Ramp Pricing 2026: Free Tier, Ramp Plus, What You Pay

Ramp pricing plans

Ramp

Concur

Brex

Ramp has three plans: Ramp (free), Ramp Plus at $15 per user per month, and Ramp Enterprise (custom pricing). The free plan is not a stripped-down trial. It includes corporate cards, expense tracking, receipt capture, basic accounting integrations, and vendor price intelligence.

Ramp Plus adds multi-entity support, advanced approval workflows, custom fields, and expanded ERP integrations. It also unlocks procurement features and more granular spend controls. For most companies under 100 people, the free tier is enough.

Enterprise pricing is negotiated and typically includes dedicated customer success, custom integrations, and SAML SSO. Expect to pay materially more than Plus, but Ramp still undercuts Concur and Coupa at any size.

The $25,000 balance requirement

To get Ramp corporate cards, your business needs at least $25,000 in a linked business bank account. Ramp is a charge card, not a credit card. You pay balances in full every month, and Ramp underwrites based on your cash position, not a credit score.

This eliminates Ramp for seed-stage startups burning runway with less than $25K in the bank. If you are there, look at Brex (which offers credit, not debit) or Mercury for a debit card alternative. The balance requirement is a real gate.

If your company clears the threshold, the lack of credit interest charges is actually a benefit. You are not accumulating interest costs. The tradeoff is less flexibility than a true credit line during cash-tight months.

Where Ramp earns back its cost

Ramp reports that customers save an average of 5% on spend through automated duplicate detection, vendor price benchmarking, and policy enforcement. That number is self-reported, but the vendor benchmarking feature alone has caught real overspend at many companies.

Ramp Plus at $15 per user per month pays for itself quickly if you have multiple entities or complex approval workflows that currently require manual work. A finance team spending two hours a week on expense reconciliation is losing more than the cost of Plus.

The free tier genuinely earns 1.5% cash back on purchases. No annual fee. No card fee. For a company spending $500K per year on the card, that is $7,500 back. That math makes Ramp free at the free tier while it saves money.

For the full feature breakdown beyond pricing, see our Ramp review.

Frequently asked questions

Is Ramp actually free to use? Yes, the base corporate card and expense platform carry no subscription or annual fee for most small businesses. Ramp makes money instead from interchange fees charged to merchants each time a Ramp card is swiped, split with Visa [Contrary Research, 2026].

What does Ramp Plus cost and what do you get? Ramp Plus costs $15 per user per month and adds advanced controls, priority support, and additional automation features on top of the free tier, with roughly a 20% discount available if you pay annually [Capterra, 2026].

How much does Ramp Enterprise cost? Ramp does not publish Enterprise pricing. It is custom-quoted based on total spend volume, number of legal entities, integration complexity, and support needs, so two similarly sized companies can get very different quotes [Vendr, 2026].

Have customers reported surprise fees at renewal? Yes. Multiple 2026 reports describe platform fees in the $5,000-$10,000 range appearing at contract renewal for organizations, including non-profits, that signed up expecting Ramp to stay free. Reviewers described this as poor communication rather than a fee hidden in the original contract [G2 review roundup, 2026].

Does Ramp charge extra for ACH or vendor payments? Core bill pay and card features are included in the free and Plus tiers. Ramp's primary way of monetizing free accounts is interchange revenue rather than per-transaction fees on card spend [Zeni, 2026]. Comparing against Brex as well? Our Brex pricing breakdown covers its Essentials and Premium tiers and who actually qualifies for each.