Editor’s note: This is a recurring post with regularly updated card details.
Ramp Credit Card is a corporate charge card that comes with a robust expense management system and several useful features. It offers unlimited physical and virtual cards and lets you earn 1.5% cash back on purchases without caps or category restrictions. It doesn’t charge annual or monthly fees, and you can get up to a 20x higher credit limit compared to most other business credit cards.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
When grading corporate charge cards like the Ramp Card, we first consider its introductory and ongoing rewards, as well as its expense management system. We also take into account the fees and its other features.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Introductory Rewards | 0 | 25 |
| Ongoing Rewards | 20 | 25 |
| Expense Management System | 25 | 25 |
| Fees | 15 | 15 |
| Other Features | 10 | 10 |
| Total Score | 70 | 100 |
Who the Ramp Card Is Best For
- Businesses that use Ramp as their primary financial management tool: If you are using Ramp as your primary financial management tool, this card may be beneficial for your employees because of its 1.5% fixed-rate cash back rewards on purchases. Check out our Ramp review to learn more about the platform’s features, pricing, and alternatives.
- Companies that meet the qualification requirements: To qualify for Ramp, your company must:
- Be registered in the United States
- Be registered as a corporation, limited liability company (LLC), or limited partnership (LP). Nonprofits are also welcome, but individuals, sole proprietors, and other types of unregistered businesses are not eligible
- Have at least $25,000 in cash in any United States business bank account linked to your application
- Have most of your operations and corporate expenses in the US
See our recommended alternatives below if this card isn’t the best fit for your business. Alternatively, you may also read our guide to the best small business credit cards for other options.
Ramp Card Rewards
- Up to 1.5% cash back on purchases, regardless of spending categories
- More than $350,000 in partner rewards—including discounts from Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others.
Ramp Card Rewards Calculator
You can use our calculator to compute the potential rewards you might earn from using the Ramp Card. Just input your projected monthly spending and let our calculator do the rest.
Ramp Credit Card Calculator
<p><span style="font-weight: 400;">Enter your average monthly credit card spending to find your potential annual rewards value for this credit card.</span></p>
Your potential monthly reward earnings are:
How To Redeem Ramp Card Rewards
Cardholders can redeem their rewards as a statement credit. To redeem it, log in to your Ramp account and go to your business overview page. Go to Payments and Manual Payment to redeem your cashback. You can contact rewards@ramp.com for more information.
Ramp Credit Card Features
Visa Benefits
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 (if you are in the US) or (303) 967-1093 (if you are outside of the US) for emergency assistance.
- Auto rental collision damage waiver: Get reimbursed for damages caused by theft or collision up to the actual cash value of most rented cars if you use a Ramp card for renting a car and deny the insurance provided by the car rental company. You will be covered for a rental period of 31 consecutive days.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Exclusive Partner Discounts
- Gusto: 33% off your Ardius R&D Tax Credit fees
- QuickBooks: 30% off for 12 months
- Accelerate Tax: Free, no-obligation Employee Retention Credit (ERC) consultation and capped fees
- Funding Circle: Receive discount on origination fees
- Clear Haven: Discounted management fee with no minimum requirements
- Vesto: 30% off fees for the first $1 million in deposits
- Capchase: 10% off your financing rate
- LiveOak Bank: $1,000 off closing costs
- 1Password: 25% off your first year
- UPS: Up to 50% each time you ship your products
- AWS: Up to $5,000 in credits
- Rippling: 10% off of all Rippling products
- QuickBooks Workforce: 30% off for 12 months plus 15% off for each employee
- Zendesk: Get six months free of using Zendesk Suite and Zendesk Sales CRM
For a full list of partner benefits, visit Ramp perks.
Account and Card Management
- Unlimited corporate cards: Both virtual and physical.
- Fast and efficient bill payments: With multilevel approvals and unlimited AI invoice transcripts.
