Ramp review

For US companies with $25,000 in the bank

Ramp is a spend management platform with a Visa corporate charge card, a free plan and cashback, and a good fit for US companies with at least $25,000 in a linked US business bank account that want expense software, bill pay and accounting integrations in one place.

Halocard is the better choice for individuals, freelancers and founders without a qualifying US company: a US-issued Visa credit card for customers in the US and 120+ countries, with no cash reserve and no bank account to link. Ramp sets your limit from the cash in your linked US bank accounts and repays the card from them each month. Its Free plan includes unlimited cards, and Plus is $15 per user a month plus a platform fee. It needs most of your operations and spending in the US. It is rated 2.3/5 on Trustpilot from 214 reviews. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each subscription or ad account and a billing address you choose on every card.

Pros

  • Pros: Unlimited physical and virtual cards on the free plan
  • Pros: No personal guarantee or personal credit check
  • Pros: Expense reports, receipt matching and approvals
  • Pros: Bill pay and a business checking account
  • Pros: Chat, email and phone support on every plan
  • Pros: Cashback, at a rate Ramp sets
  • Pros: Apple Pay and Google Pay

Cons

  • Cons: Needs $25,000 in a linked US business bank account
  • Cons: Most operations and spending must be in the US
  • Cons: Limit follows your linked bank balance
  • Cons: Currency conversion margin up to 3%
  • Cons: Rated 2.3/5 on Trustpilot from 214 reviews

How much does Ramp cost?

Free plan
$0/user/month
Plus plan
$15 per user a month, plus a platform fee
Platform fee
Based on team size
Foreign currency purchases
Conversion margin up to 3%
Bill pay by ACH
$0.59 a payment

Is Ramp legit?

Company and country
Ramp Business Corporation, USA
Registration or licence
Fintech, not a bank. Ramp Payments Corporation, NMLS 2371465
Card issuer
Celtic Bank, Fifth Third Bank, Sutton Bank, Lead Bank and Column N.A.
Trustpilot
2.3/5 (214 reviews)
Founded
2019

What Ramp reviewers report

Rated 2.3/5 on Trustpilot from 214 reviews. The most common complaints:

Support that doesn't solve problems

Complaints about support that repeats the same how-to email and staff who are hard to reach in working hours.

Customer service is lost with Ramp

“When problems arise they are quick to email you a how to that does not work. … Explain to them it did not work and get the same how to again.”

Trustpilot review, 15 September 2026

This company is awful

“From virtual reality to AI to outsourcing in the Philippines, they're impossible to reach during regular working hours.”

Trustpilot review, 20 September 2026

Onboarding and accounting sync trouble

Users report little help setting up and an accounting sync that would not work.

The platform is great but the…

“The platform is great but the onboarding is terrible. … I was given a success manager who informed us that he could only meet with us twice.”

Trustpilot review, 4 February 2026

Starting using Ramp in Q1

“However, they DON'T SYNC WITH QBO as believed. … Now I'm uploading transactions manually and trying to get my books in order.”

Trustpilot review, 25 June 2026

Want business cards without a cash threshold? Try Halocard

A US-issued Visa credit card that works like a debit card, with a separate virtual card for each subscription, ad account or tool. You choose the cardholder name and billing address on each card, and nothing connects to your bank account.

Do what you'd use Ramp's cards for, without the cash reserve.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

How does Halocard compare to Ramp?

Halocard is the better choice than Ramp for individuals, freelancers and founders without a qualifying US company. It is a US-issued Visa credit card for customers in the US and 120+ countries, with 3 to 60 cards by plan and no bank account to link. Ramp is the stronger choice if you qualify and want expense software, cashback and bill pay.

Better choice
Halocard		Ramp
EligibilityAdvantage: US residents and residents of 120+ countriesUS companies with $25,000 in the bank
Card typeAdvantage: US-issued Visa credit cardVisa corporate charge card
FundingAdvantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & CryptoA linked US business bank account
USD bank accountAdvantage: Your own US account and routing numberRamp Checking, at First Internet Bank
Spend management softwareCard controls and alerts; no expense softwareAdvantage: Expenses, bill pay and accounting integrations
RewardsNo cashback, but a monthly referral commissionAdvantage: Cashback on card spend
PricingAdvantage: From $12 a month, or free with 3 referralsFree plan; Plus $15 per user a month plus a platform fee
SupportAdvantage: Chat, email, and phone on every planChat, email and phone on every plan
Trust and transparencyAdvantage: A regulated US company and card issuerA named US fintech, not a bank
See Halocard as a Ramp alternative

Get a Halocard in under 5 minutes

Sign up from any web browser, with no app to install. Verify in under 3 minutes, add funds by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and pay anywhere Visa is accepted.

No company, cash reserve or bank account to link.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

Ramp FAQ

Is Ramp safe?

Ramp is a real US fintech, Ramp Business Corporation, founded in 2019 by Eric Glyman, Karim Atiyeh and Gene Lee and based in New York. Its cards are issued by US banks including Celtic Bank, and it describes itself as a financial technology company, not a bank. Its record with reviewers is weaker: it is rated 2.3/5 on Trustpilot from 214 reviews, where recent reviewers report slow support and late vendor payments.

What is Ramp?

Ramp is a corporate card and spend management platform. It combines a Visa corporate charge card with expense reports, receipt matching, reimbursements, travel booking, bill pay, procurement and accounting automation, and a business checking account.

