# Ramp

> Corporate cards, expenses, travel and bill pay, with a free plan

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.

- **Category:** Spend & Bill Pay
- **Made by:** Ramp Business Corporation
- **Website:** https://ramp.com
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 18, 2026

## Pricing

Ramp has a free plan. Paid plans start at $15 per user / month, plus a platform fee based on team size.

- **Pricing model:** Free plan
- **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 | $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. |
| Enterprise | Custom | Billed annually. Adds Workday and Oracle Fusion integrations and full customization. |

Read from https://ramp.com/pricing on Oct 18, 2026. Prices change, so confirm with Ramp before buying.

## Ways to pay less

- **Save 20% on Plus with yearly billing** (Annual discount): Ramp says Plus costs 20% less when billed annually than the $15 per user a month shown. Source: https://ramp.com/pricing

## 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.

## 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.

## ToolGPA grades

**GPA: 3.6 out of 4**, graded Oct 18, 2026. 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.

- **Value for money: A.** Free 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: A.** The 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: B.** The 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: A.** 4.91 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.
- **Platforms and integrations: B.** Web, 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.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, 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.

- You could make: Expense tracking, invoicing and reports: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: It is priced for each person, which means accounts and billing for a team.
- You could not: It plugs into other products, QuickBooks Online, Xero and NetSuite among them.
- You could not: AI features, unless you pay a model provider for each request yourself.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.9 out of 5 from 47,070 ratings in the United States, read Oct 18, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1628197245

## Works with

QuickBooks Online, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365, Workday, Slack, Amazon Business

**Tags:** Company cards, Expense tracking, Bill pay, Invoicing, AI features, Reports

## Alternatives

- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-ramp)
- [BILL](https://toolgpa.com/tools/bill): Bill pay, invoicing and free company cards for small businesses. [Compare](https://toolgpa.com/compare/bill-vs-ramp)
- [Expensify](https://toolgpa.com/tools/expensify): Receipt scanning, expense reports and company cards, from $5 a member. [Compare](https://toolgpa.com/compare/expensify-vs-ramp)
- [Navan](https://toolgpa.com/tools/navan): Business travel booking with expenses and corporate cards built in. [Compare](https://toolgpa.com/compare/navan-vs-ramp)
- [Airwallex](https://toolgpa.com/tools/airwallex): Multi-currency business accounts, cards, bill pay and expenses. [Compare](https://toolgpa.com/compare/airwallex-vs-ramp)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 18, 2026:

- https://ramp.com/pricing
- https://ramp.com/integrations

Page: https://toolgpa.com/tools/ramp
Listed by ToolGPA (toolgpa.com).