Ramp Corporate Credit Card
Enjoy spending limits up to 20x higher, fast approval in less than 48 hours, no annual fees, and integrated expense management for your business.
The Ramp Corporate Credit Card is a strong choice for businesses looking for true flexibility and high spending potential. With no annual fee, dynamic high limits up to 20 times more than traditional cards, and approval based on your business cash flow rather than your personal credit score, this offer is ideal for growing companies. Interest is not charged, as the full balance must be paid each month, ensuring your business avoids costly debt. Approval commonly takes less than 48 hours, allowing you to access the funds you need quickly.
How to Apply: Step-by-Step Guide
- Verify your business entity and ensure you meet minimum revenue criteria.
- Prepare your business bank account connection for real-time evaluation.
- Complete a short online application with basic company information.
- Receive approval—often in under two days—if your financials meet requirements.
- Access your high-limit Ramp cards and start managing employee spend efficiently.
Pros of the Ramp Corporate Card
One major advantage is the exceptional credit limit, which adjusts in real time with your business growth. No annual, late, or foreign transaction fees make this card cost-effective. Automated accounting integrations help streamline expense tracking, making month-end reconciliation smooth for finance teams.
The application process is fast and straightforward, requiring no personal credit check or personal guarantee. With additional perks like flat-rate cashback and generous rewards, the Ramp card is designed for efficiency and scalability.
Cons to Consider
The Ramp card requires full monthly repayment, so it suits companies with consistent cash flows. Immediate liquidity is needed to pay off the balance entirely every month, which may not fit all business models.
U.S.-based operations are required for eligibility, meaning some Canadian businesses might not qualify. Other drawbacks include a lack of premium travel perks compared to some competitors.
Final Verdict: Is Ramp Right for Your Business?
If your priority is high spending power, automation, and cost savings, Ramp is hard to beat. Businesses that can consistently pay in full each month and manage growth will benefit most from this leading high-limit corporate card option.
