept payments and pay vendors in their local currency.
Airwallex's free Explore plan also includes a global business account, which lets you open local accounts in more than 20 currencies. This allows businesses to hold balances in foreign currencies, eliminating conversion costs for companies with international revenue.
Employee spending is minimal
If your team rarely uses company cards, Ramp is built for a problem you don't have. A standard business credit card will serve you better.
The Capital One Spark Cash Plus is a great choice for high-spend businesses. It earns 2% cash back on purchases and has no foreign transaction fees. The $150 annual fee is refunded every year you spend $150,000 — spend at that level and it's effectively free.
Then there’s the welcome offer:
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
At $150,000 in annual spend, that's $5,000 back in your first year. At $500,000 annual spend, it’s $14,000 in the first year.
You can still issue employee cards as needed and set basic spending controls with the Spark Cash Plus. The only thing you're giving up is Ramp's integrations and automated workflows. For a lean operation with minimal employee spend, that's no great loss.
» MORE: Best business charge cards
Reaching live, human support is challenging
Ramp excels at automation, but online commenters say its live human support is lacking.
Their chief complaint: Ramp’s customer support relies too heavily on email and chat tools. That’s fine for routine questions, but simply not enough for urgent issues.
Here’s what one customer wrote in a Trustpilot review. We can’t verify their experience. But other complaints echo this one, especially its last line:
“We were required to send multiple emails before being provided with a way to speak to a live representative. Even then, we were repeatedly redirected to app-based verification and ticket submissions before being allowed to talk to someone.
“This process is excessive, inefficient, and frustrating — especially when dealing with urgent payment issues.”
Ramp’s customer support number — (855) 206-7283 — is available on the website’s help center. When we called it, we reached a live agent in under three minutes. But we did have to dodge multiple attempts to log into the app and use AskRamp, the company’s chat support.
Business owners who want dedicated, on-call customer support may find a better match with Rho. All Rho customers get a dedicated account manager and 24/7 access to human support. No chatbots. No ticket queues.
Rho’s corporate card is also more accessible than most EIN-only business cards, which don’t require a personal guarantee. There’s no minimum revenue or bank balance requirement, though Rho uses prior bank statements to set your credit limit.
The trade-off is platform depth. Rho's expense management, automation and integration tools are available to every customer at no extra cost. But Rho currently lacks integrations with apps like Gmail, Amazon Business, DoorDash and Uber, giving Ramp an edge on automated receipt capture.
You want better rewards
Ramp’s software is the powerhouse. Its rewards feel like an afterthought — one that has a history of changing.
In May 2024, Ramp shifted from a simple, transparent 1.5% back on all purchases to a more opaque policy. While you can still earn cash back on qualified purchases (up to 1.5%), the reward rate now varies by customer and is determined by Ramp.
If you’d rather maximize rewards out of the gate, consider the Brex Card — especially for travel and SaaS.
You can earn:
- 7x points on rideshare.
- 4x on travel booked with Brex Travel.
- 3x on dining.
- 2x on software subscriptions.
Qualifying can be difficult, though. Brex is selective and targets venture-backed businesses. You need at least $1 million in annual revenue to qualify for daily payments.
How we evaluated the Ramp Card
NerdWallet's experts do the following for our business credit card reviews:
- Compare the Ramp Card to similar cards. NerdWallet’s writers and editors evaluate how the card’s rewards, perks, fees and features stack up to its peers. This is the basis of our star rating.
- Get feedback from business owners. We gather insight directly from business owners when possible. We also scan online forums for discussion specific to the Ramp Card. Since we cannot confirm the accuracy of these comments, they do not affect our ratings.
- Survey the card’s issuer. We conduct an annual survey to get details that are less available to the public, but important for business owners. We ask about spending controls, minimum credit limits and credit limit increases, among other things.