Ramp 🧾 Service

What you get

Ramp is a spend-management platform: corporate cards, expense management, bills (AP), invoicing (AR) and a business account. The Free plan costs $0 per user per month; Plus is $15 per user per month plus a platform fee based on team size (20% off annually, 30-day free trial); Enterprise is custom. On its startup page Ramp advertises $350K+ in perks, including credits and discounts from partners such as AWS, Datadog, Notion, OpenAI, Google Cloud and Retool. Eligible operating cash in the Ramp business account earns a variable APY paid by First Internet Bank of Indiana; the separate investment account is not FDIC-insured and can lose value.

Who qualifies

Ramp's corporate card is offered to US corporations, subject to credit approval. Cards are issued in the US, Canada, the UK and the EEA (for global spending of US companies). Applying takes about two minutes and review one to two business days. If your accelerator is a Ramp partner you may be pre-qualified.

Good to know

• 1099 filing costs $0.65 per IRS filing on the comparison table.
• Ramp does not publish funding or balance thresholds on these pages; approval is case by case.
• Ramp is US-company focused; non-US founders need a US entity first.

• Customers can refer other companies from the Refer & Earn menu and receive a bonus as a virtual card once the referral qualifies.

Verdict

Excellent if you want strong spend controls and a big perks bundle at no cost. Pair it with a separate bank account if you want simple deposits and wires from day one.

1. Form a US corporation and open (or plan to open) a business bank account; Ramp can open one for you.
2. Apply on ramp.com (about 2 minutes).
3. Wait 1-2 business days for review and credit approval.
4. After approval, unlock the startup perks from your dashboard.