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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What is a virtual business credit card?

A virtual business credit card is a digitally generated card number linked to your account, with no physical card. It lets you pay online or via mobile wallet without exposing your actual card details, reducing the risk of unauthorized charges or theft.

Customize spending limits.

Give each virtual card its own limit by transaction, day, or month so no card can overspend.

Lock cards to a vendor.

Restrict a card to a single vendor or merchant category to block unwanted charges.

Set expirations or single-use.

Add an expiration date or issue a single-use card that automatically closes after one payment.

Freeze or cancel at any time.

Freeze, edit, or cancel any card in real time to shut down fraud or unused spend instantly.

Instantly issue virtual cards for employees.

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

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.

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.

Spend management

Track team and vendor spend as it happens.

“With Ramp's automation, I actually have the time to think about how to improve things, how to make things more efficient, how to make things better for employees.”

Richard Gobea

Finance Manager, Quora

How it works

A modern corporate card and software for easier spend and expense control.

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

Enforce expense policies automatically.

Set spending rules by amount, merchant category, or team. Auto-approve compliant purchases and flag exceptions for finance to review. Built-in rules ensure every virtual business card stays aligned with budget and policy.

Expense management

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. Seamlessly manage digital and physical business cards under one set of controls.

Corporate cards

Reduce fraud and protect your business

Every Ramp virtual card has its own unique number, making it easy to isolate spend and eliminate exposure if a card is compromised. Freeze or delete any card instantly, block restricted merchants, and use auto-expiring cards for one-time purchases.

Intelligence

FAQ

Businesses can create a virtual corporate card from their Ramp dashboard in seconds. Select a cardholder or vendor, set spending limits, and the card is ready to use immediately for online payments, subscriptions, or one-off purchases.

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.

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.

Yes. Most businesses create online credit cards for subscriptions like AWS, Salesforce, Figma, and ad platforms. Using a dedicated card per vendor gives you tighter control and visibility.