Finally, a startup business credit card built for high-growth teams.

Ramp combines a business credit card for startups with powerful finance software—so you can run spend, approvals, and reporting in one place.

Get a startup business credit card that scales with you.

Ramp gives your startup everything you need to manage spend—corporate cards, expense tracking, and bill pay—all in one place.

A single platform for your startup.

Ramp combines cards, expenses, bill pay, and accounting automation into one platform built for startups. Whether you're just getting off the ground or scaling fast, our startup business credit card helps you stay in control from day one—and grows with you at every stage.

Corporate card
A single platform for your startup

Cut burn, not corners.

Ramp helps your startup make every dollar go further. Use built-in Price Intelligence to avoid overspending, and unlock exclusive partner rewards—like credits and discounts from AWS, Stripe, Notion, and more. Save money, reduce burn, and stretch your capital with every swipe.

Savings

No personal guarantee, built for startups.

Ramp’s business credit card for startups don’t require a personal guarantee or impact your personal credit. We evaluate your business on its own financial health—so you can scale without putting your personal finances on the line.

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Saves you time so you can build.

Let Ramp handle expenses in the background while you focus on building. Set the right policy and controls, and let Ramp auto-populate expense reports with automatic receipt capture from your top apps like Google, Amazon, and Uber.

Expense management software

Close your books on time, every time

Ramp integrates with tools like QuickBooks, Xero, and NetSuite to simplify your month-end. Sync your startup’s card transactions automatically, reconcile with accuracy, and stay audit-ready—no messy spreadsheets required.

Accounting automation software
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Control travel spend before takeoff.

Ramp makes it easy to manage travel costs with customizable policies, pre-set budgets, and centralized booking tools. Use your startup business credit card to stay within policy, prevent overspend, and track every dollar—without adding more work to your plate.

Travel
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Why startups choose Ramp corporate cards.

See how startups use our corporate card to control spend, save time, and automate the finance work they used to do manually.

"The three things I love about Ramp are its easy adoption, great customer service, and perks that help you grow. The fact that I don’t need to approve my employees expenses manually on a daily basis is such a relief."
Zuben Mathews
CEO & Co-Founder, Brigit
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"On the credit line, Ramp was able to match and exceed where we needed to go. Ramp was a fast growing startup itself and they understand how to scale. Our legacy provider just couldn’t do that."
Kaela Patrinely
Controller, Seed
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"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, WizeHire
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"We’re able to push everything that happens on the Ramp platform to QuickBooks. It also helps to reconcile expenses more easily, because you’re able to leave a very clear trail. And we get rewards, because everyone is using their cards. That’s also benefiting us as a company."
Yiwen Ding
Controller, Bubble
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FAQ

A startup business credit card is designed to help early-stage companies manage spending, access capital, and separate business finances from personal ones. These cards may offer rewards, expense tracking tools, and other features to support growing businesses. Ramp offers a startup-friendly corporate card with built-in controls to help you scale efficiently from day one.

Yes. Responsible use of a startup business credit card can help establish and grow your business’s credit profile, which is important for securing future financing, vendor terms, or lines of credit. Ramp reports payment activity to credit bureaus, helping your startup build credit over time—without affecting your personal credit.

Traditional credit cards let you carry a balance and charge interest. Ramp is a charge card—you pay in full each month, with no interest, no fees. Plus, Ramp includes advanced spend management software, giving your startup tools to control spend, automate workflows, and save time—capabilities traditional cards simply don’t offer.

Startups should look for cards that offer no fees, strong expense controls, scalability, and automation. Since lean teams often don’t have dedicated finance staff, ease of use and real-time visibility are key. Ramp checks all of these boxes—offering automated spend management, no personal guarantee, and perks that actually matter for startups (like discounts on AWS, Notion, and more).

Ramp’s corporate cards are designed to help startups save their two most valuable resources: time and money. With automated expense management, you get real-time visibility into spend and proactive controls to prevent wasteful purchases before they happen. Ramp streamlines your startup’s payments and expenses—and helps you save an average of 5%1, freeing up capital to reinvest in growth.

Applying for a Ramp’s startup business credit card is easy. Just submit the email associated with your startup and click Apply Today. You’ll be guided through a quick application process, which typically includes providing basic information about your startup’s financials and operations.

Ramp gives your startup the flexibility to set custom spending limits on each card, so you stay in control.
Limits can be adjusted in real time through the Ramp platform, allowing you to manage budgets based on your startup’s needs.

Ramp’s built-in expense management tools are designed to save your team hours. Every transaction is automatically coded, smart spend limits enforce themselves, and real-time reporting gives you instant visibility into where your money’s going. For startups, that means less time chasing receipts—and more time growing the business.

Yes. Many startup business credit cards allow you to issue employee cards, though controls vary. Ramp makes it easy to issue unlimited virtual cards, each with its own spend limit, policy, and usage rules. You’ll get real-time visibility and automated expense tracking—so your team can move fast without losing financial control.

Yes—many startups qualify for business credit cards even without an established credit profile, though traditional banks often require a personal guarantee or strong personal credit. Ramp takes a different approach: we evaluate your startup’s financial health and don’t require a personal guarantee—making it easier for new businesses to get approved without putting founders at personal risk.

Time is money. Save both.

Startup Business Credit Cards Made for High-Growth Teams