Cledara 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 1.6.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 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.
Cledara
SaaS subscription management with virtual cards for finance teams
Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
Which one is for you
Pick Cledara if
- Fits if you want one place for software renewals and cards
- Works for finance teams that use Xero, QuickBooks or NetSuite
Look elsewhere if
- Pricey if you are small: $75 a month covers up to 20 apps
- Tight if you have many apps, as Premium is capped at 75
- Not for you if you want travel or general expenses, as it covers software only
- Watch out: Cledara Agent jobs are $200 a month each, and some modules $150 a month
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
| 1.6GPACledaraWeak | 3.6GPARampExcellent | |
|---|---|---|
| Value for money | D$75 a month for up to 20 apps against a category middle of $12, and the dearest tenth starts at $60. Add-ons are extra, and a single user pays the same. | 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 | FNothing free: no free plan and no trial are on record for this listing. | 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 | CSoftware directory, virtual cards, approvals and accounting sync. But it covers software spend only, and plans cap the number of apps. | 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 | CNo store rating on record. Cards, approvals and accounting links need connecting. | 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 only on the listing, with Xero, QuickBooks, NetSuite, Okta and HubSpot. | 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 | SaaS subscription management with virtual cards | 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: Cledara and Ramp. How we grade
Price against what you get
Cledara starts at $75 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 $60 a month lower. Of the other spend and bill pay tools on the chart, 13 score higher than Cledara 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
- Cledara also covers workflow automation.
- Ramp also covers invoicing and bill pay.
At a glance
| Cledara | Ramp | |
|---|---|---|
| Pricing | Paid | Free plan |
| Starts at | $75 per month for up to 20 software applications | $15 per user / month, plus a platform fee based on team size |
| Free plan | None | 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 | Cledara Limited | Ramp Business Corporation |
| Price read from | cledara.com | ramp.com |
| Checked | Nov 12, 2026 | Oct 18, 2026 |
Worth knowing
Cledara
- Plans are capped by application count: Basic at 20 software applications and Premium at 75.
- Add-ons are priced separately: Cledara Agent jobs are $200 a month each, and Spend Optimisation and IT Management are $150 a month each.
- Cledara covers software spend only; it is not a general expense or travel tool.
- The pricing page showed pounds to our reader; the dollar figures here match the page's own USD price data.
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
Cledara
- Software directory
- Lists every SaaS and AI tool with its owner, users, cost, renewal date and the card used to pay for it.
- Virtual cards and payments
- Free virtual cards pay for software, with spend limits and budgets per tool, and a way to manage and cancel subscriptions.
- Purchasing and approvals
- Premium adds purchasing and approval workflows and automatic capture and matching of software invoices.
- Accounting sync
- Payments sync to Xero and QuickBooks on every plan, with the right account codes; NetSuite is on Premium.
- Cledara Agent
- An add-on that signs in to connected tools to collect invoices or manage joiners and leavers, with the user approving each change.
- Spend and IT modules
- Optional modules cover usage and seat insights, duplicate-tool and price-increase alerts, and IT access and security risks.
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
Cledara
Basic$75
per month for up to 20 software applications
Software directory, renewal alerts, spend limits and budgets, free virtual cards, unlimited API access, and Xero and QuickBooks sync.
Premium$200
per month for up to 75 software applications
Adds purchasing and approval workflows, invoice capture, advanced reporting, NetSuite, Okta single sign-on and 1% first-year cashback.
Pro$500
per month and up
A package built to order on top of Premium, adding bank-transfer expense payments and a dedicated implementation manager.
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
Cledara
- Annual discount
Save 16% with yearly billing
The pricing page shows a Yearly toggle saving 16%: Basic costs $750 a year and Premium $2,000 a year instead of monthly billing.
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, Cledara or Ramp?
As of Nov 12, 2026, Cledara starts at $75 per month for up to 20 software applications, 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, Cledara or Ramp?
As of Nov 12, 2026, only Ramp has a free plan. Cledara does not.
Which platforms do Cledara and Ramp run on?
As of Nov 12, 2026, only Ramp lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
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.