Ramp review

Ramp puts the corporate card at the center and builds expense management around it. The Free plan is unusually complete: unlimited physical and virtual cards with issuing controls, automatic receipt collection and matching, a custom travel policy with flight, hotel and car booking, bill pay by ACH, card, check or wire, and QuickBooks Online and Xero integrations. Employees can finish an expense by text message or Slack instead of filling in a report. Plus, at $15 per user per month plus a platform fee based on team size, adds AI expense reviews, cards that lock when receipts are missing, NetSuite and Sage Intacct sync, multi-entity support and weekly batched reimbursements. Annual billing saves 20 percent. The platform fee means the real Plus cost depends on headcount, so ask for a quote. Ramp's card is a corporate liability charge card, so it fits companies that qualify for one.

Who it is for

US companies that want cards, receipts and reimbursements handled in one free product.

Price

Free plan at $0 per user; Plus $15 per user per month plus a platform fee; Enterprise custom.

AI-powered Plus $15/mo/user + Platform fee based on team size
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Unlimited physical and virtual corporate cards with category and vendor controls
• Automatic receipt collection and matching
• Reimbursements with spending limits and bulk review
• Expenses completed by SMS or Slack
• QuickBooks Online and Xero sync on Free; NetSuite and Sage Intacct on Plus

Strengths and weaknesses

• Strength: Free plan includes cards, receipts, reimbursements, bill pay and travel
• Strength: Cards can lock automatically when receipts are late on Plus
• Strength: Weekly batched reimbursements and bulk review on Plus
• Weakness: Plus adds a platform fee on top of the $15 per user price
• Weakness: NetSuite and Sage Intacct sync need Plus
• Weakness: Local currency cards in 30+ countries are an Enterprise feature

Key facts

• Free plan: Yes, $0 per user per month
• Paid plan: Plus, $15 per user per month plus platform fee
• Annual billing: Save 20% on Plus

Where it ranks

Ramp is No. 1 in our Best Expense Management Software verdict.