Ramp
A free corporate card that does your expense reports and pays your bills.
What is Ramp?
Ramp is a corporate card paired with software that handles expense reports, bill pay, vendor management, and accounting sync. The business model is unusual: the software is free because Ramp earns interchange every time you swipe the card, which is why they actively help you cut spend instead of grow it. Used heavily by US-based startups and mid-market companies on QuickBooks, Xero, NetSuite, or Sage Intacct.
Knowledge bases, internal search, operations, data, finance, HR, and back-office tools with AI workflows.
See the full Knowledge & Ops guide to compare more tools, buyer criteria, and related workflows.
Use cases to evaluate
Issuing virtual and physical cards to employees with per-vendor and per-category limits
Auto-categorizing receipts via SMS, email, or Slack to kill expense reports
Paying vendor invoices via ACH for free and syncing line items to QuickBooks or NetSuite
Spotting duplicate SaaS subscriptions and underused seats across the company
Fit to evaluate
US startups and SMBs with 10-500 employees and accounting in QuickBooks or NetSuite
Finance teams replacing Expensify plus Bill.com plus a legacy AmEx setup
Founders who want spend controls without writing a policy doc
Companies tracking budgets by department or project in real time
Business fit
Right for you if you're a US company with employees expensing things, vendor bills to pay, and an accountant tired of chasing receipts. The Free plan genuinely works for most teams under ~50 people. Skip it if you operate primarily outside the US (card issuing in local currency is Enterprise-only), if you need a revolving credit line (Ramp is charge-card, paid in full each cycle), or if you're a pre-revenue solo founder with no real spend volume. The 1.5% cashback is good, not best-in-class versus rewards cards, so don't pick Ramp for the points.
How to evaluate Ramp
Use this category when operational data, policies, tasks, or internal requests are spread across disconnected systems.
Confirm the exact workflow
Map Ramp to one concrete workflow first, such as issuing virtual and physical cards to employees with per-vendor and per-category limits. Avoid buying before the owner, trigger, output, and success metric are clear.
Check category fit
Compare internal search, permissions, workflow support, and reporting.
Compare practical alternatives
Shortlist Ramp against Glean, Guru, Slite so the decision is based on fit, effort, and workflow ownership rather than brand recognition alone.
Validate cost and rollout effort
Free plan is $0/user/month and includes unlimited cards, expense management, basic bill pay, and accounting integrations. Plus is $15/user/month (20% off annually) and adds AI expense reviews, advanced ERP integrations (NetSuite, Sage Intacct), real-time budgets, and custom roles. Enterprise is custom pricing with annual billing and adds Workday/Oracle integrations, local-currency card issuing in 30+ countries, and a dedicated CSM. Ramp earns its money on interchange, so most small teams never pay anything. Also confirm implementation time, support needs, and whether the medium setup matches your team.
Compare Ramp with alternatives
Use this quick comparison before booking demos or moving data into a new system.
| Primary workflow | Issuing virtual and physical cards to employees with per-vendor and per-category limits, Auto-categorizing receipts via SMS, email, or Slack to kill expense reports |
|---|---|
| Best-fit team | US startups and SMBs with 10-500 employees and accounting in QuickBooks or NetSuite, Finance teams replacing Expensify plus Bill.com plus a legacy AmEx setup |
| Implementation effort | Medium setup and maintenance profile |
| Pricing check | Free plan + paid plans |
| Closest alternatives | GleanGuruSliteSlab |
Ramp pricing
| Model | Free plan + paid plans |
|---|---|
| Snapshot | Free plan is $0/user/month and includes unlimited cards, expense management, basic bill pay, and accounting integrations. Plus is $15/user/month (20% off annually) and adds AI expense reviews, advanced ERP integrations (NetSuite, Sage Intacct), real-time budgets, and custom roles. Enterprise is custom pricing with annual billing and adds Workday/Oracle integrations, local-currency card issuing in 30+ countries, and a dedicated CSM. Ramp earns its money on interchange, so most small teams never pay anything. |
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Common questions about Ramp
What is Ramp?
Ramp is a corporate card paired with software that handles expense reports, bill pay, vendor management, and accounting sync. The business model is unusual: the software is free because Ramp earns interchange every time you swipe the card, which is why they actively help you cut spend instead of grow it. Used heavily by US-based startups and mid-market companies on QuickBooks, Xero, NetSuite, or Sage Intacct.
What is Ramp used for?
Common use cases: Issuing virtual and physical cards to employees with per-vendor and per-category limits; Auto-categorizing receipts via SMS, email, or Slack to kill expense reports; Paying vendor invoices via ACH for free and syncing line items to QuickBooks or NetSuite; Spotting duplicate SaaS subscriptions and underused seats across the company.
How much does Ramp cost?
Free plan is $0/user/month and includes unlimited cards, expense management, basic bill pay, and accounting integrations. Plus is $15/user/month (20% off annually) and adds AI expense reviews, advanced ERP integrations (NetSuite, Sage Intacct), real-time budgets, and custom roles. Enterprise is custom pricing with annual billing and adds Workday/Oracle integrations, local-currency card issuing in 30+ countries, and a dedicated CSM. Ramp earns its money on interchange, so most small teams never pay anything.
Who is Ramp best for?
Ramp fits US startups and SMBs with 10-500 employees and accounting in QuickBooks or NetSuite, Finance teams replacing Expensify plus Bill.com plus a legacy AmEx setup, Founders who want spend controls without writing a policy doc, Companies tracking budgets by department or project in real time. Right for you if you're a US company with employees expensing things, vendor bills to pay, and an accountant tired of chasing receipts. The Free plan genuinely works for most teams under ~50 people. Skip it if you operate primarily outside the US (card issuing in local currency is Enterprise-only), if you need a revolving credit line (Ramp is charge-card, paid in full each cycle), or if you're a pre-revenue solo founder with no real spend volume. The 1.5% cashback is good, not best-in-class versus rewards cards, so don't pick Ramp for the points.
What are alternatives to Ramp?
Common alternatives to Ramp include Glean, Guru, Slite, Slab, Tettra, Sana.