Overall (9.1/10)
Interest Rates & APY (9.3/10)
Fees & Minimums (9.5/10)
Customer Service (9.1/10)
Mobile App & Digital Banking (9.3/10)
Rewards & Perks (9.5/10)

Ramp Review:

Intro

Ramp is America's fastest-growing corporate card, expense management, bill pay, and business treasury platform, helping 25,000+ businesses save an average of 5% across corporate spending with unlimited 1.5% cashback, AI receipt matching, and $0 annual fees.

Full Review

Ramp (New York, NY, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Ramp is America's fastest-growing corporate card, expense management, bill pay, and business treasury platform, helping 25,000+ businesses save an average of 5% across corporate spending with unlimited 1.5% cashback, AI receipt matching, and $0 annual fees.

In our comprehensive 2026 review, Ramp earned strong marks across rate competitiveness (Up to 4.85% Ramp Treasury), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Ramp.

Pros

  • Unlimited 1.5% cashback across all corporate card spending with $0 annual fees and $0 foreign transaction fees
  • No personal credit check or personal guarantee required for qualified businesses
  • Automated AI expense management, vendor contract price intelligence, and free ACH/international bill pay
  • Ramp Treasury offers high-yield cash management alongside corporate charge cards

Cons

  • Requires a U.S.-registered business entity (LLC, Corp, LP, or Nonprofit) with at least $25,000 in a U.S. business bank account
  • Full balance is paid monthly as a charge card
Feature Value
Overall Rating 4.9
Savings APY / AER Up to 4.85% Ramp Treasury
Deposit Insurance FDIC / NCUA Insured ($250k+)

Ramp: Products

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Ramp Corporate Charge Card & Expense Platform

Ramp Corporate Charge Card & Expense Platform

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Ramp Business Treasury & Bill Pay

Ramp Business Treasury & Bill Pay

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Ramp: Categories

Credit Cards

Credit Cards

Rated 9.4

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Business Banking

Business Banking

Rated 9.3

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