Ramp is a United States corporate card and spend management platform with a business account and bill pay. It is not a traditional bank. The card has no annual fee, and Ramp is available to registered United States businesses such as corporations, limited liability companies and limited partnerships.
- Who it suits
- United States registered companies that want a corporate card with expense management and bill pay, and that can meet Ramp eligibility such as a minimum cash balance
- Broadly available in
- United States
- Headline monthly fee
- No annual fee on the Ramp card. Some payment methods are priced per transaction. As of 16 June 2026
- Account type
- Corporate card with a business account and bill pay, not a deposit bank account
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Ramp combines a corporate charge card with expense management, bill pay and a business account. It targets United States companies that want to control spend and automate accounting. Ramp reports that it supports international transactions on the card, but the business itself must be United States based, with most operations and corporate spend in the United States and a physical United States business address.
Strengths
No annual card fee and built in expense management and bill pay. No personal guarantee on the corporate card for many businesses. Card transaction fees on international spend are described by Ramp as waived. Accounting integrations are a core focus.
Limitations
Ramp is not a deposit bank, and the corporate card requires you to pay balances rather than carry them like a consumer credit card. Eligibility is restrictive. Ramp states you generally need at least 25,000 United States dollars in a business bank account, must be a registered entity such as a corporation, limited liability company or limited partnership, and must have a physical United States address. Sole proprietorships and unregistered businesses are not eligible. Some payment methods carry per transaction fees. Verify current terms with Ramp.
Fees and features
| Monthly fee | The core Ramp card has no annual fee. Some plans and add on software tiers exist. As of 16 June 2026, confirm current plan pricing with Ramp. |
|---|---|
| Transaction fees | Ramp prices some payment methods per transaction, for example standard ACH, checks, same day ACH, domestic wires and international wires. These can be waived when funded from a Ramp business account. As of 16 June 2026, verify current figures with Ramp. |
| FX fees | Ramp states it supports international card transactions and describes related transaction fees as waived. Confirm current terms with Ramp. As of 16 June 2026. |
| Minimum deposit | Ramp states applicants generally need at least 25,000 United States dollars held in a business bank account to qualify. As of 16 June 2026. |
| Multi currency | The card supports international transactions. Ramp is United States based and is not a multi currency banking provider in the way some neobanks are. As of 16 June 2026 |
| Integrations | Expense management, bill pay and accounting integrations are central to the product. As of 16 June 2026 |
| Eligibility | Registered United States businesses such as corporations, limited liability companies and limited partnerships, with a physical United States address and most operations and spend in the United States. Sole proprietorships and unregistered businesses are not eligible. As of 16 June 2026. Verify with Ramp. |
Open a Ramp business account
Availability and fees vary by country. Check the Ramp by country pages below for your market, then confirm current terms with the provider. Shown as of 16 June 2026.
Visit Ramp →Ramp by country
Questions about Ramp
Is Ramp a bank?
Who can get a Ramp card?
Does Ramp charge fees?
Is Ramp available outside the United States?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 16 June 2026. Confirm current terms with Ramp before applying.