Ramp is a free AI-powered corporate card and spend management platform that helps businesses control spending, automate expense reports and identify cost savings. Its AI automatically matches receipts to transactions, categorises expenses and syncs with QuickBooks, Xero and NetSuite — eliminating manual expense reporting entirely. Ramp's Savings Intelligence analyses company spending to identify duplicate subscriptions, unused software and vendor negotiation opportunities — customers report average savings of 3.5% on their total spend. Used by 25,000+ businesses.
Who is it for?
US-based businesses with multiple employees who have company spending to manage. Ramp makes money from interchange fees rather than software fees — making it free to use. It replaces corporate credit card programmes that lack spend controls and automation.
Key Features
💳
Corporate Cards
Virtual and physical corporate cards for every employee — with spend controls and limits per card.
🤖
AI Receipt Matching
AI matches receipts to transactions automatically — eliminates manual expense report filing.
💡
Savings Intelligence
AI identifies duplicate subscriptions, unused software and negotiation opportunities — averages 3.5% cost savings.
📊
Real-Time Spend
Real-time dashboard of all company spending — no waiting for month-end statements.
🔌
Accounting Sync
Syncs with QuickBooks, Xero, NetSuite and Sage — expenses coded and synced automatically.
✅
Approval Workflows
Configurable spend policies and approval workflows — finance team controls without micromanagement.
Pros & Cons
What we like
Free to use — Ramp makes money on interchange not fees
AI savings identification averages 3.5% cost reduction
Real-time spend visibility is genuinely transformative for finance
Auto-receipt matching eliminates expense reports
Strong accounting integrations
Trusted by 25,000+ businesses
Watch out for
US-only — not available internationally
Requires business bank account and entity
Brex has better startup perks and international coverage
Not suitable for businesses with poor credit history
Ramp is free to use — there are no software fees. Ramp earns revenue from interchange fees on card transactions. Enterprise features like advanced reporting and dedicated support have optional paid add-ons.
Ramp is better for established SMBs focused on cost savings and spend control — its savings intelligence and free pricing are strong advantages. Brex is better for VC-backed startups that need startup perks, higher credit limits based on funding and international card support. Both are excellent — the choice depends on your company stage and geography.