The Ramp Business Card distinguishes itself in corporate finance, offering substantial value with its fee-free structure and rewarding cash back on all purchases. It stands out for its intuitive expense management platform and mobile app, simplifying financial tracking and control. This card is exceptionally adaptable, allowing the issue of multiple virtual and physical cards at no additional cost, with extensive spending controls. Tailored for legally recognized entities and necessitating monthly settlements, it provides high credit limits and flexible eligibility, making it an ideal choice for businesses focused on streamlining finances and maximizing savings efficiently.
Ramp Business Card Review
Updated: October 23, 2024
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Ramp Business Card
On Issuer's Site
Rewards Summary
N/AEarn 1.5% cash back on all purchases
Annual Fee
$0Recommended Credit
740-850 (Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Ramp Business Card Overview
Choosing the right credit card requires carefully evaluating the available features to ensure they align well with your goals and business needs. The Ramp Business Card has the following highlights:
- Rewards Rate: Earn 1.5% cash back on all purchases
- Welcome Offer: None
- Regular APR: N/A (charge card)
- Annual Fee: $0
- Intro APR Offer: None
With this information in mind, consider how this card fits into your company's financial needs and profile.
Important Card Details
Our comprehensive analysis of the Ramp Business Card delves into its unique features and their impact on business financial management. While some aspects offer clear advantages regarding simplicity and cost-saving, others require a deeper understanding of their implications for fiscal discipline and operational flexibility.
Fees
The Ramp Business Card sets itself apart with a no-fee structure. This means you won’t find yourself shelling out for user fees, annual fees or card replacement fees. What this translates to is clear-cut savings for businesses. By removing financial clutter, Ramp allows companies to allocate their resources more effectively, focusing solely on growth.
Rewards
All purchases with the Ramp Business Card get 1.5% cash back. When businesses scale, so does their spending. With the Ramp Business Card, every purchase contributes to a return on spend. Unlike some cards with tiered rewards or specific category bonuses, this straightforward cash back approach means predictability. You know you're earning back a consistent percentage, no matter where or how you spend, making budgeting and financial planning smoother.
Application
Traditional business cards often have rigid application requirements, from high revenue prerequisites to specific numbers of transactions. Ramp, however, has reshaped this landscape. While businesses still need to be legally recognized, Ramp's eligibility criteria are more adaptable. This flexibility indicates an understanding of modern business dynamics, making it a choice for established corporations and newer, agile startups.
Expense Tracking
Staying on top of expenses can be a Herculean task, but not with the Ramp Business Card. Its single intuitive platform offers a panoramic view of all your outlays, from managing reimbursements to settling invoices. With the addition of Ramp Mobile, businesses can access their cards, transactions and policies on the go. In the fast-paced business world, real-time insights and mobile compatibility can be the difference between effective and ineffective financial management.
Other Perks
Beyond the obvious, the Ramp Business Card also shines in its additional offerings. The ability to issue unlimited virtual and physical cards without added costs is game-changing, especially for growing teams. Moreover, the card's control mechanisms, including being able to lock a card or define spending limits at any time, indicate Ramp's commitment to safeguarding a business's financial health. Coupled with an impressive credit limit — up to 20 times higher than conventional options — the card isn't just a tool; it's a business ally.
How the Ramp Business Card Compares
In this side-by-side comparison, we'll examine the features, benefits and potential drawbacks of two popular business credit cards, helping you make an informed decision based on your specific financial needs and preferences.
How This Card Compares
Ramp Business Card
- Rewards Rate: Earn 1.5% cash back on all purchases
- Welcome Offer: None
- Regular APR: N/A (charge card)
- Annual Fee: $0
- Intro APR Offer: None
- Best For: Businesses valuing simple rewards with 1.5% cash back on all purchases, ideal for companies comfortable with a charge card's pay-in-full structure.
Brex 30 Card
- Rewards Rate: 1–7 points per dollar spent
- Welcome Offer: 50,000 in Brex Rewards points after you spend $1,000; Software discounts and credits, including a $5,000 credit for Amazon Web Services and $150 credit for Google Ads
- Regular APR: N/A (charge card)
- Annual Fee: $0
- Intro APR Offer: None
- Best For: Companies seeking a no-annual-fee charge card with varied rewards points and significant welcome bonuses like software credits.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.