A small business corporate card that does the heavy lifting.

Get more than just a card - Ramp’s business credit card for small businesses saves time, earns cash back, and automates the busywork you hate.

Simplify spend with a card built for your small business.

Ramp small business corporate cards provide easy-to-use software that helps you manage your expenses, pay your bills and close your books — plus provides an average savings of 5%1.

Get a corporate card with controls and cashback.

Save more with a corporate card and built-in controls that allow you to manage spending down to the vendor, plus simple rewards that put cash back into your bottom line.

Corporate card

Get business credit without risking your personal credit.

Most small business credit cards require a personal guarantee, putting your individual credit and finances on the line. Ramp doesn’t. Our corporate card is designed to support your business on its own merit — no personal credit checks.

That means your business builds credit independently, and you stay protected as you grow.

Get business credit without risking your personal credit

Manage travel spend from booking to book close.

Set smart approval workflows and customize guardrails — like per diem limits and hotel rates — to prevent out-of-policy spend. Designed to help small businesses stay in control from takeoff to reconciliation.

Travel
Manage travel spend from booking to book close

Take the effort out of employee expenses.

Give employees time back and increase accuracy with small business expense management software that simplifies everything — from capturing receipts to categorizing transactions.

Ramp streamlines the entire process so expense submission and reimbursement are fast and accurate.

Expense management software
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Automate accounts payable.

Ditch manual entry with AP automation built for small businesses. Ramp extracts invoice details, routes approvals with customizable workflows, and schedules recurring payments — so vendors get paid on time, every time.

Accounts payable software

Make accounting easy.

Ramp gives small businesses full visibility into every dollar spent and real-time insights through powerful reporting. Close the books faster with built-in integrations for QuickBooks, Xero, and more.

Accounting automation software
Make accounting easy

Why small businesses love using Ramp.

See why small businesses switched to Ramp — and how our corporate card saves them time and money.

"Having everything centralized and reducing the amount of time money is locked out in transition from place to place is huge. All told, Ramp has saved Roof Squad an upwards of 50 hours a week across expense management, AP, and treasury."
Alejandro Calderon
CFO, Roof Squad
Read customer story
"We’ve issued virtual and physical cards and really relied on the system to help us with tracking expenses and getting memos and receipts in. Ramp makes turning in receipts easy for employees—so they do it."
Jason Hershey
VP of Finance and Accounting, Hospital Association of Oregon
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"Our people love the ability to text their receipts, use the Ramp app, and make purchases without having to carry a physical card. We love Ramp. Honestly, it’s been our favorite thing."
Kaela Patrinely
VP of Finance, Skin Pharm
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With Ramp, we have complete control and governance over company-wide spend in real time...we can easily close expenses by the first week of the month versus the third or fourth week of the following month.
Nichole Horton
Controller, 8VC
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FAQs

Ramp's corporate card provides automated expense management tools that streamline the process of tracking and categorizing expenses. This will help your small business gain better visibility into spend, simplify expense reporting, and help make informed financial decisions.

Yes. With Ramp cards, you’ll be able to set custom spend limits across your small business—whether that’s by team, department, or individual employee. These limits are fully customizable, can reset daily, monthly, yearly, or as a one-off, and are automatically enforced on every swipe.

Ramp provides an easy-to-use online dashboard where you can track and manage all employee card expenses in real time. You can view transaction details, set spending limits, freeze out-of-policy cards, and customize controls to ensure compliance.

Ramp has best-in-class integrations with accounting software like QuickBooks, Xero, NetSuite, and many more. Any transactions made with your Ramp card will automatically sync and be recorded in your accounting software. Plus, you can create custom mapping and rules — eliminating manual data entry and improving expense accuracy.

A traditional credit card allows you to carry a balance month over month—and charges interest. Ramp cards are a charge card, which means you can’t carry a balance, and there are no interest charges or fees. Plus, Ramp includes built-in expense management software, giving your small business time-saving features not available with traditional cards.

Ramp stands out from traditional business credit cards by offering more than just a way to pay. It’s an all-in-one finance platform that helps small businesses manage spend, streamline accounts payable, automate procurement, and more. You can also book and manage travel directly through Ramp, onboard vendors with built-in controls, and automate bill payments—all from the same platform.

With unified tools that eliminate manual work and improve visibility across teams, Ramp helps small businesses scale operations more efficiently while keeping costs under control.

Ramp reports on-time payments to the 3 major credit bureaus, such as Experian, Equifax, and Dun & Bradstreet, helping your business establish and strengthen its credit profile over time. Responsible use of your Ramp card—like staying on budget and paying in full each month — can signal creditworthiness and open doors to future financing opportunities or vendor terms.

A business credit card helps keep personal and business finances separate, making bookkeeping and tax prep easier. It also builds your business credit, which can improve your chances of securing loans or better payment terms. Many cards offer valuable perks—like cash back, discounts, or travel rewards—tailored to business spending.

Plus, tools like expense tracking, account summaries, and employee cards with controls make managing your finances much simpler.

Yes—Ramp cards do not require a personal guarantee. That means your personal credit won’t be at risk, and you won’t be personally liable for your business’s card balance. Instead, Ramp evaluates your company’s financial health and business performance to determine eligibility.

In general, some small business credit cards can affect your personal credit—especially if they require a personal guarantee or report activity to personal credit bureaus. For example, late payments or high utilization might show up on your personal credit report, depending on the card issuer.

However, the best new business credit cards should report to commercial bureaus, keeping your personal and business credit profiles separate. Ramp is one of those options; it does not report to personal credit bureaus, helping small business owners protect their personal credit whilebuilding their business credit independently.

Time is money. Save both.

Small Business Corporate Credit Card with Cashback — Ramp