Ramp
Get up to 30x higher credit limits based on real-time cash flow, zero annual or foreign fees, and automated spend controls—perfect for businesses seeking to scale.
The Ramp Corporate Credit Card stands out for businesses looking for high spending power and advanced automation. With limits that can be 30 times higher than traditional business cards, Ramp tailors your limit to your business’s current cash flow and revenue. Enjoy zero annual fees, no foreign transaction fees, and flat-rate cash back on every purchase. Conditions typically require a strong cash flow and a business operating with a U.S. address.
How to Apply for the Ramp Card
- Ensure your business is an LLC or corporation with a U.S. address.
- Prepare your business banking details for a real-time cash flow review.
- Complete the online application on the provider’s website.
- Receive approval in as little as 48 hours—no personal credit check required.
Benefits of the Ramp Corporate Card
One of the main advantages is the genuinely high credit limit, which scales with your business’s revenues. Ramp also offers unlimited virtual and physical cards with tailored spend controls for your team.
Built-in accounting automations, including direct ERP integrations, help cut down on reconciliation time. The absence of annual or foreign fees and the straightforward cash-back program make it even more appealing to growing businesses.
Potential Drawbacks
Ramp requires U.S.-based operations, so Canadian businesses must have a U.S. legal and banking presence. The card must be paid in full monthly as there is no revolving credit.
Large, established businesses benefit most from Ramp. New startups or those with irregular cash flows might not get the highest limits or approval.
Final Verdict: Should You Apply?
The Ramp Corporate Credit Card is an excellent fit for businesses seeking flexible, high-limit spending and robust automation. Its cash-back rewards and no fees structure create tangible value if your company spends consistently and can pay off balances monthly.
Its seamless automation and team control features add real convenience, helping finance teams save time as they scale.
