Revenue-based underwriting, no PG, spend management built in.
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ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Revenue-positive startups that want no personal guarantee plus real-time expense controls and accounting integration at $0 annual fee.
Ramp Corporate Card — Revenue-based underwriting, no PG, spend management built in. Best for: Revenue-positive startups that want no personal guarantee plus real-time expense controls and accounting integration at $0 annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Ramp is a charge card — the full balance is due each billing cycle, unlike a revolving credit card that lets you carry a balance. Ramp underwrites on business revenue signals rather than the owner's personal FICO score, meaning no personal guarantee is required. It bundles $0 annual fee, 1.5% flat cash back, and a built-in spend-management platform that replaces paid expense tools like Expensify or Concur. Verify current terms at ramp.com.
No. Ramp's underwriting is based on your business's financial signals — revenue, cash flow, and banking activity — not the owner's personal credit score. This means the owner's personal assets and personal credit are not at risk if the business defaults on the card balance. The no-personal-guarantee structure is one of Ramp's primary appeals for LLCs and corporations that want to preserve the liability shield.
Ramp offers 1.5% flat cash back on all eligible purchases. The rewards rate is straightforward — no category multipliers to track, no annual fee to offset. For businesses with spend concentrated in Ramp's flat-rate categories, 1.5% unlimited is competitive. For businesses with heavy travel or advertising spend, cards with 3–5× category multipliers (like Brex or Chase Ink Preferred) may yield higher total rewards. Confirm current rewards terms at ramp.com before applying.
Yes. Ramp integrates natively with QuickBooks Online, Xero, NetSuite, Sage Intacct, and other accounting platforms. Transactions sync automatically with GL coding, receipt matching, and approval workflows built in. For businesses that currently pay for separate expense-management tools, Ramp's built-in platform can eliminate that cost — the $0 annual fee plus accounting-integration value is part of the Ramp ROI calculation.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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