Ramp Business Credit Card review: Smart corporate spending with no personal guarantee

Ramp business card overview

The Ramp Business Card is a corporate charge card issued by Ramp Financial, a financial services platform founded in 2019. The Visa® network powers it, so it’s sometimes referred to as the Ramp Visa Corporate Card.

Unlike many traditional business credit cards, Ramp focuses heavily on software and automation. It combines a charge card for business owners with built-in expense management tools to help companies track, control, and optimize spending.

Our Ramp Card review takes a deeper dive into everything the card has to offer, but here’s a quick peek at the basics:

Card type: Corporate charge card (must be paid in full)
Network: Visa
Target audience: Incorporated businesses, LLCs, and partnerships
Not available to: Sole proprietors

Key features and benefits

Ramp stands out by blending payment functionality with automated financial management.

No personal guarantee or credit check

One of the biggest draws of the Ramp corporate card is that it doesn’t require a personal guarantee or personal credit check. That makes it attractive to founders who want to keep their personal and business finances separate, especially those with limited or weak personal credit histories. Instead of reviewing your personal credit, Ramp states that it evaluates your company’s financial health. 

If you’re searching for a business credit card with no personal guarantee or a corporate card with no credit check, Ramp is one of the more well-known providers in this space.

Automated expense management

Ramp isn’t just a payment card—it’s an automated expense management card.

Features include:

• AI-driven expense categorization
• Real-time transaction tracking
• Automatic receipt matching
• Policy enforcement
• Integrations with accounting platforms like QuickBooks, Xero, and NetSuite

The platform flags unusual spending, enforces company policies, and reduces manual bookkeeping work. Businesses with multiple employees making purchases can save hours of busy work each month.

Unlimited virtual cards

Ramp offers unlimited virtual business credit cards at no extra cost, making it easy to create cards for specific vendors (such as ad platforms or software subscriptions), assign them to individual employees, and set custom limits. Ramp also gives you the ability to freeze or cancel cards if needed instantly.

This level of control is especially helpful for startups and growing teams managing recurring software and marketing spend.

Spending controls and restrictions

Ramp gives administrators strong control over company spending. You can set custom spending limits and approval workflows, add merchant category restrictions, and create department-level budgets.

These tools help prevent overspending and improve accountability across teams.

Ramp Card rewards and cash back

How to earn rewards

Ramp offers up to 1.5% cash back on all purchases with no category restrictions. Your cash-back rate will depend on your company’s creditworthiness and financial profile.

Unlike some traditional business credit cards that earn rewards, there are no rotating categories or bonus spending tiers to track.

How to redeem rewards

You can redeem Ramp business card rewards for:

• Statement credits
• Direct deposits into your business bank account
• Payments toward subscriptions and fees (such as Ramp Plus, the platform’s premium edition, or bill pay fees)
• Airline and hotel loyalty points
• Gift cards
• Charity donations

The redemption process is straightforward, with no complicated point transfers or travel portals. You can easily view your earning and redeeming activity online in the platform’s rewards dashboard, and cash-back rewards do not expire.

Does Ramp Card offer a welcome bonus?

Ramp offers welcome bonuses ranging from $250 to $1,000, depending on the promotion. Offers may vary and can change over time. In most cases, the bonus doesn’t require a traditional minimum spending threshold—but specific conditions may apply. Bonus eligibility requirements, such as minimum spend or funding thresholds, vary by promotion. Because welcome offers fluctuate, it’s best to confirm the current promotion directly with Ramp during the application process.

Ramp Credit Card fees and rates

Ramp keeps its fee structure simple:

• Annual fee: $0
• Additional employee cards: $0
• Virtual cards: $0
• Foreign transaction fees: None
• Late payment fees: May apply if the balance isn’t paid as required
• Interest rate: N/A (since it’s a charge card, you must pay the balance in full each month)
• Payment terms: Automatic debits from your connected bank account, with the option for manual payments

Since this is a charge card for business, you must pay your balance in full at the end of your statement period. If you need to carry a balance month to month, this isn’t the right card for you.

Eligibility requirements

Ramp is not open to every business type. To qualify, you must:

• Be an incorporated business, LLC, or partnership in the U.S. (sole proprietors and unregistered businesses aren’t eligible)
• Maintain at least $25,000 in a U.S. business bank account
• Have most of your operations and spending in the U.S.
• Have a physical address in the U.S. (PO boxes, virtual office addresses, registered agent addresses, or mail-forwarding addresses aren’t allowed)
• Meet Ramp’s internal business creditworthiness standards

Ramp will evaluate your business’s cash balance, revenue patterns, and financial stability.
No personal credit check or guarantee is required, making the card ideal for owners with less-than-perfect personal credit profiles. 

Ramp business card vs competitors

Ramp vs. Brex

Brex is another corporate card provider targeting startups. The Brex business credit card is similar to Ramp in that it doesn’t require a personal guarantee and works as a charge card. Brex also offers strong expense management tools and virtual cards, and the rewards you’ll earn are flexible with multiple redemption options.

That said, there are significant differences to consider if you’re comparing Ramp vs Brex. For example, the Brex card earns bonus points in several categories, such as rideshare and travel, which you’ll need to keep track of. Brex also requires a minimum of $50,000 in a linked business bank account to apply, which can be prohibitive for smaller businesses. The right card for you may boil down to your preference of reward structure and which platform integrates better with your existing tools.

