Capital on Tap vs Ramp (2026): which should you pick?
As of Nov 13, 2026, we pick Ramp: it is first in our ranking of spend and bill pay tools, and it grades higher too, 3.6 against 2.6.
Checked Oct 18, 2026 and Nov 13, 2026 · graded Oct 18, 2026 and Nov 13, 2026 by ToolGPA
Ramp grades higher on value for money, the free plan, features and ease of use. They get the same grade on platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Capital on Tap
Business credit card with built-in expense tracking for UK firms
Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
Which one is for you
Pick Capital on Tap if
- Fits if you want a UK business card with free employee cards and cashback
- Works for small firms that sync card spending into Xero, QuickBooks or Sage
Look elsewhere if
- Not for you if you are refused credit, because the card needs approval and a credit check
- Pricey if you carry a balance: rates start at 14.13% APR (variable)
- Skip it if you want a separate expense-report tool, as expense features sit on the card
- Watch out: Pro costs £299 a year, and Avios convert at 10 points to 8 on Free against 1 to 1 on Pro
- Watch out: the page we read is the UK site; a US version is linked but was not read
Pick Ramp if
- Fits if you want cards, receipts and bill pay in one place without a subscription
- Works for US companies that book travel and want it tied to card spend
Look elsewhere if
- Not for you if your company can't get credit approval for the card
- Skip it if you need purchase orders without paying for an add-on
- Tight if you'll outgrow Free soon, as Plus has a platform fee on top of $15 a user that isn't published
- Watch out: Workday and Oracle Fusion sync need Enterprise, which is quoted and billed yearly
- Watch out: 1099s cost $0.65 per IRS form, and cards are issued only in the US, Canada, the UK and the EEA
How we grade them
| 2.6GPACapital on TapGood | 3.6GPARampExcellent | |
|---|---|---|
| Value for money | BThe Free tier has no annual fee and Pro is £299 a year. Free sits well under what expense tools cost, though the card itself carries interest from 14.13% APR. | AFree and substantial. A ten-person company pays $0 a month on Ramp Free for cards, expenses, travel and bill pay, and the listing gives no fee for ACH bill payments, with same-day ACH free too. Plus is $15 a user, 20% less yearly, plus an unstated platform fee. |
| Free plan and trial | BFree is £0 a year, with unlimited employee cards, 1% cashback and no foreign exchange fees. You still need a credit check to get the card. | AThe Free plan has no user cap on record and covers unlimited cards, receipts by text or Slack, travel booking, bill pay, invoicing, a checking account and QuickBooks or Xero sync. Plus has a 30-day trial. |
| Features | CEmployee and virtual cards, accounting sync, receipts in the app, spending limits and roles. There is no separate expense-report tool; the features hang off the card. | BThe whole job: cards with controls, expenses and reimbursements, travel, bills read by OCR and routed for approval, invoicing and accounting sync. Purchase orders and three-way matching are an add-on, which mostly bigger finance teams will miss. |
| Ease of use | CThe page quotes 4.9 on the App Store without a count, so we don't count it. Setup includes a credit application and an accounting link. | A4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text. |
| Platforms and integrations | BWeb, iOS and Android, with Xero, QuickBooks, Sage and FreeAgent. No desktop app. | BWeb, iPhone and Android, with QuickBooks Online, Xero, NetSuite, Sage Intacct, Dynamics 365, Workday, Slack and Amazon Business. No desktop app is listed, and Workday sync needs Enterprise. |
| Best for | a UK business credit card with expense tools | cards, expenses and bill pay at no cost |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Capital on Tap and Ramp. How we grade
Price against what you get
Capital on Tap starts at about $33.39 a month and scores 2.3 out of 4 on features, ease of use and platforms. Ramp starts at $15 a month for each person and scores 3.3.
Ramp scores higher and starts $18.39 a month lower. Of the other spend and bill pay tools on the chart, 15 score higher than Capital on Tap for less, and none scores higher than Ramp for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Ramp also covers invoicing and bill pay.
