Ramp Review, Pricing & Features

See how Ramp's corporate card and spend management platform works: pricing plans, features, 2026 funding at a $44B valuation, pros, cons, and FAQs.

Category
Payments
Pricing
Freemium (free core plan plus paid per-user tiers), from Free (Plus plan at $15 per user per month)
Verified
Not yet
Last updated
July 19, 2026
Founded
2019
Headquarters
New York City, New York, United States
Free PlanWeb AppiOSAndroidAI

Overview

Ramp is a fintech company offering corporate charge cards, expense management, bill payment, and AI-powered spend automation software for businesses of all sizes. Founded in March 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee and launched in February 2020, Ramp is headquartered in New York City with additional offices in Miami and San Francisco.

The company has scaled rapidly, crossing $1 billion in annualized revenue with positive free cash flow, and in June 2026 raised a $750 million Series F round at a $44 billion valuation led by ICONIQ, GIC, and Ontario Teachers' Pension Plan, bringing its total equity funding to more than $3 billion.

Key Features

At its core, Ramp issues unlimited physical and virtual corporate cards with granular, card-level spend controls, paired with automated receipt collection via OCR and real-time syncing to accounting platforms such as QuickBooks, Xero, NetSuite, and Sage Intacct. It also offers fee-free bill pay, FDIC-insured treasury accounts, and procurement and travel management tools.

Ramp has increasingly emphasized AI-driven automation, including AI-assisted expense coding, automated approval recommendations, and AI-powered custom reporting, positioning these capabilities as a central part of its pitch to finance and accounting teams looking to reduce manual work.

Pricing

Ramp's Standard plan is free for all businesses and includes unlimited cards, 1.5 percent cash back, basic expense management, and core accounting integrations. The Plus plan costs $15 per user per month (with a discount for annual billing) and adds multi-entity management, custom procurement approvals, HRIS integrations, and multi-currency bill payments.

The Enterprise plan offers custom pricing for large organizations, including dedicated account management, 24/7 priority support, custom API integrations, and SOC 2 Type II compliance reporting.

Key Features

Pros & Cons

Pros

  • Free Standard plan with no monthly fee covers core card and expense needs
  • Strong cash-back incentive (1.5 percent) on the free tier
  • Deep, real-time accounting integrations reduce manual reconciliation
  • Heavy, well-funded investment in AI-driven finance automation
  • No fees on wires or transfers across all plans
  • Backed by major institutional investors at a $44 billion valuation, signaling strong financial stability

Cons

  • Multi-entity, HRIS, and multi-currency features require the paid Plus tier
  • Enterprise pricing is not published and requires direct sales contact
  • Company employee headcount is not publicly disclosed
  • Primarily built for US-based businesses, with more limited international support than some global competitors
  • Advanced procurement and compliance features are reserved for higher tiers
  • As a fast-growing venture-backed company, product and pricing changes can occur relatively frequently

Pricing

Frequently Asked Questions

When was Ramp founded?

Ramp was founded in March 2019 by Eric Glyman, Karim Atiyeh, and Gene Lee, and formally launched to customers in February 2020.

How much is Ramp worth?

Ramp was valued at $44 billion following a $750 million Series F funding round announced in June 2026, led by ICONIQ, GIC, and Ontario Teachers' Pension Plan.

Is Ramp free to use?

Yes, Ramp offers a free Standard plan with unlimited cards, 1.5 percent cash back, and core expense management features. Paid Plus and Enterprise tiers add advanced functionality.

Where is Ramp headquartered?

Ramp is headquartered in New York City, with additional offices in Miami and San Francisco.

What accounting software does Ramp integrate with?

Ramp integrates with QuickBooks Online, Xero, NetSuite, and Sage Intacct, among other platforms.

How much does Ramp's Plus plan cost?

The Plus plan costs $15 per user per month, with an approximate 20 percent discount for annual billing.

Does Ramp charge fees for wires or transfers?

No, Ramp does not charge fees on wires or transfers across its plans.

How much revenue does Ramp generate?

CEO Eric Glyman has stated Ramp has crossed $1 billion in annualized revenue with positive free cash flow.

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