About Ramp
Ramp is the modern corporate card and spend management platform that positions itself as the tool that actively saves companies money rather than just tracking spend. Its AI finds duplicate subscriptions, overpriced vendors, and negotiation opportunities, and in 2026 Ramp expanded into agentic AI with autonomous agents that flag unauthorized spend, automate invoice coding and approvals, and even track AI token spend across providers. Physical and virtual cards issue instantly with spending limits and category restrictions. Now valued at $44 billion and used by 70,000+ companies including Shopify, Uber, and Figma, Ramp remains completely free, earning revenue from interchange fees rather than subscriptions.
What's Great
- ✓Completely free — no monthly subscription fees
- ✓AI finds duplicate subscriptions and savings opportunities
- ✓Issue unlimited virtual and physical cards instantly
- ✓Real-time transaction visibility and receipt collection
- ✓Closes the books in 86% less time than traditional tools
Watch Out For
- !US-only at time of writing
- !Requires minimum revenue to qualify for cards
- !Less suitable for businesses needing petty cash reimbursements
Common Use Cases
Issue a virtual card to each vendor to track per-vendor spending automatically
Let Ramp's AI surface duplicate SaaS subscriptions and cancel the redundant ones
Give employees category-locked cards that can only be used for approved expense types
Pricing Model
Free
100% free to use — no credit card required.
Category
Expense Tracking
Track spending, manage corporate cards, and automate expense reports.
Tags