Ramp
ramp.com
Corporate card and spend management platform with AI-powered expense automation.
Quick Information
- Category:
- Business
- Pricing:
- Freemium
- Platforms:
- Web, iOS, Android
- Free Plan:
- Yes
- API Available:
- Yes
- Last Verified:
- September 2026
What Is Ramp?
Ramp is a corporate card and spend management platform using AI to automatically collect receipts, categorize expenses, detect out-of-policy spending, and sync to your ERP. The core product is genuinely free for qualifying businesses (no annual, monthly, or foreign transaction fees, up to 1.5% cash back on purchases), with paid tiers starting at $15/user/month for Plus and custom pricing for Enterprise — qualifying requires a $25,000 minimum US bank balance, with dynamic credit limits that fluctuate based on cash position.
Ramp's growth has been genuinely substantial: the company reached a $44 billion valuation after its June 2026 funding round and now serves more than 70,000 customers, reflecting real, large-scale market validation for AI-automated spend management as a category. Its AI-powered expense engine automates receipt collection through SMS, mobile app, and service integrations, with configurable approval workflows and real-time policy enforcement automatically flagging out-of-policy transactions as they happen.
It's aimed at businesses wanting genuinely free corporate cards and spend management with AI-automated expense tracking, receipt matching, and policy enforcement, with the $25,000 minimum bank balance requirement being an important qualifying detail for smaller businesses to check before assuming eligibility — the free core product's combination of no fees and cash back makes it a genuinely compelling default choice once that threshold is met. See our Finance & Accounting tools directory for related tools like Brex and Puzzle Finance.
What Can You Use Ramp For?
AI expense categorization
Automatically categorizes expenses and matches receipts using AI.
Automated policy enforcement
Flags out-of-policy transactions in real time using configurable approval workflows.
Corporate card management
Provides corporate cards with dynamic credit limits and cash back on purchases.
Ramp Features
- AI receipt collection and matching — Automatically collects receipts via SMS, mobile app, and integrations, then matches them to transactions.
- Real-time policy enforcement — Automatically flags out-of-policy transactions as they occur.
- ERP sync — Syncs expense and accounting data automatically to ERP systems.
Who Is Ramp For?
- Businesses meeting the $25,000 bank balance requirement — Uses the genuinely free core product for corporate cards and AI-automated expense management.
- Growing companies — Uses Plus or Enterprise tiers for advanced spend management as team size and complexity grow.
Ramp Pros & Limitations
What We Like
- Genuinely free core product with no annual, monthly, or foreign transaction fees
- Up to 1.5% cash back on all purchases, unusual for a genuinely free corporate card product
- Massive real validation — $44 billion valuation and 70,000+ customers as of June 2026
Limitations
- Requires a $25,000 minimum US bank balance to qualify for the core product
- Credit limits are dynamic and fluctuate with cash position, which may limit predictability for some businesses
- Advanced features require Plus ($15/user/month) or custom Enterprise pricing
Ramp Pricing
| Plan | Price | Main Features |
|---|---|---|
| Free (core) | $0 | No fees, up to 1.5% cash back, AI expense automation, $25K minimum balance required |
| Plus | $15/user/month | Advanced spend management features |
| Enterprise | Custom | Full feature set for larger organizations |
Pricing was last verified September 2026. Check the official website for the latest pricing.
AI Listing Jungle Ranking
- Global Rank:
- #87
- Overall Score:
- 78.6/100
- Monthly Users:
- –
- Rank Change:
- ▼ 26
This ranking reflects AI Listing Jungle's own independent scoring methodology and is not an endorsement by Ramp or its company. How Our Rankings Work
Frequently Asked Questions
Is Ramp free?
Yes, the core product is free for qualifying businesses with no fees, though a $25,000 minimum bank balance is required.
How much does Ramp cost?
Free for the core product; Plus starts at $15/user/month, plus custom Enterprise pricing.
What AI features does Ramp include?
Automated receipt collection and matching, expense categorization, and real-time policy enforcement.
How many customers does Ramp have?
More than 70,000, with a $44 billion valuation as of June 2026.
Our Take
Ramp's genuinely free core product — no fees plus up to 1.5% cash back — combined with massive real growth (70,000+ customers, $44B valuation) reflects strong market validation for AI-automated spend management.
Check the $25,000 minimum bank balance requirement carefully before assuming eligibility, since it's a real qualifying threshold rather than a formality.
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