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The finance platform that saves you time and money
Corporate cards and spend management platform focused on saving money.
A corporate charge card and finance-automation platform with a genuinely free core, unlimited cards, expense management, bill pay and 1.5% cash back, built to cut spending rather than reward it.
Ramp is a finance platform combining a corporate charge card with expense management, bill pay and accounting automation. Its pitch is saving companies money and finance-team time, and it funds itself through card interchange, so the core software is free.
Ramp issues corporate charge cards (virtual and physical) with per-employee and per-vendor spend controls, then automates the finance work around them: receipts match to transactions automatically, AI suggests GL codes, the platform flags duplicate or wasteful vendors, and bill pay handles invoice approval and disbursement. It connects to QuickBooks, Xero, NetSuite and Sage. Unusually, its whole model is built around reducing spend rather than driving it with rewards.
Because Ramp earns from interchange, the base product is free with no per-seat fee. The Free plan includes unlimited users and cards, expense management, bill pay, accounting automation and 1.5% cash back on all spend, the same cash-back rate across every tier. Plus is $15/user/month ($12 annually) adding multi-entity management, HRIS integrations, advanced approval workflows, procurement and AI-driven expense review. Enterprise is custom, with international payments and advanced integrations.
Ramp is US-only: it issues cards to companies registered in the US (LLC, C-corp, S-corp or LP) with at least ~$25,000 in a connected US business bank account. As of June 2026, some non-card payment methods carry fees (standard ACH $0.59, checks $1.99, wires $15-20), waived when funded from a Ramp business account.
Unlimited users, cards, expense management and bill pay at $0; Ramp earns via interchange.
Flags duplicate vendors and wasteful spend rather than pushing rewards.
The same cash-back rate whether you're on Free or Enterprise.
Auto receipt matching, AI GL coding and accounting sync.
Best for
Company
Freemium
Free plan available
Web, iOS, Android
Unlimited virtual and physical cards with spend controls.
Automated receipt matching and categorization.
Invoice approval routing and payment.
AI GL coding and sync with major accounting tools.
Flags duplicate and wasteful vendor spend.
Purchase approvals and procurement workflows (Plus).
SlackApprovals and notifications in Slack.$0/month
Unlimited users and cards, expense management, bill pay, accounting automation and 1.5% cash back. Standard ACH is free; some payment methods carry fees from June 2026.
$15/user/month
$12/user billed annually (30-day free trial). Adds multi-entity, HRIS integrations, advanced approvals, procurement and AI expense review; a team-size platform fee may apply.
Custom pricing; contact sales. International payments, advanced ERP integrations and dedicated support.
Pricing model: Freemium
Pricing last verified September 2026
View current pricingStructured information about this product, for people and AI systems.
Ramp is a corporate charge card and finance-automation platform with a genuinely free core, unlimited cards, expense management, bill pay, accounting automation and 1.5% cash back, funded by interchange rather than subscriptions.
Plans: Free ($0), Plus ($15/user/month, $12 annually, multi-entity and advanced workflows) and Enterprise (custom). US-only, requiring ~$25,000 in a connected US business bank account.
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