Ramp
FreeThe corporate card that helps you spend less
About Ramp
Ramp is the corporate card and expense management platform that finance teams consistently recommend over Brex for mid-market companies. The core differentiator: Ramp's software automatically flags duplicate SaaS subscriptions, unused seats, and cost-saving opportunities — the savings intelligence is built in, not an add-on. Cards are Visa charge cards with 1.5% cashback on all spend, no category restrictions, paid out as statement credits. The core Ramp platform is free: unlimited cards, receipt capture, expense management, and accounting integrations with QuickBooks, Xero, NetSuite, and Sage. Ramp Plus at $15/user/month adds custom approval workflows, advanced vendor management, and procurement tooling. Ramp Enterprise pricing is custom. Finance teams on CFO communities report Ramp's duplicate detection finding $10,000 to $50,000 per year in redundant SaaS subscriptions for mid-size companies. Key limitation: Ramp is US-only for card issuance. International employees cannot hold Ramp cards, which creates exceptions for global teams. The 1.5% cashback applies as a statement credit that reduces your bill, not cash or transferable points. Who should not use Ramp: companies outside the US or without a US entity, startups below 10 employees where a simple business credit card is sufficient, and organizations already under Amex or Brex contract commitments. Also avoid if your monthly card spend is low enough that the cashback economics don't justify switching from your existing card relationship.
Key Features
Pricing Plans
Free
- Corporate cards
- Expense management
- Bill pay
- Accounting automation
Plus
- Everything in Free
- Custom workflows
- Advanced policies
- ERP integrations
Enterprise
- Everything in Plus
- Custom implementation
- Dedicated support
- Advanced security
Pros
- Core platform is genuinely free with no catch
- AI-powered savings recommendations
- Excellent receipt matching and auto-categorization
- Price intelligence identifies duplicate subscriptions
- Fast and helpful customer support
- Clean modern interface that employees actually like
Cons
- Requires a minimum cash balance to qualify
- Rewards are modest compared to some competitors
- International capabilities still developing
- Limited to US-incorporated companies
- Procurement features are relatively new
- Less flexible for very complex organizational structures
Best For
- mid-market companies that want automated expense management with real accounting integrations
- finance teams that want to automatically identify duplicate subscriptions and unused SaaS seats
- non-VC-backed companies that need corporate cards without a personal guarantee
- CFOs who want real-time spend visibility across the whole company
Not Ideal For
- travel-heavy companies where Brex category multipliers (7x rideshare, 4x travel) beat 1.5% flat
- very small teams where the free tier covers everything and Plus is unnecessary
- enterprises needing complex multi-level approval workflows (Airbase goes deeper)
Potential Deal Breakers
- flat 1.5% cashback loses to Brex category multipliers for companies with heavy travel spend
- charge card model requires paying in full monthly — no revolving credit
- approval workflow depth is less than enterprise tools like Airbase for complex org structures
Data & Privacy
Corporate card and expense management. AI features analyze spending for savings recommendations. No data selling. SOC 2 Type 2 certified. PCI DSS compliant. Full transaction export.
Who Is This For?
Hands-on tested May 2026
Signup Experience
Business application required -- needs EIN, business bank account, and owner identity verification. Approval typically takes 1-3 business days for established businesses. No personal guarantee required for most applicants. Once approved the dashboard, virtual cards, and expense management tools are immediately available.
For Home Users
Not applicable for personal use. Requires a registered US business entity.
For Business Users
Free corporate cards with 1.5% cashback on all spending, no annual fee, and no foreign transaction fees. Expense management, bill pay, and procurement workflows are included at no additional cost. AI-powered savings recommendations actively flag duplicate subscriptions and vendor overspend -- a genuine differentiator. Competes with Brex on features; Ramp wins on cost-saving automation and simplicity, Brex wins on rewards flexibility and global features.
Our Verdict
Ramp's combination of free pricing, solid accounting integrations, and built-in savings intelligence makes it the easiest recommendation for most mid-market companies. The 1.5% flat cashback loses to Brex's multipliers for travel-heavy spend, but the expense automation more than makes up for it in practice. If you're not VC-backed and need corporate cards, Ramp is often the only realistic Brex alternative.