Ramp
Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.
Overview
Ramp is a finance automation platform built around a corporate charge card that earns flat-rate cash back on all purchases. The card runs on the Visa network, is paid in full each cycle on roughly 30-day terms, and requires no personal guarantee or personal credit check. Spending limits are set from a company's cash balance and revenue rather than personal credit, and both physical and virtual cards are unlimited at no extra cost.
Beyond the card, Ramp bundles spend management: AI receipt capture that auto-matches and codes transactions, configurable approval workflows and spend policies, employee reimbursements, and bill pay covering ACH, card, check, and wire on all tiers. It offers two-way accounting sync to 40+ ERPs including NetSuite, Sage Intacct, QuickBooks, and Xero, plus a public REST API. Ramp starts at $0, earning on interchange, with a Plus plan at $15 per user per month that adds advanced approval routing and bulk reimbursement processing.
On security and administration, Ramp holds SOC 2 Type II and PCI DSS, and includes SAML SSO (Okta, Google, Microsoft Azure) and SCIM provisioning across its pricing tiers. Founded in 2019 and headquartered in New York, the company has roughly 2,700 employees.
Best for
- Companies that want a corporate card with no personal guarantee, with limits set from cash balance and revenue rather than personal credit.
- Teams that want to consolidate spend management onto one platform: card, AI receipt matching, approval workflows, reimbursements, and bill pay across ACH, card, check, and wire.
- Cost-sensitive buyers who can start free at $0, with paid features available at $15 per user per month on the Plus plan.
- Finance teams running NetSuite, Sage Intacct, QuickBooks, or Xero that want native two-way accounting sync, plus a public API for custom integrations.
- Organizations needing enterprise identity controls: SOC 2 Type II, SAML SSO, and SCIM provisioning included across tiers.
Less ideal for
- Companies with heavy international spend: foreign transactions carry a Visa conversion markup of up to 3%, with no fee-free FX.
- Buyers who want category-tiered rewards or points programs; Ramp offers only flat-rate cash back on all purchases.
- Businesses that need to carry a balance over time, since Ramp is a charge card paid in full each cycle on roughly 30-day terms rather than a revolving credit line.
Pricing
Card & limits
Rewards & cash back
Spend management
Security & compliance
Platform & integrations
Compare Ramp
Alternatives to Ramp
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American Express The incumbent business-card issuer — established Membership Rewards and premium perks across a broad charge and credit lineup.
View profile BILL Spend & Expense Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
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