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Ramp Corporate credit card review

Last updated:  

Rather than rewarding spending, Ramp focuses on analyzing and saving.

  • Get this card if you’re a growing business that needs a charge card and a tool to help cut costs.
  • Pick something else if your business is on top of its finances and is looking for ways to maximize rewards on spending.
  • Apply with a credit score of 670 or higher.

Up to 1.5%

Cash back

$0

Annual fee

670

Recommended credit score

Details

Product NameRamp Visa® Commercial Card
Card typeVisa
Annual fee$0
Purchase APRN/A
Balance transfer APRN/A
Foreign transaction feeNone

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

Expert review

A new corporate credit card has entered the market, jockeying for position alongside competition such as the American Express® Business Gold Card and Brex 30 Card. The Ramp Visa® Commercial Card is a charge card that offers 1.5% cash back on all purchases, 18 different signup bonuses, free employee cards, no founder liability and no fees whatsoever.

The Ramp is definitely unique among business cards. Rather than focusing exclusively on rewards, the Ramp Visa® Commercial Card aims to help businesses save money by identifying areas of wasteful spending within a company. Once you sign up for the card, Ramp will analyze your company spending and notify you of areas where you can reduce costs, such as through underused software subscriptions.

The card’s approach to signup bonuses is also unusual. Rather than just one bonus you can earn through spending, you have a choice of up to 18 bonuses. The spending requirements and bonuses vary across partnered bonuses, which means you can pick and choose based on the needs of your business.

Given the card’s modest flat rewards bonus, those most likely to benefit from the Ramp Visa® Commercial Card are small to mid-sized businesses eager to grow or cut back on ballooning costs. And for those businesses, the Ramp is an excellent choice.

How to apply for the Ramp Visa® Commercial Card

Applying for the Ramp Visa® Commercial Card is straightforward:

  1. Go to the Ramp Card website at Ramp.com.
  2. Click on the Apply today button.
  3. Create your Ramp account or sign up with your Google account.
  4. Complete the application and click Apply.

What credit score do I need to qualify for the Ramp card?

To qualify for the Ramp card, you’ll want to apply with a good credit score of 670 or higher.

Ramp Visa® Commercial Card benefits

  • Cash back. You’ll earn a flat 1.5 percent cash back on all purchases.
  • Signup bonuses. The Ramp card features not just one, but 18 signup bonuses for cardholders
  • The requirements for each offer depend on the individual provider and can be viewed through the Ramp dashboard. The current offers include:

    Company Offer
    Amazon Web Services Preferred access to AWS credits
    Google Ads 150 in Google Ads credits
    Segment $50,000 in Segment Credits
    Amplitude $40,000 in Amplitude credits
    Datadog $30,000 in Datadog credits towards Pro tier
    Plaid $21,000 in Plaid credits for the first six months
    Triplebyte Up to $15,000 in Triplebyte credits
    Travelbank $1,000 in TravelBank credits
    Carta 20% first year discount with waived implementation fees
    DocSend 90% off DocSend Advanced plan for one year
    Notion $1,000 in credits off the Notion Team Plan
    Twilio $500 in Twilio credits
    Sendgrid $5,400 in Sendgrid credits
    Lattice One month free with an additional 10% off subscription
    Pilot 20% off Pilot for six months
    Eden 7.5% off first two months of janitorial services
    Fast 409A 25% off your first 409A valuation
    Captable Three months free on the Diligence plan with concierge setup
  • Ramp Savings. Administrators of the account can access a section that illustrates the company’s long-term spending over time, while identifying areas the company can save.
  • This is one of the major selling points of the card and currently unique to the Ramp Card. In addition to tracking spending, Ramp claims the dashboard can identify redundant business subscriptions, better SaaS pricing options and other savings tailored to the company, leading to up to 2 percent in savings.

  • No fees. There are no fees associated with the Ramp Card.
  • Additional employee cards. Ramp is offering unlimited cards at no additional cost.
  • Visa benefits. This includes fraud protection.
  • Spending controls and accounting integration tools.
  • Credit limit. Ramp advertises a larger than average credit limit for businesses.
  • No founder liability. If your company becomes insolvent, the cardholder isn’t personally liable for the remaining debt on the credit card.

What to watch out for

  • Charge card. The Ramp Visa® Commercial Card is a charge card rather than a traditional credit card. This means you’ll need to pay off your balance in full at the end of each month.
  • Signup bonus limitations. The Ramp card comes with 18 different signup bonus opportunities, each associated with a certain retailer or service provider. But if none of these opportunities fit your needs, you’ll be out of luck.

How the Ramp card compares to other business cards on the market

As a corporate card, the Ramp card enters the ring standing against other big business cards on the market, including offerings from Chase and Amex. But in spirit, the Ramp card is closest in nature to the Brex card: both seek to give growing businesses a leg up by providing financial tools to help scale, without fees or a personal guarantee looming overhead.

When comparing these two corporate cards, the most noticeable difference is in the rewards structure. Where the Brex focuses on a traditional rewards structure on eligible categories, the Ramp offers flat cash back.

Card Earning rate Fees Sign up bonus
Brex 30 Card
  • 7x points on rideshare
  • 4x points on Brex travel
  • 3x points on restaurants
  • 2x points on recurring software subscriptions, 1x points on everything else
None Various (up to $50,000 in value)
Ramp 1.5% cash back on all purchases None Various (up to $175,000 in value)

On its website, Ramp claims that the welcome offers provided through the card are worth up to $175,000 in value — a fairly large increase over Brex’s claim of $50,000 in welcome offers. While this might be true on paper, this does assume you use every single eligible service within Ramp’s program. As such, the value of Ramp’s welcome offer ultimately depends on your business.

Likewise, much of the Ramp card’s projected value is in the form of wasteful spending elimination. Again, it’s hard to quantify just how much a company stands to save through Ramp’s monitoring — a company already on top of their accounting might not see the same level of savings suggested on the Ramp site.

Ramp Visa® Commercial Card customer reviews and complaints

As of November 2020, Ramp isn’t yet listed in the Better Business Bureau and has no rating or customer reviews.

Compare business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
United℠ Business Card
Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 bonus miles after $3,000 in purchases within the first 3 months of account opening. Plus, get a $0 intro annual fee for the first year, then $99.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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Compare up to 4 providers

Bottom line

The Ramp Visa® Commercial Card is another great startup-focused card and one that can serve small and mid-sized businesses as well. While other business cards might offer more rewards on spending, Ramp‘s focus on savings is a unique draw and especially attractive when combined with the card’s lack of fees. If you’re running an established business and are looking for big rewards or luxury perks though, you’ll want to compare other business card options.

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