Ramp vs. Rho

Last verified 32 days ago · 19 sources · Updated automatically

Ramp and Rho compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

Ramp

Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.

Founded2019

HQ New York, NY

Visit Ramp Full profile

Rho

All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.

Founded2018

HQ New York, NY

Visit Rho Full profile

Attribute

Ramp

Rho

Company facts

Headquarters

New York, NY Headquartered in New York City

New York, NY 100 Crosby Street, New York, NY 10012

Employees

2.7k Approx. headcount, late 2025 (Revelio Labs workforce data)

345 Approx. 342-351 per third-party aggregators (2026)

Pricing

Starting Monthly Price (USD)

$0 Free plan ($0); card is free, Ramp earns on interchange

$0 Free platform; $0 subscription and $0 per-user fees

Paid Tier Price (USD/user/mo)

$15 Plus plan; 20% off with annual billing

—

Card & limits

Card Type

charge card Corporate charge card, paid in full each cycle (~30-day terms)

charge card Charge card by default — each day's spend is auto-debited from the linked Rho checking account; optional monthly credit terms available

Card Network

Visa Runs on the Visa network

Mastercard Issued by Webster Bank N.A. on Mastercard

No Personal Guarantee

No personal credit check or personal guarantee

No personal guarantee, personal credit check, or personal credit score pull

Limit Basis

cash balance & revenue Limit based on revenue or dollars raised

cash balance & revenue Underwritten on revenue growth, spending patterns, and balance sheet liquidity

Virtual Cards

Unlimited physical and virtual cards at no extra cost

Spin up a virtual card in seconds; physical cards also available

No Foreign Transaction Fees

International transactions carry a Visa conversion markup up to 3%

1% foreign currency conversion fee on card spend abroad

Rewards & cash back

Rewards Model

flat cash back Flat-rate cash back on all purchases (no category tiers/points)

flat cash back Up to 1.5% cash back on all spend; no tiers, no categories

Flat Cash-Back Rate

—

1.5% Up to 1.5% on qualifying spend, paid as statement credit

Spend management

Receipt Capture & Matching

AI receipt capture (SMS/email) auto-matched and coded to transactions

Receipt upload + Gmail connector auto-finds receipts; auto-coded and matched

Approval Workflows & Policies

Configurable spend policies + approval routing; advanced routing on Plus+

Approval rules by amount or team; off-policy spend flagged at point of use

Employee Reimbursements

Out-of-pocket reimbursements included; enhanced bulk processing on Plus+

Out-of-pocket reimbursements incl. mileage; paid from Rho checking (US bank accounts only)

Bill Pay / AP

Bill pay / AP included (ACH, card, check, wire) on all tiers

AP/bill pay via ACH, check, wire, card with approval routing; zero fees

Security & compliance

SOC 2

SOC 2 Type II (annual audits); also PCI DSS

SOC 2 Type II (report available via Trust Center)

SSO (SAML)

SSO for Okta, Google, Microsoft Azure; included on Free per pricing

—

SCIM Provisioning

SCIM provisioning listed on pricing tiers

—

Platform & integrations

Accounting / ERP Sync

Native two-way sync to 40+ ERPs (NetSuite, Sage Intacct, QuickBooks, Xero)

Native sync to QuickBooks, Xero, NetSuite, Sage Intacct (real-time)

Public API

Public developer REST API; docs at docs.ramp.com

—

The verdict

Ramp

Best for IT-governed rollouts and developer integration

Ramp lists SSO (SAML), SCIM provisioning, and a public REST API; Rho's facts show none of these. It also syncs to 40+ ERPs (NetSuite, Sage Intacct, QuickBooks, Xero) and runs on Visa. A paid Plus tier ($15/user/mo) adds advanced approval routing on top of the free plan.

Full profile

Rho

Best for fully free spend with a stated cash-back rate

Rho is $0 with no per-user fees and no paid tier to upgrade to, where Ramp gates advanced workflows behind a $15/user/mo Plus plan. It states up to 1.5% flat cash back and a 1% foreign-currency fee, versus Ramp's Visa markup up to 3%. Runs on Mastercard. Note: no SSO, SCIM, or API in its facts.

Full profile

Sources · 19 verified references

ramp.com rho.co reveliolabs.com pitchbook.com support.ramp.com trust.rho.co + 1 more

Affiliate disclosure. DecisionWire may earn a commission when you sign up through links on this page. Commissions never influence our data, scores, or rankings.