Pros:
- Great expense management controls
- 1.5% cash back on all purchases
- Manager spending control tools
- Integrates with QuickBooks Online, Xero, and more
Cons:
- No cash/checking account feature
Last updated: June 2026, to reflect current Ramp pricing, plan names, and key card terms.
Ramp Review and Product Details
The Ramp corporate card is designed for small businesses and it’s particularly useful for funded startup companies. Corporations or limited liability companies (LLCs) with healthy cash balances (typically at least around $75,000 in the bank) can take advantage of the Ramp card to automate expense tracking and earn 1.5% cash back on purchases.
What benefits does Ramp offer startups?
Ramp offers startup founders some significant advantages. Let’s review some of them:
• No personal guarantee. Founders are not personally liable for charges made on their Ramp cards, which is a big benefit. Building a startup company can be financially precarious, so you need to separate your business from your personal assets.
• Cash back on every purchase. You’ll get 1.5% back for charges on your Ramp cards. These rewards apply to all cards used by your startup, and they can add up over time. If you regularly charge $25,000 every month to your cards, you’ll get $4,500 back in rewards after a year. For startups watching every penny, that’s important.
• Start free. Ramp’s core card offering is available on a Free plan with no annual or monthly platform fee, and most early‑stage startups never outgrow this tier. As your company scales, you can upgrade to Ramp Plus or Ramp Enterprise to unlock more advanced controls and integrations, but our experience is that the majority of seed and Series A startups stay on the Free plan for quite a while.
In general, you’re more likely to need a paid plan once you’re on larger ERPs (like NetSuite) or have complex approval workflows and custom reporting needs; QuickBooks startups typically get everything they need from the Free tier.
• Expense management tools. You can track, review, and manage employee spending through Ramp’s cloud-based expense management software, which lets you track spending patterns and identify areas to cut expenses, like duplicate subscriptions. The solution allows you to provision unlimited virtual cards for employees, provides real-time reporting, sends alerts for suspicious charges, collects and matches receipts, and integrates with most accounting systems, including Quickbooks. Spending limits can be set based on your startup’s expense policies. We include them on our list of best credit cards for startups in a large part due to how good this feature is.
• High credit limits. Ramp does not require a personal credit check or personal guarantee; instead, it sets limits based on your startup’s cash balance, revenue trends, and overall financial profile. That’s particularly helpful for funded startups that need higher limits for large equipment purchases, SaaS contracts, or ad spend.
• Slack integration. If your startup uses Slack, Ramp can send alerts, approval requests, and receipt reminders directly into your channels, which speeds up expense reviews. Some of the more advanced Slack workflows and multi‑step approvals are reserved for Ramp Plus and Enterprise plans.
• Fast setup. Ramp says that cards can be set up in less than 15 minutes, which is useful for founders who are pressed for time and need an expense management solution quickly.
• Transparent fees. Ramp charges no annual fee on the corporate card, and because it’s a charge card that must be paid in full each month, you don’t accrue interest in the traditional credit‑card sense.
As of late 2025, the main card‑related fee to watch is a 3% foreign transaction (currency conversion) fee on purchases in non‑USD currencies. Ramp may also charge separate fees for certain non‑card services, like same‑day ACH, international bill payments, or 1099 filings, so your finance team should be aware of those when comparing providers.
• Travel platform. Ramp for Travel lets you create travel policies for employees and set automatically enforced limits. You can view and address out-of-policy spending in real time.
How is Ramp priced?
Reviewing Ramp subscription levels
The Ramp corporate card is available on a Free plan with no annual fee or base platform charge, and most early‑stage startups get full value from this tier. For companies with more complex needs, Ramp offers paid plans with additional controls, integrations, and customization.
• Free. This plan has no monthly fee and includes core features like the corporate card, 1.5% cash back, expense management, basic policy controls, card‑level limits, accounting integrations (including QuickBooks), and vendor‑level insights.
• Plus. As of late 2025, Ramp Plus is priced at $15 per user per month, plus a platform fee that scales with your team size. It adds more advanced features such as enhanced approval workflows, granular and category‑based spend controls, more flexible policy configuration, additional analytics, and deeper integrations for larger finance stacks (including NetSuite).
• Enterprise. Ramp Enterprise is custom‑priced and designed for larger organizations that need highly configurable policies, advanced security and compliance (including more robust SOX support), dedicated customer success, and tailored implementations.
In our Kruze client base, only a small minority of startups end up on Plus or Enterprise; most seed and Series A companies comfortably use the Free plan for several years before they outgrow it.
A strong option for startups
The Ramp card is a strong option for growing startups that want to monitor spend without manually reviewing every receipt. Its simple 1.5% cash‑back rewards and robust expense management tools help streamline tracking and reimbursements, while spend analytics can surface savings opportunities that add up quickly for venture‑backed companies.
As your company scales, you can evaluate Plus or Enterprise plans, but most early‑stage startups get everything they need from the Free plan. If you have questions about expense management for your startup, please contact us.
RAMP CARD REVIEW AT A GLANCE
| Feature | Details |
|---|---|
| Eligibility | Corporations or LLCs with strong cash balances (often around $75,000) that have business bank accounts. No personal check or guarantee. |
| Personal Guarantee Required | No personal guarantee |
| Provision Employee Cards | Yes, you can provision employee cards and set spending limits |
| Expense Tracking and Accounting | Yes, you get robust expense management that connects to most accounting systems |
| Bill Pay | New bill pay feature helps consolidate spend management systems into Ramp. Some international or expedited payments may carry separate fees. |
| Rewards on Spending | Yes, 1.5% flat-rate cash back on purchases |
| Business Perks and Benefits | Over $300,000 in exclusive deals, discounts, and offers from Ramp partnerFs |
| Fees | No annual fee. 3% foreign transaction fee. Separate fees for some payment services including international bill pay, same-day ACH, and 1099 filings. |
ACCOUNTING TEAM’S RAMP REVIEWS
Ramp Feature Ratings
Controller
Ramp is easy to use, and the sync works well with QuickBooks Online. Startups are very happy with it.
Senior Accountant
Lots of policy features/virtual cards for specific spending.
Controller
Syncing transactions into QuickBooks Online, reconciling the account, and tracking receipts are all great.
Financial Planning & Analysis
The Ramp card gives the founders good control over their team's spending.
Accounting Manager
In my opinion, the Ramp card is a good choice because it offers great spend control, easy accounting and doesn't require a personal guarantee.
Onboarding Manager
Ramp's interface is very intuitive and easy to navigate. Their QBO integration is also great and saves us a lot of time as all that is required on our end is to sync the transactions for the month, review their auto categorizations, and reconcile the account. Ramp also allows you to set rules for vendors, so if their auto categorization isn't picking up on a specific nuance about a vendor, you can set a rule to map to the correct account.