The Ramp Insider’s Guide
Everything we know about Ramp in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Ramp
The Insider’s Guide
Corporate cards, expenses, travel and bill pay, with a free plan
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Ramp’s own pages.
Made by Ramp Business Corporation · checked Oct 18, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Ramp’s own pages, its app-store listings and our grades. Every fact in it is on Ramp’s page too, where it is kept up to date. Checked Oct 18, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
3.6
GPA, above 12 of the 13 other spend and bill pay tools we grade
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.
To get you started, here are 9 things to know about Ramp, taken from its own pages and our grades.
The catches: the card needs credit approval, and Plus has a platform fee the pricing page doesn't state.
- 1
Best for cards, expenses and bill pay at no cost
Receipts come in by text or Slack, and bills go out by ACH, card, check or wire.
- 2
Paid plans start at $15 a month for each person
As its pricing page puts it: $15 per user / month, plus a platform fee based on team size.
- 3
There is 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.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Corporate cards
Unlimited physical and virtual Visa cards with spending controls. On Plus, cards lock themselves when receipts or other policy steps are missing.
- 6
Expenses and reimbursements
Employees complete expenses by text message or Slack, receipts are matched automatically, and out-of-pocket costs are reimbursed in batches.
- 7
Travel booking
Book flights, hotels and rental cars under a custom travel policy, with 24/7 phone support for bookings on Plus.
- 8
A 3.6 GPA, above 12 of 13
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Ramp at a glance
- Pricing
- Free plan, from $15 per user / month, plus a platform fee based on team size
- Free plan
- Yes
- Free trial
- 30-day free trial of Ramp Plus
- Runs on
- Web, iOS, Android
- Made by
- Ramp Business Corporation
- Category
- Spend & Bill Pay
- Our grade
- 3.6 GPA, excellent
- Store rating
- 4.9 on the App Store, 47,070 ratings
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$15
A month to start, for each person. There is a free plan too
Ramp has a free plan. Paid plans start at $15 per user / month, plus a platform fee based on team size.
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.
The 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.
Trying it first
30-day free trial of Ramp Plus
Read from ramp.com on Oct 18, 2026.
Ways to pay less
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.
Stated on ramp.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Corporate cards, expenses, travel and bill pay, with a free plan. Here is what it does, as its own site describes it, and what it covers: AI features, invoicing, reports, expense tracking, bill pay, company cards.
Purchase orders and three-way matching are an add-on, which mostly bigger finance teams will miss.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- QuickBooks Online
- Xero
- NetSuite
- Sage Intacct
- Microsoft Dynamics 365
- Workday
- Slack
- Amazon Business
Ramp is made by Ramp Business Corporation.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
12/13
Other spend and bill pay tools it is graded above
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
- AFree plan and trialAbove 11 of 13
- BFeaturesAbove 8 of 13
- AEase of useAbove 8 of 13
- BPlatforms and integrationsAbove 0 of 13
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. Ramp is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Brex, BILL, Expensify, Navan and Airwallex
The 5 tools Ramp is most often weighed against, with where each one differs from it.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Ramp also covers invoicing.
- 2.6GPA
BILL
Free plan · from $49/mo
Bill pay, invoicing and free company cards for small businesses.
- Ramp also covers reports.
- 2.8GPA
Expensify
Free plan · from $5/mo
Receipt scanning, expense reports and company cards, from $5 a member.
- Only Expensify lists a macOS app.
- Only Expensify lists a browser extension.
- Ramp also covers reports.
- 2.8GPA
Navan
Free plan · from $15/mo
Business travel booking with expenses and corporate cards built in.
- Ramp also covers invoicing and bill pay.
- 3.2GPA
Airwallex
Free plan · from $12/mo
Multi-currency business accounts, cards, bill pay and expenses.
- Ramp also covers reports.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
15
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
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.
How much does Ramp cost?
Ramp lists 3 plans. Free: $0.
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.
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.
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.
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.
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.
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.
Where this guide comes from
The prices, plans, platforms and features were read from Ramp’s own pages on Oct 18, 2026, and the grades were given on Oct 18, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Ramp Business Corporation. Prices change, so check ramp.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
2,068
Tools graded, in 57 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
2,068
tools graded
57
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Ramp, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/ramp
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Ramp: The Insider's Guide", checked Oct 18, 2026. https://toolgpa.com/tools/ramp
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/ramp/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Ramp, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 14 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
- Aspire Insider's GuideFree business account with global payments, cards and expense tools3.0 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Ramp’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Ramp is a trademark of its owner, and this guide is not made, paid for or approved by Ramp Business Corporation. Prices and plans change: check ramp.com before you buy.