At a glance
| Capital on Tap | Ramp | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | £299 per year, billed annually (Pro); Free tier £0 per year | $15 per user / month, plus a platform fee based on team size |
| Free plan | Free: £0 a year, no annual fee, with unlimited free employee cards, 1% cashback and no foreign exchange fees. | Ramp Free: unlimited cards, expenses by text or Slack, travel booking, bill pay, invoicing, a checking account, custom reports and QuickBooks Online or Xero sync. |
| Free trial | None listed | 30-day free trial of Ramp Plus |
| Web | ||
| iOS | ||
| Android | ||
| Made by | New Wave Capital Limited (trading as Capital on Tap) | Ramp Business Corporation |
| Price read from | capitalontap.com | ramp.com |
| Checked | Nov 13, 2026 | Oct 18, 2026 |
Worth knowing
Capital on Tap
- It is a credit card, so approval depends on a credit check; limits go up to £250,000 and rates start at 14.13% APR (variable).
- The UK site prices in pounds; a separate US version of the site is linked but was not read.
- Expense features are attached to the card and its app; there is no separate expense-report tool.
- Pro costs £299 a year; Avios and Virgin Points convert at 10 points to 8 on Free and 1 to 1 on Pro.
Ramp
- Plus adds a platform fee based on team size that the pricing page does not state; Enterprise is quoted and billed yearly.
- Ramp says it is not a bank: checking deposits are held at First Internet Bank of Indiana, and its corporate card is issued by Celtic Bank and needs credit approval.
- Purchase orders and three-way matching come as an add-on to Plus or Enterprise; Workday and Oracle Fusion sync need Enterprise.
- Cards are issued in the US, Canada, the UK and the EEA. Filing 1099s costs $0.65 per IRS form, with state filing free.
Key features
Capital on Tap
- Employee and virtual cards
- Free, unlimited employee cards with their own spending limits, and virtual cards that work as soon as an application is approved.
- Automatic accounting sync
- Transactions sync daily to Xero, QuickBooks, Sage or FreeAgent, and are sorted into categories automatically.
- Receipts in the app
- A receipt can be photographed and attached to its transaction in the mobile app, which also shows team spending in real time.
- Spending limits and alerts
- Limits can be set per transaction or per month for each team member, and the account owner gets an alert whenever a card is used.
- Cashback and preloading
- Cards earn 1% cashback. Preloading adds your own funds to the account to spend past the credit limit, and still earns cashback.
- Team access roles
- Bookkeepers, accountants and staff can be given separate access levels, such as managing credit to issue team cards.
Ramp
- Corporate cards
- Unlimited physical and virtual Visa cards with spending controls. On Plus, cards lock themselves when receipts or other policy steps are missing.
- Expenses and reimbursements
- Employees complete expenses by text message or Slack, receipts are matched automatically, and out-of-pocket costs are reimbursed in batches.
- Travel booking
- Book flights, hotels and rental cars under a custom travel policy, with 24/7 phone support for bookings on Plus.
- Bill pay
- Invoices are read by OCR, routed through approvals and fraud checks, and paid by ACH, card, check or wire, with free same-day ACH and wires.
- Invoicing
- Create invoices, follow up with customers automatically and accept payment by ACH, card or check.
- Accounting automation
- QuickBooks Online and Xero sync on every plan. Plus adds NetSuite and Sage Intacct, AI coding for every field and automatic sync of routine spend.
Plans
Capital on Tap
Free£0
per year
No annual fee. Uncapped 1% cashback, free employee cards, virtual cards, preloading and 24/7 support.
Pro£299
per year, billed annually
Adds 1.25% on preloaded spend, a metal card, airport lounge access, a Times subscription and a 10,000-point welcome bonus.
Ramp
Free$0
Unlimited cards with controls, receipt matching, travel booking, bill pay by ACH, card, check or wire, invoicing, and QuickBooks Online or Xero sync.
Plus$15
per user / month, plus a platform fee based on team size
20% off with yearly billing; the platform fee is not shown. Adds AI expense reviews, coded bill lines, batch payments, NetSuite and multi-entity support.
EnterpriseCustom
Billed annually. Adds Workday and Oracle Fusion integrations and full customization.
Ways to pay less
Capital on Tap
- Other savings
6 months of Xero free on the Free tier
The Free tier lists 6 months free Xero for first-time Xero subscribers.
Ramp
- Annual discount
Save 20% on Plus with yearly billing
Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown.
Common questions
Which is cheaper, Capital on Tap or Ramp?
As of Nov 13, 2026, Capital on Tap starts at £299 per year, billed annually (Pro); Free tier £0 per year, and Ramp starts at $15 per user / month, plus a platform fee based on team size. One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, Capital on Tap or Ramp?
As of Nov 13, 2026, both Capital on Tap and Ramp have a free plan.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.