# 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.

Data retrieved: 2026-07-23

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

## 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 | — |

Data retrieved: 2026-09-22 · Source: https://ramp.com/pricing — 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.

Data retrieved: 2026-07-23 to 2026-09-22

- [Full Ramp vs Navan comparison](https://agent-door.com/compare/ramp-vs-navan)

### Ramp vs Expensify

Expensify: Free for all members (New Expensify: unlimited SmartScan, mileage, expense reports and chat, no company approval needed). Collect is $5/member/mo. Control is custom-priced; Expensify's own estimate is from $9/active member/mo on an annual subscription with the Expensify Card, $18 without the card, and from $18 with the card or $36 without on pay-per-use. Annual commitments and Expensify Card usage are the discounts (card: up to 50% off).

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

Data retrieved: 2026-07-23 to 2026-09-22

- [Full Ramp vs Expensify comparison](https://agent-door.com/compare/ramp-vs-expensify)

## 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

Data retrieved: 2026-07-23

## At a glance

- Website: https://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] https://ramp.com/pricing

Data retrieved: 2026-07-23

Other expense management options:

- [Expensify](https://agent-door.com/tools/expense-management/expensify)
- [Navan](https://agent-door.com/tools/expense-management/navan)
- [Zoho Expense](https://agent-door.com/tools/expense-management/zoho-expense)
- [Rakuraku Seisan (楽楽精算)](https://agent-door.com/tools/expense-management/rakuraku-seisan)
- [Money Forward Cloud Expense (マネーフォワード クラウド経費)](https://agent-door.com/tools/expense-management/moneyforward-expense)
- [TOKIUM (TOKIUM経費精算)](https://agent-door.com/tools/expense-management/tokium)

## Related pages

- [Best expense management tools](https://agent-door.com/tools/expense-management)
- [Navan pricing and review](https://agent-door.com/tools/expense-management/navan)
- [Expensify pricing and review](https://agent-door.com/tools/expense-management/expensify)
- [Ramp vs Navan](https://agent-door.com/compare/ramp-vs-navan)
- [Ramp vs Expensify](https://agent-door.com/compare/ramp-vs-expensify)
- [Ramp alternatives](https://agent-door.com/alternatives/ramp)
- [Expensify vs Zoho Expense](https://agent-door.com/compare/expensify-vs-zoho-expense)
- [Best electronic contract & e-signature tools](https://agent-door.com/tools/electronic-contract)

## 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.

Data retrieved: 2026-07-23 to 2026-09-22

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