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Ramp

Finance automation with free corporate cards

Freemium · $15Accounting & finance
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Ramp is an accounting & finance tool for Small businesses and Enterprise, offered as freemium ($15/mo). Based in United States, founded in 2019. Popular alternatives include Expensify, Brex, DİA.

About Ramp

Ramp is a US finance automation company founded in 2019 in New York by Eric Glyman and Karim Atiyeh. It offers free corporate cards together with expense management, reimbursements, bill pay, procurement, travel booking and accounting automation, and it markets itself on helping companies spend less rather than on card rewards.

Cards come with per-employee and per-department limits, merchant restrictions and automatic receipt collection by text, email or integrations. AI codes transactions, enforces policy and drafts memos, and accounting syncs to NetSuite, QuickBooks, Xero, Sage Intacct and other ERPs. Bill pay handles invoice capture and approvals, procurement routes purchase requests, and price intelligence compares what you pay for software and vendors with what other companies pay. The core platform is free; Ramp Plus adds advanced procurement, custom approval workflows and deeper ERP features per user; Enterprise adds global and custom implementation.

Ramp fits US-incorporated startups and mid-market companies that want to close the books faster and control spending. It requires eligibility checks and is US-centric for cards and banking, so companies outside the US cannot use it as their main platform. Brex is the closest competitor with stronger global support, Navan pairs travel with expenses, and Expensify or Spendesk suit companies that need reimbursement-first or European coverage. Ramp has iterated quickly, and its free tier is hard to beat.

Key features of Ramp

  • Free corporate cards with controls
  • Expense automation with AI
  • Bill pay and procurement intake
  • Travel booking
  • Price intelligence and savings insights
  • Deep ERP integrations

Pros and cons

Pros

  • Free core product
  • Excellent automation
  • Savings insights
  • Fast product iteration

Cons

  • US-focused
  • Requires eligibility
  • Plus needed for advanced workflows
  • Rewards less generous than some cards

Ramp pricing

Ramp uses a freemium model. A 30-day free trial is available.

PlanPriceIncludes
Free$0Cards, expenses, basic AP and AR
Plus$15 / user/moPlus platform fee; 20% off annually; multi-entity
EnterpriseCustomWorkday/Oracle, global cards, dedicated AM

Source: ramp.com · checked on Oct 20, 2026

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How Ramp compares in Accounting & finance

Rank by votes
#1 / 27

0 votes from members

Starting price
$15

23% below the category median ($20/mo)

Free alternatives
1

Free or open-source tools in Accounting & finance

Ramp ranks #1 of 27 accounting & finance tools by community votes and is priced below most tools in the category.

Common use cases

  1. 1Finance team closing books faster
  2. 2Company controlling SaaS spend
  3. 3Procurement approvals
  4. 4Employee reimbursements

Best for

US startups and mid-market companies.

Not ideal for

Non-US companies.

Integrations

  • QuickBooks
  • NetSuite
  • Xero
  • Sage Intacct
  • Workday
  • Gusto
  • Rippling
  • Slack
  • Amazon Business

Our take

Ramp is the best free spend management for US companies.

FAQ

What is Ramp?
Ramp is an Accounting & finance tool: Finance automation with free corporate cards.
How much does Ramp cost?
Ramp uses a Freemium model; paid plans start at $15 per month.
What are the best alternatives to Ramp?
Community-listed alternatives to Ramp include Expensify, Brex, DİA, Mikro Yazılım.
Does Ramp have a free trial?
Yes, Ramp offers a 30-day free trial.
What does Ramp integrate with?
Ramp integrates with QuickBooks, NetSuite, Xero, Sage Intacct, Workday, Gusto and more.
Which platforms does Ramp support?
Ramp is available on web, ios, android.
Who is Ramp for?
US startups and mid-market companies.

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  • Expensify

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    Receipt scanning, expense reports and corporate cards for SMBs

    Freemium · $5Small businesses

    checked Oct 20

  • Brex

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    Corporate cards and spend management

    Freemium · $12Enterprise

    checked Oct 20

  • DİA

    ▲ 0

    Cloud ERP and accounting built for the web

    PaidSmall businesses

    checked Oct 20

  • Mikro Yazılım

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    Accounting and ERP software for Turkish businesses

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  • Uyumsoft

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    e-Transformation (e-invoice, e-ledger, e-waybill) and ERP for Turkish companies

    PaidSmall businesses

    checked Oct 20

  • Nilvera

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    GİB-approved Turkish e-invoice, e-archive and e-ledger integrator

    PaidSmall businesses

    checked Oct 20

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