Official Review: Ramp Checked by Vetteroo

Corporate cards and spend software for businesses: expense tracking, bill pay, invoicing, travel booking, accounting sync and a business checking account

Hand out cards with spending limits, staff text a photo of each receipt, Ramp matches it to the charge, and the expense syncs to your accounting software.

Seen on Ramp’s own product pages, help center and documentation, read November 2, 2026 (listed under Sources). We haven’t used Ramp ourselves.

• Corporate cards
• Expense management
• Bill pay
• Invoicing
• Travel booking
• Accounting sync
• Business checking

Apply online with a business email, your EIN and a linked business bank account.

QuickBooks Online and Xero on Free; NetSuite, Sage Intacct and more on Plus.

24/7 AI help center; chat, email and phone support.

• Company cards for staff
• Expense reports
• Paying vendor bills

Free; Plus $15/user/mo, checked November 2, 2026

Prices checked November 2, 2026, from Ramp’s own pricing page unless noted. Prices change often, so check the official page before you buy.

• Free: $0 per user a month, with unlimited cards, expense tracking, bill pay, invoicing and QuickBooks Online or Xero sync.
• Plus: $15 per user a month plus a platform fee based on team size; 20% off with yearly billing; adds AI expense reviews, more accounting integrations and multi-entity support. Free 30-day trial.
• Enterprise: custom price, billed yearly.
• Federal 1099 filings cost $0.65 each; state filing is free (official site, checked November 1, 2026).

• The Free plan includes unlimited physical and virtual cards.
• No personal guarantee required, by its own account.
• Receipts can be submitted by text or Slack and matched automatically.
• Syncs with QuickBooks Online and Xero on the Free plan.

• Strict eligibility: no sole proprietors, and at least $25,000 in a linked business bank account.
• Plus adds a platform fee on top of the per-user price, and that fee is not listed.
• Needs a business email address and a linked bank account to apply.

• Your card limit is set from the cash in your linked bank accounts or from your revenue.
• Ramp is a financial technology company, not a bank; its cards are issued by partner banks such as Celtic Bank and Sutton Bank.
• You can pay for Plus by ACH or with card rewards.
• Prices are in USD.
• Legitimacy signals we found: published pricing, partner-bank disclosures, a public help center, and its claim of 85,000+ finance teams as customers.

Registered U.S. companies that want cards plus expense and bill-pay software.

• Corporations, LLCs and LPs in the U.S. (or Canada) that want company cards and expense software in one place.
• Finance teams that want receipts, approvals and accounting sync automated.

• Not for sole proprietors, side businesses, or companies with less than $25,000 in the bank.

Brex

What it costs: Essentials $0 per user a month; Premium $12 per user a month (brex.com, checked November 1, 2026)

• want a free plan with unlimited cards and bill pay.
• want built-in QuickBooks Online or Xero sync from day one.

• want a cheaper per-user paid plan.
• prefer Brex’s travel and banking setup.

Ramp is a strong free choice for registered U.S. companies with at least $25,000 in the bank that want cards, expenses and bill pay in one place.

Prices can change often. Check official pages for current prices.

• Ramp's pricing, product pages and terms, read November 2, 2026
• Trustpilot, searched November 2, 2026 (no usable score for Ramp)
• Brex's details: read on its official pages on November 2, 2026 (comparison only; not reviewed)
• The other official and outside pages listed under Sources (links checked November 2, 2026)

We researched Ramp's official pricing, terms, product pages, help pages and outside reviews. We haven't used Ramp ourselves, so this is a research-based review, not a hands-on test.

• Ramp pricing
• Ramp help: applying and signing up (U.S.)
• Ramp (official site)
• Brex pricing