Ramp vs Rho (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, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
Free plan · from $15/mo
Which one is for you
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
Pick Rho if
- Fits if you already bank with Rho and want to approve and file on your iPhone
- Works for founders who handle receipts from their phone
Look elsewhere if
- Not for you if you use Android, as only an iPhone listing is on record
- Pricey if you can't see a price, as none could be read
- Watch out: Rho says it is not a bank, and banking and cards come from Webster Bank, N.A., Member FDIC
- Too light for full expense policies, as the listing shows card, receipt and approval screens only
How we grade them
| 3.6GPARampExcellent | 1.6GPARhoWeak | |
|---|---|---|
| Value for money | 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. | CNo price could be read, as rho.co blocked automated requests. Middle by default against the category's $7.50, $12 and $20. |
| Free plan and trial | 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. | FNo free plan and no trial on record, so nothing to try before paying. |
| Features | 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. | CCard management, receipts, reimbursement requests, payment approvals and balances. It is an account companion more than a full expense system. |
| Ease of use | A4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text. | C4.6 on the App Store, but from only 53 ratings, which is under the 300 we need for a rating to count. You also need an account. |
| Platforms and integrations | 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. | CiPhone only on record, with no web or Android listing confirmed. One family of devices. |
| Best for | cards, expenses and bill pay at no cost | managing a Rho business card and bank account on iPhone |
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: Ramp and Rho. How we grade
Where they differ
- Ramp also covers invoicing and reports.
In commoniOSExpense trackingBill payCompany cards
At a glance
| Ramp | Rho | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $15 per user / month, plus a platform fee based on team size | Not published |
| Free plan | 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. | None |
| Free trial | 30-day free trial of Ramp Plus | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Ramp Business Corporation | Under Technologies, Inc. (Rho Technologies) |
| Price read from | ramp.com | Not confirmed |
| Checked | Oct 18, 2026 | Nov 12, 2026 |
Worth knowing
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.
Rho
- No prices could be read: rho.co answered automated requests with a security check, so pricing is unverified.
- The App Store listing is for iPhone only; other platforms were not confirmed from a page we could read.
- Rho says it is not a bank; banking services and cards come from Webster Bank, N.A., Member FDIC.
Key features
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.
Rho
- Card management
- The app lets users monitor, lock and create Rho cards, and add cards to a mobile wallet.
- Receipts and expense details
- Employees file receipts and expense details from the app, and a recent update lets them split one transaction into parts and categorize each.
- Reimbursement requests
- Staff can request reimbursement for mileage and out-of-pocket spend from the app.
- Payment approvals
- Approvers can approve or reject payments from the app.
- Balances and check deposit
- The app shows banking balances and supports depositing checks.
Plans
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.
Rho
Pricing could not be confirmed. See rho.co.
Ways to pay less
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.
Rho
No public discounts listed.
Common questions
Which is cheaper, Ramp or Rho?
As of Nov 12, 2026, Ramp starts at $15 per user / month, plus a platform fee based on team size, and Rho has no price we could confirm.
Which has a free plan, Ramp or Rho?
As of Nov 12, 2026, only Ramp has a free plan. Rho does not.
Which platforms do Ramp and Rho run on?
As of Nov 12, 2026, only Ramp lists a web app and an Android app. Both list an iOS 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.