How does Ramp pricing work?

The Free plan is $0/user/month with unlimited cards. Plus is $15 per user a month plus a platform fee based on team size, with a 20% saving on annual billing and a 30-day free trial. Enterprise is custom. Bill pay charges per payment, from $0.59 for an ACH, and waives the fee when you pay from a Ramp Checking Account.

Who qualifies for Ramp?

A company registered in the US, as a corporation, LLC or LP (nonprofits are welcome), with at least $25,000 in a US business bank account linked to the application, most of its operations and spending in the US, an EIN and a physical US address. Sole proprietors and unregistered businesses don't qualify.

Does Ramp require a personal guarantee?

No. Ramp says it doesn't ask founders to personally guarantee spending, and it runs no personal credit check. It looks at the company's cash balance, cash flows and revenue to set the business limit.

Is the Ramp card a credit card or a charge card?

A charge card. Ramp's corporate card is a Visa corporate charge card with a 30-day payback, and its statements are debited from your linked bank account each month. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check.

How much cashback does Ramp pay?

Ramp doesn't confirm a rate; its rewards terms say Ramp sets it. NerdWallet's 2026 review puts it at up to up to 1.5%. Foreign and non-USD purchases don't qualify, and you redeem cashback as a statement credit, cash in a Ramp Checking Account, gift cards or loyalty points.

Does Ramp charge foreign transaction fees?

Ramp's marketing says no, but its payment card addendum allows a currency conversion margin of up to 3% on purchases that clear in another currency. It shows the local amount and the dollar amount on each statement.

Who issues the Ramp card?

Several banks, by card: Celtic Bank, Fifth Third Bank, Sutton Bank, Lead Bank and Column N.A.. Its US Visa corporate card is issued by Celtic Bank, and by Column N.A. for US corporations operating globally, according to its site. It also issues in Canada, the UK and the EEA through other partners.

Can foreign-owned companies use Ramp?

Yes, if the company is registered in the US. An owner or officer without a Social Security number can apply with a foreign passport and proof of address. Ramp still wants most of the company's operations and spending in the US.

How is Ramp's credit limit set?

As a share of the cash in your linked US bank accounts, or through revenue-based underwriting. Ramp's payment card addendum says it and the issuer may increase or decrease the total limit at any time based on risk, credit or compliance considerations.

How long does it take to get approved for Ramp?

Ramp's blog says applications are approved in under 48 hours. You link a business bank account, give your EIN and one officer's details, and may be asked for a document and selfie check. Halocard is for individuals, who verify in under 3 minutes and can make a card straight away.

Is Ramp a bank?

No. Ramp says it is a financial technology company, not a bank. Its Ramp Checking Account is a deposit account at First Internet Bank of Indiana, and its cards are issued by partner banks.

Does Ramp work with Apple Pay and Google Pay?

Yes, Ramp lists its cards as Apple Pay and Google Pay compatible. Every Halocard can be added to Apple Pay and Google Pay too, and both can fund your Halocard balance.

Does Ramp have a free plan?

Yes. Ramp Free costs $0/user/month and includes unlimited physical and virtual cards, receipt matching, bill pay, reimbursements and QuickBooks Online and Xero integrations. NetSuite, Sage Intacct, AI approval recommendations and custom user roles need Plus.

Sources

  • Ramp, pricing and plans: ramp.com/pricing
  • Ramp, corporate cards: ramp.com/corporate-cards
  • Ramp, business banking: ramp.com/banking
  • Ramp, accounts payable and Bill Pay: ramp.com/accounts-payable
  • Ramp Help Center, qualifications to apply (US based): support.ramp.com/applying-and-signing-up-for-ramp-us-based
  • Ramp Help Center, Ramp Checking Account overview: support.ramp.com/ramp-checking-account-overview
  • Ramp Help Center, how to use cashback rewards: support.ramp.com/how-to-use-cashback-rewards
  • Ramp Help Center, how to update my company's address: support.ramp.com/how-to-update-my-companys-address
  • Ramp Legal, platform agreement: ramp.com/legal/customer-terms/platform-agreement/platform-agreement
  • Ramp Legal, payment card addendum: ramp.com/legal/customer-terms/services-terms/payment-card-addendum
  • Ramp Legal, rewards terms: ramp.com/legal/customer-terms/services-terms/rewards-terms
  • Ramp Legal, stablecoin card addendum: ramp.com/legal/customer-terms/services-terms/stablecoin-card-addendum
  • Ramp Legal, issuing bank schedule: ramp.com/legal/customer-terms/financial-institution-partner-agreements/issuing-bank-schedule
  • Ramp, best cashback business credit cards: ramp.com/blog/business-credit-cards-with-cashback
  • NerdWallet, Ramp Card review: nerdwallet.com/business/credit-cards/reviews/ramp-card
  • American Banker, Ramp CEO invites co-founder to share top job: americanbanker.com/news/ramp-ceo-invites-co-founder-karim-atiyeh-to-share-top-job
  • Wikipedia, Ramp (company): en.wikipedia.org/wiki/Ramp_(company)
  • Trustpilot, Ramp reviews: trustpilot.com/review/ramp.com

Disclaimer

Based on public information as of October 2026 (see Sources above); Ramp's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Ramp, its product names and its logos are trademarks of their respective owners. Their use here does not imply any affiliation with, sponsorship by or endorsement from Ramp. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.

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