Ramp
Finance & AdminFreemiumVisit Site
Corporate card + bill pay + expense AI on one platform. Free corporate card; bill pay free up to a generous monthly cap.
Overview
Ramp combines a corporate card, AP automation, and AI-driven expense management in a single product. The card and basic platform are free; usage-based fees kick in for high-volume bill pay or wire transfers. AI categorizes spend at swipe time, flags out-of-policy charges, surfaces duplicate vendor contracts, and chases receipts automatically. Following the Capital One acquisition of Brex in April 2026, Ramp is the leading independent SMB spend platform.
Pros & Cons
Pros
- Free corporate card with cashback
- AI categorization at swipe time
- Strong AP automation
- Now the leading independent SMB spend platform
Cons
- US-only
- Requires bank verification and history
- Some advanced features are paid