Ramp is a accounting & finance tool for Small businesses and Enterprise, offered as freemium ($15/mo). Founded in United States in 2019. Popular alternatives include Expensify.
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.
| Plan | Price | Includes |
|---|---|---|
| Free | $0 | Cards, expenses, basic AP and AR |
| Plus | $15 / user/mo | Plus platform fee; 20% off annually; multi-entity |
| Enterprise | Custom | Workday/Oracle, global cards, dedicated AM |
Source: ramp.com · checked on Oct 20, 2026
How Ramp compares in Accounting & finance
- Rank by votes
- #1 / 22
- Starting price
- $15
- Free alternatives
- 0
0 votes from members
23% below the category median ($20/mo)
Free or open-source tools in Accounting & finance
Ramp ranks #1 of 22 accounting & finance tools by community votes and is priced below most tools in the category.
Common use cases
- 1Finance team closing books faster
- 2Company controlling SaaS spend
- 3Procurement approvals
- 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 a 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.
- 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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