How much does Ramp cost?

Ramp has a free plan at $0/user. Plus is $15/user/mo plus a platform fee that scales with team size (20% off on annual terms), and Enterprise is custom-quoted.

Is Ramp actually free?

The Free plan is genuinely $0/user. Paid features live on Plus, which adds a per-user charge and a team-size-based platform fee on top.

Does Ramp issue its own corporate cards?

Yes — Ramp issues corporate cards itself, so spend controls sit on the card rather than being reconciled after the fact.

Tool profile

Ramp: pricing and assessment

Ramp is a corporate-card-first spend management platform. The free tier includes unlimited physical and virtual cards, expense management via SMS/Slack, OCR invoice capture, and accounting rules for QuickBooks Online and Xero; the Plus tier adds NetSuite, Sage Intacct, and other ERP integrations with AI-driven approval automation.

Best for: US companies that want cards, expense management, and spend controls in one platform — starting free.

Last updated: July 23, 2026

Ramp pricing

Free plan at $0/user; Plus at $15/user/mo plus a team-size-based platform fee (20% off annually); Enterprise custom.

Plan	Price	Notes
Free	$0/user/mo	—
Plus	$15/user/mo + platform fee	—
Enterprise	Custom	—

Source: ramp.com · checked: 2026-08-25 — prices change; verify on the vendor's own page before deciding.

How Ramp compares

Anyone weighing Ramp is usually weighing something else at the same time. Below are only the differences we could verify against a source.

Ramp vs Navan

Navan: Navan Business: travel free up to 300 employees; expense free for first 5 users, then $15/user/mo. Enterprise: custom.

They match on every capability we verified — the decision comes down to pricing and fit.

Full Ramp vs Navan comparison →

Ramp vs Expensify

Expensify: Collect $5/member/mo. Control is custom-priced, quoted as low as $9 per active member/mo. Individuals can use New Expensify free (unlimited SmartScan, send/receive money, chat). Annual commitments and Expensify Card usage are discounted (card: up to 50% off).

They match on every capability we verified — the decision comes down to pricing and fit.

Full Ramp vs Expensify comparison →

Strengths and trade-offs

Strengths

Genuinely usable free tier including cards, OCR capture, and QuickBooks/Xero sync
Card-native controls: spend limits and policies enforced at swipe time, not at reimbursement time
Deep ERP coverage (NetSuite, Sage Intacct, Dynamics, Workday, Oracle) on paid tiers

Trade-offs

Built around its own card program — less compelling if you must keep an existing bank card program
Plus tier adds a team-size-based platform fee on top of per-user pricing
No Japanese-market compliance features (インボイス制度/電子帳簿保存法) — US/global focus

At a glance

Website: ramp.com
Integrations: QuickBooks Online · Xero · NetSuite · Sage Intacct · Acumatica · Microsoft Dynamics 365 · Workday · Oracle Fusion Cloud
Capabilities: JP Invoice System: not verified
JP E-Bookkeeping Act: not verified
Issues cards: Yes
SOC 2: not verified
Sources: [1] ramp.com

Other expense management options: Expensify · Navan · Zoho Expense · Rakuraku Seisan (楽楽精算) · Money Forward Cloud Expense (マネーフォワードクラウド経費) · TOKIUM (TOKIUM経費精算)

Frequently asked questions

How much does Ramp cost?: Ramp has a free plan at $0/user. Plus is $15/user/mo plus a platform fee that scales with team size (20% off on annual terms), and Enterprise is custom-quoted.
Is Ramp actually free?: The Free plan is genuinely $0/user. Paid features live on Plus, which adds a per-user charge and a team-size-based platform fee on top.
Does Ramp issue its own corporate cards?: Yes — Ramp issues corporate cards itself, so spend controls sit on the card rather than being reconciled after the fact.

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