Finance Tools
Ramp
Corporate cards and spend management.
What it is
Ramp issues corporate cards and manages spend, with no subscription fee, making money on interchange instead. Because the revenue comes from interchange, the software has no subscription line, which makes it easy to justify internally. The condition is that spend actually runs through its cards; the value falls away if most of your payments happen elsewhere.
Ramp pricing
Ramp lists 1 plan and none of them carries a monthly charge.
| Plan | Price | What the vendor’s page says |
|---|---|---|
| Free | $0/user/mo | Free $0/user/month: unlimited cards, travel and expense, AP with OCR, basic accounting integrations |
Prices read from the vendor's own pricing page on 2026-09-08. Vendors change plans without notice — check the source before you budget. Source
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Key features
Corporate cards with controls
Issues virtual and physical cards with per-card limits and merchant rules.
Automated expense capture
Matches receipts to transactions and codes them to the ledger.
Accounting sync
Pushes coded transactions into the general ledger automatically.
Strengths and trade-offs
What works well
- No software fee
- Automated receipt matching and policy controls
- Genuinely useful spend insights
Where it falls short
- US-focused availability
- Requires a qualifying business
- Not a full banking replacement
Who it is for
US companies that want card controls and expense automation without paying for software.
Pick it or skip it
Pick Ramp if
- US companies that want corporate cards, expenses and bill pay with no software fee on the free tier
- Finance teams that want AI expense review and NetSuite or Sage Intacct sync: Plus is $15/user/month plus a platform fee
- Multi-entity groups on Plus or Enterprise
Skip it if
- You are outside Ramp's supported markets — local-currency issuing in 30+ countries is an Enterprise feature
- You need Workday or Oracle ERP integrations on a self-serve plan
- You want a published cashback rate: the page did not display one at fetch time
Our verdict
Very strong value where available. The lack of a fee is real, not a trial.
Frequently asked questions
- How much does Ramp cost?
- Ramp is free to use. We verified this against the vendor's own page; see "What we checked" below for the date.
- Does Ramp have a free plan?
- Yes. Ramp is free to use at its base level.
- Who is Ramp best for?
- US companies that want card controls and expense automation without paying for software.
- What are the main drawbacks of Ramp?
- The trade-offs we noted: US-focused availability; Requires a qualifying business; Not a full banking replacement.
- When should you not use Ramp?
- Skip Ramp if: You are outside Ramp's supported markets — local-currency issuing in 30+ countries is an Enterprise feature; You need Workday or Oracle ERP integrations on a self-serve plan; You want a published cashback rate: the page did not display one at fetch time.
What we checked
- Public APIOffers a documented API you can build against.Yes
- Mobile appHas a native app for iOS or Android, not just a mobile website.Yes
- Open source / self-hostableSource is open and the tool can be run on your own infrastructure.No
- SSO (SAML)Supports SAML single sign-on on at least one plan.Yes
“Not checked” means exactly that — we have not verified it, and we do not guess.
Evidence and freshness
Status: Vendor pricing page verifiedReviewed: 2026-09-08
- Ramp — Pricing ↗
Checked 2026-09-08 · Supports: Free $0/user/month: unlimited cards, travel and expense, AP with OCR, basic accounting integrations, Plus $15/month per user plus a platform fee based on team size; 30-day trial; 20% off annual, Enterprise custom, annual only: dedicated manager, Workday/Oracle, local-currency cards in 30+ countries
Limit: Vendor pricing page was reviewed by an editor on this date; this record is not a ToolCompare benchmark. Prices and limits change. Card reward rates rendered as placeholders on the fetched page and are not quoted.
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Work at Ramp? Embed the verified-pricing badge
We read this pricing from Ramp’s own pricing page on 2026-09-08. The badge says that and nothing more: no rating, no payment. How the badge works
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