Halocard vs Ramp

Halocard is a US-issued Visa credit card for customers in the US and 120+ countries: an individual signs up in under 5 minutes, verifies in under 3 minutes and makes a card, with no company to register and no bank balance to show. Outside the US? You don't need an SSN, a US address or a US bank account. Ramp is for companies. It needs a US-registered corporation, LLC or LP with at least $25,000 in a US business bank account you link, most of its operations and spending in the US, and a physical US address (not a PO box, virtual office or registered agent address), and it doesn't take sole proprietors or unregistered businesses. It does accept an owner or officer without a Social Security number if they send a passport and proof of address. Neither asks for a personal guarantee. Halocard doesn't offer company accounts. See supported countries

Halocard is a US-issued Visa credit card that spends the balance you load, with no credit line and no credit check. Ramp's Visa corporate card is a charge card: Ramp sets the limit as a share of the cash in your linked bank accounts, or from revenue, may raise or lower it at any time on risk, credit or compliance grounds, and debits the statement from that account each month. Ramp puts no cap on cards on any plan; Halocard's plans hold 3 to 60 at once. Halocard never reports to credit bureaus. Check merchant acceptance

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and never connects to your bank account. Ramp asks you to link a US business bank account when you apply, reads its balance to set your limit, and repays the card from it. You can also fund a Ramp Checking Account by ACH, wire or USDC on Base (USDC is not available to businesses in New York State), and its stablecoin card addendum describes a separate prepaid card funded by stablecoins held with a partner. See how to deposit

Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Ramp is not a bank, but its Ramp Checking Account, a deposit account at First Internet Bank of Indiana, gives you account and routing numbers, ACH, wire and real-time payments, and interest on your balance. You need a Ramp customer account to open one, its partner banks exclude some industries, and it doesn't take international wires in. Send and receive USD payments

Ramp's controls go further than Halocard's: you can limit a card by vendor or category, set approval workflows, and make single-use and auto-expiring cards. Halocard lets you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card, on an account for one person, with no team roles. Ramp uses your company's legal address as the default billing address on its cards. See card spending limits

Both work in person. Every Halocard can go in Apple Pay and Google Pay for tap to pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan. Ramp issues physical cards as well and says its cards work with both wallets. Set up Apple Pay and Google Pay

This is Ramp's strength and Halocard doesn't try to match it. Ramp bundles receipt matching, approval workflows, reimbursements, travel booking, bill pay and accounting automation, and its free plan includes QuickBooks Online and Xero. Halocard gives each card its own limit and shows every transaction as it happens, and transaction export is coming. If your finance team's main problem is month-end close, Ramp is built for that. Compare Halocard plans

Ramp pays cashback on card spending. Its rewards terms say Ramp sets the rate, and NerdWallet's 2026 review puts it at up to up to 1.5%. Foreign and non-USD purchases don't qualify, and you redeem it as a statement credit, cash in a Ramp Checking Account, gift cards or loyalty points. Halocard pays no cashback on purchases. What it pays is a referral commission: $5 to $25 a month for every friend you refer, for up to 12 months, and Essential is free with 3 referrals. See how referrals work

Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others, and with no credit line there is no interest and nothing to pay late. Ramp charges no annual card fee or interest. Its marketing says it charges no foreign transaction fee, but its payment card addendum allows a currency conversion margin of up to 3%, so its cells take the legal figure. Ramp's bill pay charges per payment, and waives the fees when you pay from a Ramp Checking Account. See all Halocard fees

Ramp's Free plan costs nothing per user and includes unlimited cards, bill pay and basic accounting integrations. Plus costs $15 per user a month plus a platform fee based on team size, with a 20% saving on annual billing, and Ramp lets you pay for it with ACH or your cashback. Halocard plans are $12, $15 and $75 a month, a flat price set by the number of cards, with no bank balance to hold. Essential is free with 3 referrals. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. Ramp lists chat, email and phone support on its Free, Plus and Enterprise plans, with priority support on Plus and Enterprise, and an AI assistant for instant help. Its Trustpilot reviewers describe support that is slow to solve problems. Visit the help centre

Ramp names its company, founders, issuing banks and the bank behind its checking account, and says it is a financial technology company, not a bank. Its 2.3/5 Trustpilot rating comes mostly from reviewers who describe slow support and late vendor payments. Halocard names its company, card issuer, account bank and founder. About Halocard