Last updated on March 2nd, 2023
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At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
Ramp CardTerms & Conditions
Ramp Card Review
The Ramp Card is a business credit card that offers big credit limits and no hidden fees. Ramp is the finance automation platform designed to save time and money.
The Capital You Need to Grow
The Ramp corporate card differs from a traditional business card in that it provides up to 20X the capital of a standard card. Unlike other cards, Ramp doesn’t require a personal credit check or personal guarantee to receive. Instead, Ramp determines credit limits based on the drawable reserves in the bank accounts linked to Ramp.
The result is credit limits between 10X to 20X times higher than what companies would receive elsewhere. The higher credit lines with Ramp provide the flexibility companies need to invest in the success and growth of the business, regardless of what that means. Even better, the lack of a personal guarantee means cardholders won’t be held responsible in the event of insolvency.
The Ramp corporate card is more than just a credit card. Instead, it is a 5-in-1 tool for businesses that want streamlined financial reporting. Ramp provides an impressive suite of accounting tools to ensure companies get the most out of their corporate card. Ramp offers seamless integration with QuickBooks, Xero, Sage, Slack, NetSuite, and more.
These features include the ability to control spending through market-precise controls that let account managers block single merchants or entire categories, near-instant receipts in under 30 minutes, powerful automation, and hyper-accurate AI to help process hundreds of invoices in just seconds. Ramp also allows account managers to adjust the spending power of each card, providing a level of control not found with many other corporate cards. You can even pay employees back in one click with next-day reimbursement.
Ramp Savings Insights
Account administrators also have access to Ramp Savings, a helpful tool that identifies areas where the company can save more. Ramp’s technology analyzes your company’s spending data and identifies ways to help companies save by eliminating duplicate subscriptions, identifying supplier price increases, or helping to maximize cash back earnings. Ramp’s Savings tool also provides visibility into spending trends across the entire business, providing a big-picture view of upcoming payments and helping accurately predict future spending.
Earn Unlimited Cash Back Rewards
The Ramp corporate card offers an unlimited, accelerated cash back rewards program. Businesses earn unlimited 1.5% cash back on all eligible purchases, with no confusing bonus categories or aggravating rewards caps. Rewards are easily redeemable for statement credits through the Ramp interface. Simply log in and request a statement credit.
The 1.5% back is less than the rewards found with Divvy, but the Divvy Card’s rewards structure is much more confusing. For example, Divvy staggers rewards based upon repayment schedule, with shorter payment cycles returning greater rewards. This process may cause confusion, which Ramp avoids.
Like Divvy, Ramp is big on features but light on fees. In fact, there are no fees involved with the Ramp corporate card.
Ramp charges no annual fee, no foreign transaction fees, and no interest on purchases. Because Ramp is a charge card, companies must repay the balance monthly. Ramp also offers complimentary employee cards, so it’s even easier to spend – and earn rewards – no matter where business takes you.
Other Card Features
Other notable features of the Ramp corporate card include:
- Visa Signature Business benefits, including Roadside Dispatch, Zero Fraud Liability, Auto Rental Collison Damage Waiver, lost luggage reimbursement, and more.
- Virtual support for Google Pay and Apple Pay
- Custom-branded employee cards at no additional cost
- Set up in as little as 15 minutes
Should You Apply for the Ramp Card?
The Ramp corporate card program packs a serious punch. A dizzying array of software integrations matches the impressive credit limits in providing the tools companies need to grow.
For companies that prioritize accounting and spend management, the Ramp program is a must, providing seamless integrations for all the leading expense management services. Ramp is more than just spend tracking, however. The program’s Ramp Savings is an excellent addition that studies your company’s spending and finds ways to save.
If Ramp shines in account management, it lacks in rewards. Both Divvy and Brex provide greater rewards, with Brex offering travel perks as well. Still, the 1.5% back with Ramp is sufficient and should help companies further save money.