Ramp Corporate Card
Positioned less as a rewards card and more as a finance-operations platform: unlimited employee cards, automated expense categorization, and bill pay, with a flat cash-back rate on top.
Ramp Corporate Card at a glance
Issued by Ramp. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR — balance paid in full (charge card)
- Foreign transaction fee
- None
Rewards
1.5% cash back on every purchase, credited automatically
Ramp Corporate Card's annual fee vs. the cheapest and priciest cards on the marketplace
Ramp Corporate Card vs. similar Startups & high limit
| Criterion | Ramp Corporate Card | Spark Cash Plus | Brex Card for Startups |
|---|---|---|---|
| Annual fee | $0 | $150 (waived first year) | $0 |
| Regular APR | No APR — balance paid in full (charge card) | Pay in full (charge card) | No APR — balance paid in full daily/monthly (charge card) |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Ramp Corporate Card charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +No personal guarantee
- +No fees anywhere in the product
- +Expense management is genuinely full-featured, not an afterthought
Cons
- −Underwriting favors companies with real revenue or funding on file
- −No revolving balance
Ramp Corporate Card has no annual fee, requires good/excellent credit, and carries a No APR — balance paid in full (charge card) regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Funded companies that want spend management bundled with the card
We don't have a partnership with Ramp — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.