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Ramp Card: Unlimited 1.5% Cash Back and Up to 20X More Credit

Cory Santos

| Last updated on January 10th, 2024

Ramp Card

Ramp Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair / Poor
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Ramp Card

  • See Terms Regular Purchase APR

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 Card Review

The Ramp Card is a business credit card that offers big credit limits and no hidden fees. Ramp is a finance automation platform designed to save time and money.

What is Ramp?

Ramp is a fintech business platform to help businesses manage time and money better. Ramp utilizes a proprietary 5-in-1 platform combining the best spend management, software integrations, up-to-the-minute real-time reporting, bill payments, and corporate credit cards. According to Ramp, the Ramp Card and automation platform saves companies an average of $5,000 annually.

How to Get Ramp

Getting the Ramp Corporate Card and spend management platform is simple. And because there is no credit check with Ramp, there is no minimum credit score requirements.

Ramp Card Qualification Requirements

Here’s who qualifies for Ramp Card:

  • Businesses registered in the United States
  • Must be a corporation, limited liability company, or LP (nonprofits welcome). Ramp does not accept individuals, sole proprietors, or other unregistered businesses to apply.
  • Have at least $75,000 in cash in any U.S. business bank account linked to your application.
  • Have most of your operations and corporate spending in the U.S.
  • Have a business e-mail address (Ramp does not accept non-business email addresses).

When applying for Ramp Card, you must provide basic information about your company’s finances and personal information for identification purposes. Expect to submit your passport information and proof of address through pay stubs, mortgage and banking statements, pay stubs, or utility bills. All applicants must provide an employer identification number (EIN) as part of the application.

Other information you will need to provide when applying for Ramp include:

  • Monthly business card spend: Ramp requires applicants to provide information about the last three to six months of your company’s business credit card spending (if applicable). Note: This expenditure does not include payments made via ACH, check, or wire.
  • Corporate formation information: Be prepared to provide information relating to your company’s formation and its EIN. This information is found in Articles of Incorporation, tax documents, and loan applications. Your EIN can be found on old tax returns and business loan applications.
  • Bank account details: Ramp bases credit lines on cash flow through linked business accounts. A bank connection lets Ramp speed up its underwriting decisions thanks to real-time visibility into your cash balance and lets us make statement payments for your card balance.

How Does Ramp Work?

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.

5-in-1 Platform

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 can also access Ramp Savings, a helpful tool identifying 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 1.5% Cash Back

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 login and request a statement credit.

The 1.5% back is less than the rewards found with Bill (formerly Divvy), but the Bill Divvy Corporate Card’s rewards structure is much more confusing. For example, Bill-Divvy staggers rewards based upon repayment schedule, with shorter payment cycles returning greater rewards. This process may cause confusion, which Ramp avoids.

No Fees

Like the Bill Divvy Corporate Card, Ramp is big on features but light on fees. 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:

  • Virtual support for Google Pay and Apple Pay
  • Custom-branded employee cards at no additional cost
  • Set up in as little as 15 minutes

The Ramp Card also provides Visa Signature Business benefits, including Roadside Dispatch, Zero Fraud Liability, Auto Rental Collison Damage Waiver, and lost luggage reimbursement.

Corporate Charge Card Comparison

Ramp Card Brex Mastercard® BILL Divvy Corporate Card
Annual Fee $0 $0 $0
Payment Network Visa Mastercard Visa
Rewards Earn unlimited 1.5% cash back on every purchase Earn 7X points on rideshares, 4X through Brex Travel, 3X on dining, 2X on recurring software, and 1X on all other purchases Earn up to 7X points on dining, 6X on hotels, 2X on recurring software, and 1.5X on all other purchases with weekly payments (see review for full details)
Designed for SMBs? Yes No Yes
Personal guarantee? No No No
Employee cards Free Free Yes
ACH payments $0 $0 $0
Easy bookkeeping? Yes Yes Yes

Ramp Card Pros & Cons

Pros Cons
No personal guarantee required Must pay balance in full each month
Up to 20X the typical credit line Rewards aren’t spectacular
Superior software management No sign-up bonus
No annual fee Requires $75k+ in US bank account to open

What We Like About Ramp Card

There’s plenty to like about Ramp. There are no hidden fees, for instance, meaning you’ll pay no annual fee for card membership, and no foreign transaction fees when using the card abroad.

Adding to the relatively low cost of owning the card are the simple yet enjoyable rewards with the Ramp Corporate Card. Earning 1.5% cash back on all purchases places the Ramp Card on par with many of the leading cash back credit cards out there, including the Ink Business Unlimited® Credit Card from Chase.

No Guarantee Required

Like the BILL Divvy Corporate Card, Ramp does not require a personal guarantee when applying. Most business credit card applications require a business credit score or a personal guarantee when applying. This guarantee acts as security should the business default on its financial commitments and debt, and can cause a real worry for many owners.

Fortunately, Ramp Card does not require such a guarantee. No guarantee is required, and there is no hard inquiry on your business or personal credit score.

Big Credit Limits

Ramp’s sizable credit limits are another great feature. As mentioned, Ramp determines credit limits based on the cash balance of any company deposit accounts linked to Ramp. And since Ramp Card can closely monitor your company’s growth, it may offer credit lines that are up to 20X higher than you’ll find with a mainstream bank like Chase, Citi, or Bank of America.

Things to Consider

While Ramp offers many great features, there are still things you should consider about the card before applying. The card and program is unavailable to companies of all sizes and types. Ramp is not available to sole proprietors or unincorporated businesses, a major downside for anyone with a small or part-time business looking for credit.

Charge Card

Perhaps the biggest consideration with Ramp is whether your company can pay off the full balance each statement period. The Ramp credit card is a pay-in-full card, also known as a charge card.  

A charge card is similar to a traditional business credit card in that a person can use it as a form of payment and accumulate purchases as part of a singular balance. Still, it differs from a credit card in that the entire balance must be paid in full every month. Before applying for Ramp, look closely at your business finances to see if your brand can handle the payment requirements of the Ramp Card.

Ramp Vs. Revenued

Ramp Card Revenued Business Card Visa® Business Advantage Unlimited Cash Rewards Secured Card
Welcome offer N/A Receive $500 in cash back after spending $5,000 on your card in the first 3 months N/A
Rewards Earn unlimited 1.5% cash back on every purchase Earn 3% cash back on every purchase Earn unlimited 1.5% cash back on every purchase
Integrations Block or restrict spending to a specific vendor – for either a specific card or your entire company N/A QuickBooks
Fees No fees – including foreign transaction, setup, or replacement fees No fees or hard credit checks to apply $1,000 deposit

Ramp Credit Card Ratings

How does the Ramp Card stack up? Here is a selection of expert reviews for the Ramp platform and charge card:

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.

The Ramp program is a must for companies that prioritize accounting and spending management, providing seamless integrations for all the leading expense management services. Ramp is more than 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 Bill-Divvy and Brex provide greater rewards, with Brex offering travel perks. Still, the 1.5% back with Ramp is sufficient and should help companies further save money.

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