How much does Ramp card cost?

Ramp is an expense management tool that includes a corporate charge card. While you can’t use it to carry a balance month-to-month like a traditional business credit card, it can help you track, organize, and control your team’s spending.

Here’s what you should know to determine whether the Ramp card is right for your business, including how much it costs, how it compares to similar products from competitors, and how to qualify.

Is the Ramp card free? Breaking down the three pricing tiers

As of December 2025, the Ramp Visa corporate card is available for free through the platform’s Free tier, which carries no monthly fee. Likewise, the card itself has no annual fee, so you don’t have to pay anything to maintain access.

However, some card features are unavailable to Free tier subscribers. Most notably, that includes the ability to auto-lock cards after an employee fails to submit supporting items for a transaction within the period your expense policy requires.

To gain access to this feature, you’ll need to sign up for one of the two paid tiers, known as Plus and Enterprise. The Plus tier costs $15 per user, per month, plus a platform fee based on the size of your team, while Ramp Enterprise offers custom pricing.

That said, the free Ramp tier also includes access to many of the platform’s products, including:

• Travel & Expense: Implement expense tracking and basic approval policies, answer policy questions over SMS, manage travel bookings, and automate receipt collection and matching for each virtual card.
• Accounts Payable: Extract data from invoices, automate basic approval workflows, and pay bills through methods like ACH and credit card. 
• Treasury: Earn 2% in a business bank account or 3.87% in an investment account with no fees, minimum deposits, or transfer caps. 
• Accounting: Support basic accounting rules and integrate with QuickBooks Online or Xero.
• Expense Reporting and Vendor Management: Track vendors and spending and compare vendor contract pricing.

Keep in mind that many of these products also have limited features at the Free tier.

Ramp Plus pricing and what you get for $15 per user

Ramp’s Free tier can be an attractive option for small businesses and startups with relatively straightforward finances. However, you may need to upgrade to Ramp Plus if the Free tier’s limitations get in the way of your ideal workflows.

As mentioned above, Ramp Plus has a monthly subscription fee of $15 per user, per month. If you add an additional user seat partway through the month, you’ll pay a prorated amount based on the days remaining in the period.

For example, say you have 10 user seats in December and add another 10 halfway through the month. Here’s how billing for the month would work:

$15 per month x 10 seats = $150 for existing users

$15 per month x 10 seats x (15 ÷ 30 days) = $75 for additional users

$150 for existing user + $75 for new users = $225 for the month

Here’s what you can expect in return for upgrading to Ramp Plus from the Free tier:

• Corporate Card: Automatically lock individual employee cards when they fail to submit documentation for expenses.
• Travel & Expense: Implement advanced approval policies, customize travel policies, limit reimbursement spending, and deploy AI agents.
• Accounts Payable: Benefit from advanced approval routing, automated batch payments, payment release approvals, and three-way matching.
• Accounting: Support advanced accounting rules, integrate with more software, and leverage AI-assisted coding.
• Expense Reporting and Vendor Management: Unlock custom expense reports, budgeting, price intelligence, contract extraction, and automatic vendor tracking.
• Global: Pay card statements, set spending limits on each employee card, automate tax capture, and provide reimbursements in local currency.
• User Management: Customize user roles, fields, and multi-entity restrictions.

Hidden fees to watch for with Ramp

Some corporate cards that appear free at first glance carry hidden fees that can be costly, especially if you’re not aware of them. For example, that may include charges for late payments, foreign transactions, or additional virtual cards.

Of these, the only one you’ll have to watch out for with Ramp is a currency conversion fee. That’s what its card agreement calls the 3% fee the platform charges for processing transactions you initiate in a foreign currency.

Otherwise, you don’t need to worry about hidden fees with Ramp. As of December 2025, there are no late fees, over-limit fees, or interest charges. However, Ramp has the right to change its cardholder terms at any time.

Keep in mind that Ramp does charge various fees for its other products and services. For example, that includes a $20 fee for international payments via Bill Pay, $10 for same-day ACH payments, and $0.65 per 1099 filing.

How Ramp card costs compare to Brex and BILL Divvy

Brex and Bill Divvy are expense management platforms similar to Ramp that often appear alongside it on lists of the best corporate credit cards. If you’re deliberating between these options, pricing may be one of your main concerns.

The Ramp corporate card costs nothing to use at the Free tier, with the sole exception of the 3% foreign transaction fee. Brex and Bill Divvy also provide free access to their cards, but their one-off fees differ significantly.

In Brex’s case, there are no foreign transaction fees, but you may incur late fees equal to 2.99% of the delinquent balance or $38, whichever is higher. Importantly, it imposes this fee each month that your balance remains outstanding. 

If Brex agrees to let you pay back what you owe with an installment plan—which lasts at least six months—it’ll charge you an extended repayment fee of up to 10% of the balance instead.

BILL Divvy’s charges are more extensive. Here’s what you can expect them to charge you for, according to its most recent card agreements:

• Late payments: Like with the Brex card, this is equal to the greater of 2.99% of your delinquent balance or $38.
• Returned payments: If you make a payment toward your card that is rejected, including for nonsufficient funds, BILL Divvy charges $38.
• Foreign currency transactions: Depending on the partner bank issuing your specific account, BILL Divvy may charge 0.20% or 0.25% for transactions in foreign currencies. This fee is subject to change.
• Cross-border transactions: Depending on the partner bank, BILL Divvy may also charge a 0.90% or 1.35% fee for transactions outside of the U.S.

Ramp card requirements and how to qualify

To qualify for the Ramp business card, your company must meet the following requirements:

• Be registered in the U.S.
• Be a corporation, limited liability company, or limited partnership, including non-profits (no individuals or sole proprietors)
• Have at least $25,000 in cash in any U.S. business bank account linked to your application
• Have most of your operations and corporate spending in the U.S.
• Have a physical address located in the U.S. (not a PO box, virtual office address, registered agent address, or mail-forwarding address)

If you qualify, the credit limit on your corporate charge card will primarily depend on the strength of your finances, including your annualized revenue, cash flow, and live bank account balance.

Note that Ramp doesn’t initiate a personal credit check on your credit score like a traditional credit card issuer.

How Ramp makes money if the card is free

In addition to the money Ramp makes from Ramp Plus subscriptions, the platform receives a portion of the interchange fees you generate each time you use your Ramp card. These are small charges that merchants owe for each card payment they accept.

Ramp uses this money to cover its own transaction costs and fund rewards. However, it shares these fees with Visa, Ramp’s card network partner, and the merchant’s bank.

In addition, Ramp earns income from the various transaction fees it charges for things like currency conversions and international or same-day ACH transfers.

Is Ramp worth the cost for your business?

Because Ramp is available for free, it can be well worth using for businesses looking to streamline financial management with tools like corporate charge cards. However, the math becomes more complex when you consider upgrading to a paid tier.

Whether Ramp Plus or Enterprise is worth the cost for your business depends on how much value you’ll get from the platform’s additional features. 

It’s also important to compare that to the value you can expect from other corporate charge cards and startup credit cards.

For example, our AI business credit card is also free with every Zeni subscription and has powerful automation features. That includes AI-powered capabilities of matching receipts to transactions and reconciling your books.

Ultimately, the best choice comes down to evaluating which platform's features align most closely with your specific business needs and financial workflows.

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