Ramp is an all-in-one finance platform for small businesses. It includes corporate cards, expense management, bill pay, accounting automation, and travel, replacing the patchwork of tools most small finance teams stitch together.

Ramp automates the full expense workflow. Card and reimbursable purchases are captured in real time, automatically coded and matched to receipts, then synced to your accounting software. You spend less time on manual entry and get a live view of where every dollar is going.

Ramp lets you set custom spend limits by team, department, or individual employee, with approval workflows and vendor-level controls layered on top. Limits can reset daily, monthly, yearly, or as a one-off, and are enforced automatically on every transaction, whether that’s a card swipe, reimbursement, or bill payment.

Yes. Ramp has built-in integrations with QuickBooks, Xero, NetSuite, Sage Intacct, and more. Transactions sync automatically with custom mapping rules, so the books stay clean without manual data entry.

Ramp has best-in-class integrations with accounting software like QuickBooks, Xero, NetSuite, and many more. Any transactions made with your Ramp card will automatically sync and be recorded in your accounting software. Plus, you can create custom mapping and rules—eliminating manual data entry and improving expense accuracy.

A traditional credit card allows you to carry a balance month over month—and charges interest. Ramp cards are a charge card, which means you can’t carry a balance, and there are no interest charges or fees. Plus, Ramp includes built-in expense management software, giving your small business time-saving features not available with traditional cards.

Ramp stands out from traditional business credit cards by offering more than just a way to pay. It’s an all-in-one finance platform that helps small businesses manage spend, streamline accounts payable, automate procurement, and more. You can also book and manage travel directly through Ramp, onboard vendors with built-in controls, and automate bill payments—all from the same platform.

With unified tools that eliminate manual work and improve visibility across teams, Ramp helps small businesses scale operations more efficiently while keeping costs under control.

Ramp reports on-time payments to the credit bureau Dun & Bradstreet, helping your business establish and strengthen its credit profile over time. Responsible use of your Ramp card—like staying on budget and paying in full each month—can signal creditworthiness and open doors to future financing opportunities or vendor terms.

A business credit card helps keep personal and business finances separate, making bookkeeping and tax prep easier. It also builds your business credit, which can improve your chances of securing loans or better payment terms. Many cards offer valuable perks—like cash back, discounts, or travel rewards—tailored to business spending.

Plus, tools like expense tracking, account summaries, and employee cards with controls make managing your finances much simpler.

Yes—Ramp cards do not require a personal guarantee. That means your personal credit won’t be at risk, and you won’t be personally liable for your business’s card balance. Instead, Ramp evaluates your company’s financial health and business performance to determine eligibility.

In general, some small business credit cards can affect your personal credit—especially if they require a personal guarantee or report activity to personal credit bureaus. For example, late payments or high utilization might show up on your personal credit report, depending on the card issuer.

However, the best new business credit cards should report to commercial bureaus, keeping your personal and business credit profiles separate. Ramp is one of those options; it does not report to personal credit bureaus, helping small business owners protect their personal credit whilebuilding their business credit independently.