Ramp Corporate Card
No annual fees, no personal credit check, dynamic high-limit approvals, and robust cash-back rewards. Streamline business expenses for growing companies.
The Ramp Corporate Card stands out for Canadian businesses seeking powerful spending capabilities. This card offers exceptionally high credit limits, sometimes up to 20 times greater than traditional business credit cards. There are no annual fees, no foreign transaction charges, and no personal credit checks required. Ramp bases your spending power on your real-time business cash flow, which allows for instant approvals and automatic limit increases as your company grows. All card balances must be paid off monthly, keeping your business debt under control and avoiding interest charges.
How to Apply for the Ramp Corporate Card
- Check your eligibility—ensure your business is incorporated and U.S.-based with strong cash flow.
- Visit the Ramp website to access the application portal.
- Connect your business bank accounts for real-time cash flow analysis (no hard credit inquiry required).
- Fill out your business information and submit your application online.
- Get approval in as little as 48 hours and start issuing virtual or physical cards instantly.
Key Benefits of Ramp
Ramp delivers dynamic, high-limit approvals based on business performance. Its automation features seamlessly integrate with accounting software, slashing manual expense tracking time.
Flat-rate cash-back rewards on every purchase help maximize returns, especially on recurring business expenses like supplies, advertising, and payroll.
Drawbacks to Consider
The Ramp Corporate Card is currently limited to U.S.-based operations, so Canadian companies must have a U.S. legal entity and address to qualify.
Keep in mind that balances must be paid in full each month, making it less suitable for businesses seeking flexible payment terms or revolving credit.
Our Verdict
Ramp is ideal for rapidly growing companies with strong cash flow who value high limits, zero fees, and automated expense management. Its approval is fast and simple. For businesses with U.S. incorporation seeking to streamline spending, the Ramp Corporate Card offers industry-leading value and control.
