Ramp
$0/mo est.
- Card type
- Charge
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- $25,000 cash
- Est. fees /mo
- $0/mo
Ramp
Corporate charge card on the Visa network, paid in full, with free spend management software and a paid plan that adds ERP sync and multi-entity support.
Best for
Registered US companies holding a meaningful cash balance that want a free corporate card with expense software and no personal liability for the owner.
- Purchase APR
- Pay in full, no interest
- Annual fee
- $0
- Card type
- Charge
- Personal guarantee
- No personal guarantee
How Ramp compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Airwallex Corporate Card
$0/mo est.
- Card type
- Debit (spends your balance)
- Purchase APR
- Not applicable
- FX fee
- None
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Mercury IO
$0/mo est.
- Card type
- Charge, cash-underwritten
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Relay Visa Credit Card
$0/mo est.
- Card type
- Charge
- Purchase APR
- Not published at source
- FX fee
- Not published at source
- Personal guarantee
- Not published at source
- Minimum to apply
- $50K/mo revenue, or $20K/mo plus $25K cash
- Est. fees /mo
- $0/mo
Strengths and trade-offs
Pros
- Charge card with no annual fee and no interest
- No personal guarantee and no personal credit check
- Unlimited physical and virtual cards on every plan
- Links the bank account you already have, with no Ramp account needed to apply
- The free plan syncs to QuickBooks Online and Xero
Cons
- Sole proprietors and unregistered businesses cannot apply
- Requires a minimum cash balance in a linked US bank account just to apply, with no revenue alternative
- NetSuite, Sage Intacct and multi-entity need the paid Plus plan
- Plus adds a platform fee that Ramp does not quantify
- Its comparison page lists no foreign transaction fee, but its card terms charge a currency conversion fee on foreign spend
About Ramp
Ramp is a financial technology company whose corporate card is a charge card: the balance is paid in full and no interest is charged. The Ramp Visa Corporate Card is issued in the United States by Celtic Bank, and Ramp names further partner banks for its other card products.
The card and its spend software are free on the base plan, which syncs to QuickBooks Online and Xero. The paid Plus plan is priced per user and adds NetSuite, Sage Intacct and multi-entity support, plus a platform fee based on team size that Ramp does not quantify, so its published price is a starting point.
Eligibility is narrow by design. Ramp accepts corporations, LLCs and limited partnerships registered in the United States, excludes sole proprietors, and asks for a minimum cash balance in a linked US business bank account before it will consider an application. It asks for no personal guarantee and runs no personal credit check.
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