Customers who switched from American Express to Ramp

Shared American Express corporate cards were the default for business spending for decades. But as companies scale, the lack of per-employee controls, real-time visibility, and integrated expense management becomes a real limitation.

The three companies below made the switch to Ramp. Their stories illustrate what changes when your corporate card program actually works with your expense, AP, and accounting workflows.

Why companies outgrow shared corporate Amex cards

American Express corporate cards have been a default choice for business spending for decades. The brand carries trust, the rewards programs are solid, and acceptance is widespread. Yet as your team grows, the shared card model starts to create friction that's hard to ignore.

The card itself isn't the problem. The issue is what's missing around it. When multiple employees share the same card number, you lose the ability to set individual spending limits. You can't see who bought what until the statement arrives weeks later. And if that shared number gets compromised, every transaction tied to it is at risk.

None of this means Amex is a bad choice. It often means your company has grown past the point where shared cards and manual tracking can keep up. When you're ready for per-employee controls, real-time visibility, and automated expense management, exploring a unified spend management platform makes sense.

The three teams below reached that inflection point. Their stories show what's possible when the tools finally match the workflow.

Sandboxx: consolidated three financial tools into one

The challenge

Sandboxx ran on multiple shared American Express cards spread across the organization. The company didn't have a dedicated finance team, so founder and CEO Sam Meek handled card management himself—spending about two hours every month tracking down receipts, matching transactions, and figuring out who spent what.

The shared card setup also created blind spots. Certain spending categories remained essentially invisible until statements arrived. Employee benefit programs sat at just 30% utilization, partly because the administrative burden made them difficult to manage without dedicated support.

How Ramp solved it

Ramp replaced shared cards with individual corporate cards for each employee. Virtual cards now handle vendor-specific purchases, and a spending hierarchy enforces thresholds automatically. Real-time dashboards replaced the monthly guessing game of statement-based tracking.

Expense management became self-service rather than founder-managed. Stipend programs for employee benefits became easier to administer through Ramp's spend programs, helping drive utilization up from that 30% baseline.

The results

• Monthly time savings: 10+ hours reclaimed across all financial tools
• Systems consolidated: 3 platforms into 1
• Benefit utilization: Improved significantly from 30% baseline
• Card management: From shared cards to individual employee cards with controls

"The amount of time that Ramp saves the stakeholders of the company is pretty remarkable." — Sam Meek, Founder and CEO

Read the full Sandboxx story →

Eight Sleep: recovered 80 hours a month

The challenge

Eight Sleep's finance team ran into a problem that plagues fast-growing companies: software subscriptions were multiplying faster than anyone could track. Their American Express corporate cards offered no reliable way to monitor recurring SaaS costs. Zombie subscriptions—tools still billing for employees who had left—kept piling up unnoticed.

The separate expense management platform they used alongside Amex wasn't helping either. Employees found it confusing, which meant constant questions landing in the finance team's inbox. And when GL coding errors happened at card issuance, the only fix was manual journal entries after the fact.

How Ramp solved it

Ramp consolidated everything into a single platform. The finance team now issues unlimited virtual and physical cards with department-level controls. Savings Insights automatically scans for duplicate charges and price increases, surfacing over $590K in recoverable spend—including more than $5,000 on AWS alone from duplicate charge detection.

Real-time GL coding correction eliminated manual journal entries. Automated expense reporting with receipt capture cut the back-and-forth with employees. And accounting automation meant that closing the books became significantly less manual.

The results

• Total savings: $2.8M from spend controls, cashback, and the elimination of legacy tools
• Recoverable spend surfaced: $590K+ via Savings Insights
• Finance team time savings: 80+ hours/month recovered
• Automated coding: >94% of transactions coded automatically

"Ramp was a complete game changer. It’s a single platform that can handle every aspect of our spend." — Matteo Franceschetti, CEO

Read the full Eight Sleep story →

WizeHire: closed the books 7 days faster

The challenge

WizeHire took the shared card model to its logical extreme: one American Express card for the entire company. Every employee, every department, every transaction ran through a single card number. The fraud exposure alone was significant—one compromised transaction could cascade across thousands of others.

Beyond security, the lack of spend controls meant leadership spent time chasing receipts and flagging unauthorized purchases. Month-end close stretched to 12 days. Visibility into critical spending like advertising came a full month after close—far too late to inform any real decisions.

The company briefly tried another payment solution, but it shut down mid-pandemic—which accelerated the search for a more established platform.

How Ramp solved it

Now every employee carries their own corporate card with automated spend management and department-level coding. Real-time visibility means the team sees ad spend the next day, rather than waiting a month after close. Accounting automation and ERP integration transformed the entire close process.

The finance team recently completed a full financial audit—a process that could have taken months of gathering collateral. With Ramp, everything was furnished and tied to the ERP.

"The savings we’ve realized with Ramp mean everything in terms of not only revenue return on the investment, but also operations in general." — Sid Upadhyay, CEO

The results

• Month-end close: Reduced from 12 days to 5 (7 days saved)
• Ad spend visibility: Next-day reporting vs. one month after close
• Fraud exposure: Eliminated single-card risk across the company
• Financial audit: Completed efficiently with all data tied to ERP

Read the full WizeHire story →

Common patterns when teams switch from shared cards

A few themes emerge across these stories. The teams weren't necessarily unhappy with Amex—they'd simply reached a point where shared cards and manual tracking couldn't keep pace with their company's growth.

The shift isn't about finding a "better" card in the abstract. It's about finding the right fit for where your finance operations are today and where they're headed over the next few years.

See why teams are making the switch

Finance teams at Sandboxx, Eight Sleep, and WizeHire made the move to Ramp because they wanted more than a corporate card. They wanted a platform that could handle corporate cards, expense management, accounts payable, procurement, and accounting automation in one place.

If you're evaluating what comes after shared corporate cards, the biggest question isn't which card has the best rewards — it's whether you want another card or a platform that handles the full picture. Try an interactive demo to see how Ramp works, or explore more customer stories to see how other finance teams have made the switch.