Ramp vs. Chase Ink Business Unlimited

The Chase Ink Business Unlimited® is a traditional, no-annual-fee business credit card. Because approval is based on business financials rather than personal credit scores, it may appeal to owners who prefer not to rely on their personal credit. And, as a revolving credit card, you have the option to carry a balance. 

All purchases earn a flat 1.5% cash back, and the card offers a welcome bonus of $750 cash back after you spend $6,000 on purchases in the first three months of account opening. New cardholders can also take advantage of an introductory 0% annual percentage rate (APR) on purchases for 12 months from account opening (after that, a variable APR of 16.74%-24.74% applies). This offer is valid as of Feb. 26, 2026 and is subject to change. Rates, fees, and promotional offers are subject to change. See issuer terms and conditions for complete details

While the Ramp card is better for automation and corporate controls, the Chase Ink Unlimited may be a better choice if you want flexible repayment terms and traditional credit-building, with a stronger focus on rewards.

Ramp vs. American Express Blue Business

Among American Express business credit cards, the Blue Business Cash™ and Blue Business® Plus stand out for having no annual fee and generous, straightforward rewards earning. Like Chase, Amex requires a personal credit check and personal guarantee with these cards, and because they offer a traditional revolving credit structure, you can carry a balance.

With the Blue Business Plus, you’ll earn 2x American Express Membership Rewards® points on up to $50,000 in purchases per calendar year (then 1x). This card comes with a welcome offer of 15,000 points after you spend $3,000 on purchases in the first three months of account opening. This offer is valid as of Feb. 26, 2026 and is subject to change. Rates, fees, and promotional offers are subject to change. See issuer terms and conditions for complete details

Similarly, the Blue Business Cash earns 2% cash back on up to $50,000 in spending per calendar year (then 1%), and new cardholders can earn a $250 statement credit after spending $3,000 on purchases in the first three months of account opening. Both Blue Business cards also offer an introductory 0% APR on purchases for the first 12 months from account opening (followed by a variable APR of 16.74%-26.74%). This offer is valid as of Feb. 26, 2026 and is subject to change.

Again, Ramp is a stronger choice for expense management and no personal guarantee, but Amex may appeal more to businesses prioritizing rewards and cardholder perks, such as an introductory 0% APR.

Ramp credit card pros and cons

Who should get the Ramp business card?

The Ramp Business Card is an appealing option for owners who may not qualify for traditional business credit cards or who want a card that doesn’t require a personal guarantee. Its built-in, AI-powered expense management platform can streamline processes, and its cash-back rewards can put money back into your business.

That said, the Ramp Card isn’t a good fit for everyone. 

Ramp is best for:

• Incorporated businesses with significant monthly spending
• Companies needing robust expense automation
• Businesses with multiple employees who need cards
• Startups and growth companies avoiding personal guarantees

Ramp is not ideal for:

• Sole proprietors
• Businesses that need to carry a balance from month to month
• Companies with less than $25,000 in their business bank account
• Owners looking for travel perks and rewards

How to apply for the Ramp business card

Applying for the Ramp Business Card is straightforward. You’ll need to start with your business email address (Ramp won’t accept non-business email addresses) and gather some information including:

• Your employer identification number (EIN) — this is a legal requirement
• Personal address and information for one corporate officer, including the last four digits of their Social Security number (SSN) 
• Corporate formation details (ownership information and formation dates)
• Business address and information, including your business’s legal and DBA names
• Estimated monthly business card spend
• Business description (a brief description of your main products or services)
• Linked bank account credentials

When you’re ready to apply for the Ramp Card, follow these steps:

1. Complete the application through Ramp’s website
2. Securely connect your business bank account for verification
3. Provide company formation documents and business details
4. Undergo identity verification and financial review

Approval timelines vary, but many businesses receive decisions quickly — sometimes within one day. Once approved, the individual who filled out the application becomes the first Ramp Admin, who can start issuing virtual cards almost immediately or request physical cards for your team members. Admins can also set spending controls and policies, and integrate your business’s accounting software.

Ramp also provides live training sessions, on-demand sessions, and video walkthroughs to help you get set up. 

Ramp credit card alternatives

The Ramp Business Card is best described as a finance automation platform with a corporate card attached. If you value tight spending controls, automated bookkeeping, and keeping personal credit separate from business finances, Ramp could be a strong fit.

However, if you need flexible repayment terms or prioritize travel perks, a traditional business credit card may make more sense.

Be sure to compare your options carefully to find the best solution for your company’s stage and spending needs. If Ramp isn’t the right fit for your business, you’ve got plenty of other cards to consider, including:

• Revenued Business Card: No personal guarantee or credit check is required, but the card and its associated Flex Line functions more like a merchant cash advance (MCA) than a traditional credit or charge card.
• BILL Divvy Corporate Card: A charge card that doesn’t require a personal guarantee or credit check, it also earns rewards and comes with expense-management tools.
• The Business Platinum Card® from American Express: The Amex Business Platinum does require a personal credit check and guarantee, but it comes with a substantial welcome offer, generous rewards, and business/travel-oriented statement credits. 
• Chase Ink Business Premier® Credit Card: Another traditional business card with a hefty welcome bonus, at least 2% cash back on purchases, and flexibility to pay off eligible purchases over time.

Each of these serves a slightly different type of business owner. You can find more options in our guide to business credit cards for 2026.

Frequently asked questions