Ramp Card: Unlimited 1.5% Cash Back and Up to 20X More Credit

Our review of the Ramp Card

The Ramp Card is a business credit card that offers large credit limits and transparent fees. Ramp is a finance automation platform designed to streamline time and money management.

What is Ramp?

Ramp is a fintech business platform that helps businesses efficiently manage time and money. Ramp utilizes a proprietary 5-in-1 platform that combines spend management, software integrations, real-time reporting, bill payments, and corporate credit cards. According to Ramp, their platform saves companies an average of $5,000 annually

How to Get Ramp

Getting the Ramp Corporate Card and spend management platform is easy. With no credit check required, there are no minimum credit score requirements to apply for Ramp

Ramp Card Qualification Requirements

Here’s who qualifies for a Ramp Card:

• Businesses registered in the United States
• Must be a corporation, limited liability company, or LP (nonprofits welcome)
• Have at least $75,000 in cash in any U.S. business bank account linked to your application
• Most operations and corporate spending in the U.S.
• Have a business email address

When applying for Ramp Card, you must provide basic company financial information and personal identification details. You will need to submit passport information, proof of address, and an employer identification number (EIN) as part of the application process.

How Does Ramp Work

The Capital You Need to Grow

The Ramp corporate card offers up to 20X the capital of a standard card, with credit limits based on the drawable reserves in linked bank accounts. This provides businesses with the flexibility they need to invest in growth without a personal guarantee.

5-in-1 Platform

The Ramp card is more than just a credit card – it is a comprehensive financial management tool. With seamless integrations with leading accounting software and precise spending controls, Ramp helps businesses streamline financial reporting and control spending.

Ramp Savings Insights

Ramp’s technology analyzes spending data to identify areas where companies can save, such as eliminating duplicate subscriptions or maximizing cash back earnings. The tool also provides visibility into spending trends and helps predict future expenses.

Earn 1.5% Cash Back

The Ramp corporate card offers unlimited 1.5% cash back on all eligible purchases, with no complex bonus categories or rewards caps. Rewards are easily redeemable for statement credits through the Ramp interface.

No Fees

Ramp charges no annual fee, no foreign transaction fees, and no interest on purchases. With complimentary employee cards and Visa Signature Business benefits, Ramp offers a cost-effective and feature-rich corporate card solution.

Pros

• No personal guarantee required
• Up to 20X the typical credit line
• Superior software management

Cons

• Must pay balance in full each month
• Rewards aren’t spectacular
• Requires $75k+ in US bank account to open

What We Like About Ramp Card

Ramp offers no hidden fees, simple rewards, and no personal guarantee requirement. The sizable credit limits and advanced financial management tools make Ramp a compelling choice for businesses looking to streamline expenses.

Should You Apply for the Ramp Card?

The Ramp corporate card program is ideal for companies prioritizing accounting and spending management. With seamless integrations, savings insights, and competitive rewards, Ramp is a valuable tool for businesses looking to optimize financial operations