Richard Moy

Richard Moy

Finance Writer, Ramp

Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.

Articles by Richard Moy

Best 0% intro APR credit cards

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Best 0% intro APR credit cards

Compare the best 0% APR credit cards for purchases and balance transfers, including intro periods, fees, rewards, and business options.
The best instant or pre-approved business credit cards in March 2026

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The best instant or pre-approved business credit cards in March 2026

Discover the top instant or pre-approved business credit cards. Get the best options for business credit card pre-approval and find your perfect fit.
Which high-limit business credit card is right for you? March 2026

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Which high-limit business credit card is right for you? March 2026

The best high-limit business credit cards combine purchasing power with other benefits, like built-in expense management. See our top picks.
Cash basis accounting: A complete guide with examples

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Cash basis accounting: A complete guide with examples

Cash basis accounting records revenue when cash is received and expenses when paid, offering a simple way to track income and manage taxes.
Cash vs. accrual accounting: What's the difference?

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Cash vs. accrual accounting: What's the difference?

Cash accounting records transactions when cash moves. Accrual accounting records them when earned or incurred, regardless of payment timing.
How does cashback work on credit cards?

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How does cashback work on credit cards?

Cashback credit cards return a percentage of your purchases as rewards you can redeem as statement credits, bank deposits, or gift cards.