Ramp
Corporate cards, expenses, travel and bill pay, with a free plan
Our verdict
First of our top three spend and bill pay tools
For: Most small companies
Ramp's Free plan gives unlimited corporate cards with spending controls, receipts collected by text or Slack and matched to card spend, travel booking, bill pay by ACH, card, check or wire, invoicing and QuickBooks Online or Xero sync, with no user limit listed. It runs on the web, iPhone and Android, and its iPhone and iPad app averages 4.9 from about 47,000 ratings. Know the limits: the card is issued by Celtic Bank and needs credit approval, and NetSuite, Sage Intacct and multi-entity support need Plus at $15 a user a month plus a platform fee the pricing page does not state.
See all three and how we rankRamp report card
Excellent · out of 4.0 · graded Oct 18, 2026
Best for cards, expenses and bill pay at no cost
Ramp puts corporate cards, expenses, travel booking, bill pay, invoicing and a business checking account in one place, and its Free plan covers most of it. Receipts come in by text or Slack, and bills go out by ACH, card, check or wire. The catches: the card needs credit approval, and Plus has a platform fee the pricing page doesn't state.
Who Ramp is for
- Great if you want cards, receipts and bill pay in one place without a subscription
- Handy when staff hate expense reports, since they can just reply to a text
- Good for US companies that book travel and want it tied to card spend
Who Ramp is not for
- 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
Why Ramp gets a 3.6
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- AValue for moneyFree 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.
- AFree plan and trialThe 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.
- BFeaturesThe 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.
- AEase of use4.91 from 47,070 App Store ratings, the top band. Staff can finish an expense by replying to a text, which is about as little effort as it gets.
- BPlatforms and integrationsWeb, 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.
What these grades rest on. Graded from this listing, whose facts were read from Ramp's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/ramp#review"><img src="https://toolgpa.com/badge/ramp.svg" alt="Ramp: 3.6 GPA on ToolGPA" width="196" height="56"></a>Where Ramp stands among spend and bill pay tools
Ramp's GPA of 3.6 is higher than 12 of the 13 other spend and bill pay tools we grade, and level with 1.
It stands best on free plan and trial (A, above 11 of 13) and worst on platforms and integrations (B, above 0).
Its paid plans start at $15 a month for each person, against a middle price of $12 for the category: 7 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 3.3 out of 4. Nothing scores higher for less, though at least one tool matches that score at a lower price.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. Ramp’s own letter is outlined.
- AValue for moneyAbove 9 of 13, level with 4
- AFree plan and trialAbove 11 of 13, level with 2
- BFeaturesAbove 8 of 13, level with 5
- AEase of useAbove 8 of 13, level with 5
- BPlatforms and integrationsAbove 0 of 13, level with 12
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep Ramp, or make your own?
Keep it
To replace Ramp you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It is one of the better ones too: its GPA of 3.6 is higher than 12 of the 13 other spend and bill pay tools we grade. It costs $180 a year.
What you could make
- Expense tracking, invoicing and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS and Android. Something home-made would be a web page.
- It is priced for each person, which means accounts and billing for a team.
- It plugs into other products, QuickBooks Online, Xero and NetSuite among them.
- AI features, unless you pay a model provider for each request yourself.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Ramp’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Ramp?
Ramp combines corporate cards with expense management, travel booking, bill pay, invoicing and a business checking account. Receipts are collected by text or Slack and matched to card spend, bills are read by OCR and paid by ACH, card, check or wire, and everything syncs to the accounting system. The Free plan covers most of this; Plus adds AI review and coding, deeper ERP sync and multi-entity support.
Ramp has a free plan. Paid plans start at $15 per user / month, plus a platform fee based on team size. See every plan
Good for
- US companies that want cards, expenses and bill pay in one free tool
- Finance teams closing books in NetSuite or Sage Intacct
- Businesses that book company travel and want it tied to card spend
Worth knowing
- 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
- 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.
Ramp pricing
- Starts at
- $15 per user / month, plus a platform fee based on team size
- 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.
- Free trial
- 30-day free trial of Ramp Plus
| Plan | Price | What you get |
|---|---|---|
| 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 | $15per 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. |
| Enterprise | Custom | Billed annually. Adds Workday and Oracle Fusion integrations and full customization. |
Read from ramp.com on Oct 18, 2026. Prices change, so confirm with Ramp before you buy.
Ways to pay less
- Annual discountSave 20% on Plus with yearly billing
Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown.
Stated on ramp.com
How people rate the Ramp app
4.9
out of 5 for the iPhone and iPad app
- 5 stars96%
- 4 stars2%
- 3 stars<1%
- 2 stars<1%
- 1 star1%
47,070 ratings on the App Store in the United States, read Oct 18, 2026. It rates the app, not everything the product does. See the listing
Works with
Ramp alternatives
- Ramp vs Brex
Free plan · from $12/mo
- Ramp vs BILL
Free plan · from $49/mo
- Ramp vs Expensify
Free plan · from $5/mo
- Ramp vs Navan
Free plan · from $15/mo
- Ramp vs Airwallex
Free plan · from $12/mo
Common questions
Is Ramp free?
Ramp has a 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. Paid plans start at $15 per user / month, plus a platform fee based on team size.
How much does Ramp cost?
Ramp lists 3 plans. Free: $0. Plus: $15 per user / month, plus a platform fee based on team size. Enterprise: custom pricing. Prices were read from ramp.com on Oct 18, 2026.
What platforms does Ramp work on?
Ramp is available on Web, iOS and Android.
Does Ramp offer any discounts?
Ramp publicly lists the following: Save 20% on Plus with yearly billing.
How is Ramp rated?
Ramp's iPhone and iPad app averages 4.9 out of 5 from 47,070 ratings on the App Store in the United States, as read on Oct 18, 2026. That is the store's rating of the app, not a score from us.
Does Ramp have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. Ramp is listed for Web, iOS and Android.
Does Ramp have a macOS app?
No macOS app was listed when its pages were read on Oct 18, 2026. Ramp is listed for Web, iOS and Android.
Is Ramp open source?
Ramp is not described as open source on its own site, as read on Oct 18, 2026.
What does Ramp integrate with?
Ramp's listing names QuickBooks Online, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365, Workday, Slack and Amazon Business. A listing names up to eight integrations, so it may connect to more.
Does Ramp have a free trial?
Yes. 30-day free trial of Ramp Plus.
Who makes Ramp?
Ramp is made by Ramp Business Corporation.
What are the alternatives to Ramp?
The closest alternatives to Ramp in our directory are Brex, BILL, Expensify, Navan and Airwallex. Each one has a side-by-side comparison with Ramp.
How does Ramp compare with other spend and bill pay tools?
Ramp's GPA of 3.6 is higher than 12 of the 13 other spend and bill pay tools we grade, and level with 1. It stands best on free plan and trial (A, above 11 of 13) and worst on platforms and integrations (B, above 0).
Is Ramp good value for money?
ToolGPA grades Ramp A for value for money. Its paid plans start at $15 a month for each person, against a middle price of $12 for the category: 7 of the 11 others that charge start lower. On features, ease of use and platforms it scores 3.3 out of 4. Nothing scores higher for less, though at least one tool matches that score at a lower price.
Could I make my own version of Ramp?
To replace Ramp you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 3.6 is higher than 12 of the 13 other spend and bill pay tools we grade. It costs $180 a year. What you could not make: Cards issued through a bank. Money moved between bank accounts, which takes a licensed payments partner. A real app for iOS and Android. Something home-made would be a web page. It is priced for each person, which means accounts and billing for a team. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 18, 2026. What people say is linked where it appears.