Ramp

Corporate cards with built-in expense management, bill pay and accounting automation, starting free.

Free plan + paidAccounting and invoicing software

Verified facts: 4 of 4
Alternatives ranked: 4
Approved reviews: 0
Visits sent from here: 0

About Ramp

Ramp is a US finance platform built around corporate cards. Cards come with spending limits and policies, receipts are matched automatically, and transactions are coded and synced to accounting systems such as QuickBooks, Xero, NetSuite and Sage Intacct, which cuts down month-end work. It also covers reimbursements, bill payments, procurement, travel and vendor management. The core platform is free, with Ramp earning money from card interchange; a Plus plan adds more advanced controls, AI features and integrations for a per-user fee plus a platform fee. It runs in the browser with iOS and Android apps. Eligibility is the main hurdle: it is built for registered US businesses that meet its underwriting criteria, so sole traders and very early companies may not qualify. It replaces expense tools and some accounts-payable software rather than your accounting system.

Best for: US companies that want free corporate cards with expense automation built in.

What works

Core cards and expense platform are free
Automatic receipt matching and accounting sync
Bill pay, procurement and travel in the same tool

Why people leave

Only for US businesses that pass underwriting
Advanced features need the paid Plus plan
Not an accounting system on its own

Top Ramp alternatives

See all 4

1
Brex
Similar cards-plus-software model with stronger global coverage.
66.5
2
Expensify
Works with your existing cards and suits companies outside the US.
62.6
3
BILL
Deeper accounts payable and receivable workflows.
59.6
4
QuickBooks Online
Keeps expenses inside the accounting system for very small teams.
57.2

Why people left Ramp

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

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Ramp: common questions

Is Ramp free?

Ramp has a free plan and paid plans. Free plan: $0/user/month (checked on Ramp's own site).

Is Ramp open source?

No, Ramp is not open source.

What platforms does Ramp run on?

Ramp is available for Web, iOS and Android.

What are the best alternatives to Ramp?

The highest-ranked Ramp alternatives right now are Brex, Expensify and BILL. See the full ranked list for pricing, platforms and verified facts.

See all 4 Ramp alternatives

Ramp facts

4 of 4 verified

Free plan: $0/user/month; Checked Oct 25, 2026ramp.com(opens source in a new tab); “AI-assisted Free $0/mo/user Best for smaller teams who want to simplify finances.”
Plus plan: $15/user/month plus platform fee; Checked Oct 25, 2026ramp.com(opens source in a new tab); “Plus $15/mo/user + Platform fee based on team size”
Annual billing discount: 20%; Checked Oct 25, 2026ramp.com(opens source in a new tab); “Save 20% with annual billing Perfect for teams who want to use AI-driven automation to eliminate busywork.”
Customers: 85,000+ businesses; Checked Oct 25, 2026ramp.com(opens source in a new tab); “Join the 85,000 + businesses simplifying their finances with Ramp.”