Unlimited virtual credit cards for your business.

Generate virtual credit cards instantly for any vendor, team, or subscription. Set spending limits, control access, and reduce fraud while staying in control of company spend.

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Instantly issue virtual cards to your team.

Provide virtual expense cards to employees for travel, software, or one-off purchases. Give your team instant access to funds without shipping physical cards or processing reimbursements.

Wellness

Track team and vendor spend as it happens.

Get real-time visibility into every transaction—organized by team, vendor, or category. Monitor spend, ensure compliance, and keep budgets aligned across departments.

Spend

Sync transactions directly to your accounting tools.

Ramp’s virtual credit cards automatically capture transaction details, and this data flows into your accounting software to eliminate manual entry and improve reporting accuracy.

Integrations
Accounting

Control spending with dedicated virtual cards.

Create vendor-specific cards with preset spending limits and auto-expiration dates. Cancel unused subscriptions, block unauthorized renewals, and deactivate compromised cards.

Control

Enforce expense policies automatically.

Set spending rules by amount, merchant category, or team. Auto-approve compliant purchases and flag exceptions for finance to review.

Expense

Add physical cards when needed.

Connect employees' physical and virtual Ramp cards in one system. Use physical cards for travel, meals, or in-store spend while keeping the flexibility and control of virtual cards.

Control

Set up shared funds for your team.

Create shared budgets for your team, events, or projects. Budget owners can manage access and monitor expenditures to ensure compliance.

Control

FAQ

A virtual credit card is a digitally generated payment method with its own number, expiration date, and security code, similar to a physical card. You can create one in seconds for any employee, vendor, or subscription. Each card comes with customizable controls such as spending limits, expiration dates, and merchant restrictions, all managed from your Ramp dashboard.

You can issue a virtual credit card in seconds. Select the cardholder, set limits and rules, and the card is ready to use. No shipping delays or approval bottlenecks.

Virtual cards isolate spending by person or vendor, reducing exposure if a card is compromised. You can cancel any card instantly, block specific merchants, and control where and how it’s used to reduce fraud.

Most businesses use them for recurring payments that need tight controls. You can set up virtual cards for software tools like Salesforce and HubSpot, dedicated virtual cards for AWS to manage cloud costs, virtual cards for Facebook ads to control marketing spend, or issue virtual cards for employees when they need to make purchases for their department. Each card gets its own budget and restrictions based on what it's meant to pay for.

No. Virtual cards are part of a corporate charge card program and won't affect your personal credit score. They're issued to your business and help keep company expenses separate from personal finances, which is great for founders, finance teams, and growing startups.

Create purpose-specific virtual cards with built-in controls. For example, assign a $200/month card to an employee for travel or a $50/month card to manage a single tool. You can set hard limits, restrict merchants, and automatically block any charges that exceed policy, so spend stays within guardrails.

Time is money. Save both.

Virtual Corporate Credit Cards for Business Expenses