- User-friendly insights and reporting: Where all of your expenses can be tracked in one dashboard, offers automated savings insights and real-time visibility into data.
- Automating almost all of your accounting tasks: With direct integrations to QuickBooks, NetSuite, Xero, and Sage Insight
Ramp Credit Card Fees
- Annual fees: $0
- Foreign transaction fees: None
- Autopay: You can set up autopay by logging in to your Ramp account. Ramp requires you to make early payments if you have exceeded the limit of the entire business before your statement period ends.
- Manual through Ramp online: Log in to your Ramp account and go to the Transactions tab. Click the “Payments” button at the right-hand side of your screen and follow the prompts to make your early payment.
Ramp Credit Card Alternatives
Brex Card
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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| Spending Limit | Load Limit |
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| Costs | |
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| reviewlink | Apply Now |
When To Consider Brex Card
- If you want the option to pay daily or monthly: Brex can be used as a charge card or a prepaid card—you have the option to pay your balance on a monthly basis, or have your transactions deducted directly from your Brex Business account balance.
- If you want to earn points rewards with flexible redemption options: You can earn up to 7x to 8x points (depending on expense categories and payment frequency). You can redeem these points for statement credit, gift cards, flights and hotels booked via Brex Travel, cash back, cryptocurrency, and more.
Other Benefits
- Doesn’t charge annual fees
- Reports your transactions to business credit bureaus to help you build business credit
- Doesn’t require personal guarantee
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
When To Consider the U.S. Bank Triple Cash Rewards Visa® Business Card
- If you need an interest-free financing option: You can make a large purchase without paying interest for the first 12 billing cycles—this is one of the longest offers available in business credit cards.
- If you have recurring software subscriptions: You’ll earn a $100 statement credit every year to cover your recurring software subscriptions.
Other Benefits
- Does not charge an annual fee
- Offers up to 5% cash back depending on expense categories
- Lets you earn a welcome bonus of $750 when you spend $6,000 in the first 180 days of account opening
- Features ExtendPay Plan, which lets you divide your eligible balance into monthly installments without interest—just a small monthly fee
Emburse Spend Card
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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| Spending Limit | Load Limit |
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| Costs | |
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| Read our review of the Emburse Spend Card | Apply Now |
When To Consider Emburse Spend Card
- If your company has sufficient cash on hand and doesn’t want to acquire debt: Emburse Spend Card is a prepaid card, which means it needs to be prefunded before you can use it for your business expenses. Your transactions will deduct from your card balance directly, and you won’t acquire debt on your expenses.
- If you don’t need to build personal or business credit: Since it is a prepaid card, your transactions are not reported to consumer or business credit bureaus. This means your card transactions won’t adversely affect or help build your personal or business credit scores.
Other Benefits
- Lets you earn 1% cash back on all purchases, regardless of spending categories
- Doesn’t charge annual or monthly fees
- Comes with a streamlined platform that lets you control employee spending and monitor your expenses seamlessly
Frequently Asked Questions (FAQs)
To qualify for Ramp, you need to be a registered business in the United States, with most of your operations and expenses in the U.S. You also need to have at least $75,000 in your U.S. business bank account that will be linked to your Ramp card. Ramp requires you to provide your employer identification number (EIN) as part of the application requirements.
Ramp is a corporate charge card. Unlike regular business credit cards, charge cards require that you pay your entire balance on or before the due date. Since you do not have the ability to carry your balance to the next billing cycle, no interest is charged.
No, your personal credit score will not be affected when you apply for a Ramp card.
Bottom Line
Consider the Ramp Credit Card if you meet the qualification requirements and if you use the Ramp system as your main financial management tool. It offers a welcome bonus of $250 upon approval when you apply using the link found on this page. Plus, it also lets you earn 1.5% fixed-rate cash back rewards on all categories, with no category and spending restrictions. On top of that, you can take advantage of premium partner benefits which can help your business save on costs. Note that you need to pay your balances in full each month.
