Pricing Deep-Dive · Verified 4 June 2026 Live-checked prices

Ramp Pricing 2026

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Quick answer (June 2026): Ramp Pricing 2026 pricing in June 2026: plans start at the entry tier with the most-quoted real-world cost being the published Pro/Standard plan. Hidden fees apply on per-seat add-ons and annual contracts. We track every pricing change and call out the traps below.

What you actually pay — not just the advertised number. We break down every plan, hidden fee, and real-world scenario.

4 plans 3 hidden costs identified Last verified 4 June 2026
All plans

Ramp plan breakdown

Feature Ramp Free Ramp Plus Ramp Enterprise Ramp Flex
Monthly price $0 $15/user/mo Custom/mo $0
Annual price $0 $12/user
Save 20% billed annually		 Custom $0
Users Unlimited Unlimited Unlimited Unlimited
Storage Unlimited cards Unlimited cards Unlimited Unlimited
Key features Unlimited virtual + physical cards Custom approval chains Custom spend controls Net-30 / net-60 payment terms
Users Expense management Advanced analytics Dedicated CSM Automatic bill payment
Support Bill pay free ERP integrations Advanced security + SSO Cash flow management
Support Email+chat Priority Dedicated Email
The fine print

Hidden costs to watch

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US-only
Ramp requires a US-registered business entity with a US bank account. Not available internationally.
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Revenue requirement
Ramp requires minimum $25,000 in your business bank account or $75,000/yr in revenue. Not for pre-revenue startups.
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Interchange income
Ramp earns revenue from credit card interchange fees — so the 'free' product is subsidised by merchants who accept your Ramp card.
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What you actually pay

True cost by team size

SMB, 10 employees user
$0/mo/mo
Free — unlimited cards, expense management, bill pay, receipt capture for 10 users
Ramp Free
Growth co, 50 employees users
$600/mo/mo
Plus at $12/user/mo × 50 users — custom workflows, advanced analytics, ERP sync
Ramp Plus
Enterprise, 200+ employees users
Custom/mo
Custom pricing — dedicated CSM, advanced controls, custom integrations
Ramp Enterprise
Common questions

Ramp pricing FAQ

Is Ramp really free?
Yes — Ramp's core product (cards, expense management, bill pay) is free. Ramp earns revenue from interchange fees paid by merchants, not from customers.
Who is Ramp for?
Ramp is for US-registered businesses with at least $25,000 in a business bank account. Not available for personal use, non-US companies, or pre-revenue startups.
What is Ramp Plus?
Ramp Plus ($12–15/user/mo) adds custom approval workflows, advanced analytics, enhanced ERP integrations (NetSuite, Sage Intacct), and priority support.
How does Ramp make money?
Ramp earns interchange fees — a percentage of each transaction charged to the merchant. This is how Visa/Mastercard card products generate revenue, making the card 'free' to the business.
Ramp vs Brex — which is better?
Both are free corporate card platforms for US businesses. Ramp focuses on cost savings and expense controls; Brex is better for startups and venture-backed companies. Ramp requires $25K in bank; Brex has fewer restrictions.
Ramp vs the field

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Ramp Pricing 2026 — Ramp is free for most businesses — it earns revenue from interchange fees.
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