4.0 (8 Reviews)
Founded in: 2019
Total Funding: $1.4b
Ideal for: Series A to Series C
  • Great expense management controls
  • 1.5% cash back on all purchases
  • Manager spending control tools
  • Integrates with QuickBooks Online, Xero, and more
  • Young company
  • No mobile app yet

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 at least $75,000 in the bank can take advantage of the Ramp card to auto- mate 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. 

• 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. 

• High credit limits. Ramp doesn’t conduct a credit review on applicants, and determines your credit limits based on your startup’s cash balance. That’s handy for startups that are making large equipment purchases, for example. 

• Slack integration. If your startup uses Slack to communicate with employees, Ramp will provide you with alerts and requests for approvals instantly without leaving Slack. This feature isn’t part of the basic Ramp subscription (see below). 

• 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. 

• No fees. Ramp charges no annual fee. It’s worth noting that Ramp is a charge card, not a credit card, and must be paid in full each month. However, that means you won’t be charged interest or late fees. 

• 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 basic Ramp card is free, but there are additional subscription levels that startups can choose based on their individual requirements:

• Essential. This level is free and includes most features, like rewards and savings suggestions. 

• Platform. At $7 per user per month, this level provides category-specific spending controls, Slack integration, multiple-step spending request approvals, and more. 

• Enterprise. This level is custom-priced and includes a dedicated account manager, quarterly spending audits, and a Ramp negotiator who will work with vendors to obtain better pricing. 

The Ramp card is a good solution for a growing startup that wants to review and monitor expenses without going through purchases and receipts manually. Its cash-back feature is simple and the robust expense management software gives small companies an easy way to streamline expense tracking and reimbursement, while providing spend analysis that could save your startup thousands. As your company expands you can investigate the higher subscriptions tiers, but the free plan includes features that help you save money and importantly, your time. If you have questions about expense management for your startup, please contact us.


Eligibility Corporations or LLCs with at least $75,000 in the bank
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
Rewards on Spending Yes, 1.5% back on purchases
Business Perks and Benefits Over $300,000 in exclusive deals, discounts, and offers from Ramp partners



Overall Rating
4.0 (8 Reviews)

Ramp Feature Ratings

Startup Centric Rewards
Spending Limit
Easy Bookeeping
Controlled Spending
Online Interface
Customer Service
Ramp Reviews
✓ Verified Reviewer

Financial Planning & Analysis

The Ramp card gives the founders good control over their team's spending.

4 of Stars Given by Christopher
✓ Verified Reviewer

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.

3.4 of Stars Given by Bryan
✓ Verified Reviewer

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.

4.7 of Stars Given by Edith
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