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Ramp Card Review 2022

If you're a growing business in need of a charge card and a cost-cutting tool, then Ramp Card could be a good option for you. 

Let's dive into a more detailed look into Ramp to see how it stacks up against other finance automation platforms.

What is a Ramp Card?

Ramp is a finance automation platform designed to save you time and money. It offers a range of fintech services such as corporate cards, expense management, bill payments, accounting automation, and reporting—all in one easy-to-use and free solution. 

With this unique approach to financial services, Ramp has quickly become America’s #1 rated and fastest-growing corporate card. Businesses that use Ramp have claimed to have saved on average 3.3% in year one compared to those who don’t. They close their books 86% faster every month with end-of-month close time typically reduced to just 2 hours.



Ramp provides a plethora of useful tools to businesses at no cost.

That means you don’t have to pay common fees such as:

  • Setup fee
  • Annual Fee
  • Interest fees
  • Replacement fees
  • Late fees
  • Employee card fee
  • Foreign transaction fee

The usage of Ramp's expense management software and additional features, such as spend controls, are also free of charge.

Who Qualifies to Open The Ramp Card?

The Ramp card is intended for corporations, limited liability companies (LLCs), and other non-profit businesses registered in the United States. 

Because Ramp works with corporations, no personal guarantee is necessary throughout the approval procedure. Instead, Ramp examines your company's cash balance, cash flows, and other financial health indicators. Ramp claims that their card provides 10-20x greater limitations.

It is important to note that if you are an individual, a sole proprietor, or operate an unregistered business, you will not be qualified to apply for Ramp.

In addition to these fundamental requirements, Ramp requires businesses to have at least $75,000 in their bank account.


Key Features of Ramp Card

Annual Fee: $0
Intro Bonus:
Spend Multipliers:

  • Earn 1.5% cashback on every purchase
  • Get up to $175,000 on savings and discounts in partner awards

Ramps Features:

  • NEW! Business travel solution
  • No personal guarantee required
  • Unlimited physical and virtual cards
  • Card Controls
  • Visa Benefits Package
  • Spend Tracking
  • Bill Payment
  • Account Automation
  • Expense Management
  • Real-time Reporting

Ramp comes with a few extra features, including:

  • Slack Integration: Ramp's bot allows businesses to request, evaluate, and issue expenditure from within Slack.
  • HRIS Interface: Ramp includes connections with a variety of HR services, such as BambooHR, Rippling, Hibob, Justworks, and Gusto, allowing customers to automate onboarding, simplify cardholders at scale, and sync employee records.
  • Out-Of-Pocket-Reimbursement: Ramp offers a one-click reimbursement platform for out-of-pocket expenses.
  • Accounting Features and Integrations: In addition to a built-in account suite, Ramp connects with QuickBooks, Xero, NetSuite, and Sage Intacct.
  • Spend Request Tools: Employees can submit spend requests by email, Slack, or SMS.
  • Business Travel Solution: Ramp’s new business travel feature enables you to build your own expense policy, earn an unlimited 1.5% for your employees’ booked travel, and sync real-time transactions.
Ramp key features

Who Should Consider Using Ramp

You should consider using Ramp if you’re availing a Voluntary Provident Fund (VPF) wanting to have more visibility into your expenses in real-time and for greater finance team productivity.

Ramp’s embeddable expense policies on cards, integrated bill payments, centralized reporting, and other intuitive features makes it suitable for controllers.

If you have an accountant team who are looking to have direct integrations for popular accounting software like QuickBooks to do more automation of manual tasks such as receipt collection and expense categorization. 

With its smart cards and automatic receipt matching, cardholders can also benefit from Ramp to get simplified budgets and reporting while earning 1.5% cash back on all purchases.

How Does Ramp Card Stack Up with Other Competitors?

Before deciding whether to apply for a Ramp card, it’s a great idea to compare Ramp to its top rivals. So far, this is what we know.

Ramp vs Other Corporate Credit Cards

Corporate Card

Annual Fee

Interest Rate

Intro Bonus






1.5% cash back on all purchases

Receipt collection

Up to $175,000 savings on partner awards

Real-time expense tracking

NEW! Business travel solution

No personal guarantee required

Unlimited physical and virtual cards

Card Controls

Visa Benefit Packages such as Fraud Protection and Zero Liability Protection

Bill Payment

Account Automation

Expense Management

HRIS Integration




Up to 10,000 bonus points with $3,000 spending within 3 months when you link to Brex cash

10X to 20X higher limits:

-8X points on rideshare

-5x on Brex Travel

-4x on restaurants

-3x on recurring software

-1x on everything else

Redeem points for cash, gift cards, a statement credit, and more.

1:1 point per mile transfers with travel partners

Consulting agency and accounting concierge service

Partner perks worth over $150,000.

Up to $100,000 credits via AWS Activate, besides $25,000 AWS credits for all new Brex customers

Built-in expense tracking

Earn 3x back on eligible Apple purchases

40% off your first 12 months of QuickBooks.

Earn up to 5x points on Brex Travel





1X to 7X points on all purchases

Redeem more on travel rewards, gift cards, a statement credit, and cash back

Up to $25,000 AWS Credit

$150 Off on Google Ads

$15 Off on FedEx print order

$50 off Costco's new membership

20% off annual MilelQ subscription

$50 Off on new phone purchases in Verizon

$10 off your first Lyft Ride

20% discount on TSheets for the first 3 months

20% discount on your first-year Carta subscription 

$20 off to all Adobe CC apps

Up to $25 Off on Avis Car Rental

10% off on Vistaprint with free shipping on the first order of $50 or more

30-day free trial on DeskPass & 20% off the first year at over 600 coworking spaces.

25% off on your first-year subscription to Gusto

$5 off your first 3 orders on Uber Eats

$12 off purchases of $15 or more on Grubhub

$200 account credit on BambooHr

Up to $25 off on Enterprise Rent-A-Car plus get a free single upgrade

No annual fee

Automatic Integration

Control and real-time spend tracking






1.5% cash back on all purchases

No annual fees, no foreign transaction fees, and no late fees

$5000 AWS credit

25% off Slack for 12 months

50% cash back up to $5000 with Notion

6 months free


$150 in Google Ads credit

30% off for first year HubSpot subscription, 15% off after that

$2000 in credit on AirTable for up to 5 users for 20 months

Access to Launch, Carta, and 20% off + waived implementation fees

3 months free Gusto and InVision

30% off on Bench purchases for 3 months

20% of Pilot Core for 6 months

2 years of free Gem for more than 15 teams

Waived Guideline fees for 3 months

5% cash back on Kasa for up to $500 per month

50% off on Expensify for 6 months

5% cash back on Snapchat for up to $5000

50% cash back up on 1Password for up to $5000

6 months of free Rippling

Custom spending control

Ramp vs Other Expense Management Software

Here’s how Ramp stacks up against other expense management software.

Competitive landscape


The Ramp card might be great for a growing business that wants to cut its expenses down but lacks the time or bookkeeping capacity to go over each transaction to ensure that spending is streamlined. 

The card's associated software provides you the power of a finance team without the additional personnel costs; this alone might save you a lot of money. Furthermore, the straightforward cash-back system, as well as the savings and promotions, are enticing.


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