No, Ramp is built for modern finance teams of every size, from fast-growing startups to global enterprises. While Amex was founded in 1850 for a world of paper and manual processes, Ramp was built in the software era to eliminate the busywork legacy card systems still rely on. Backed by a $32B valuation and guided by leaders like former Amex CEO Ken Chenault, we ship hundreds of improvements yearly and continue to expand agentic automation, AP workflows, international support, and advanced ERP integrations—capabilities legacy card companies weren’t designed to deliver.

No, the opposite actually! Ramp gives you straightforward cashback on every purchases with no blackout dates, portals, or fine print. Use it to pay vendors, book travel, or knock down your bill. No mental math. No points spreadsheets. And because Ramp replaces tools like Expensify and Concur, customers often save more with Ramp than they ever did trying to game Amex rewards.

Ramp eliminates expense reports entirely with its AI-native, all-in-one card and expense platform. The moment an employee swipes their card, Ramp captures the transaction, links it to the correct trip or project, and pulls in merchant, amount, time, and other metadata. Receipts are automatically collected and matched, and accounting codes are filled in from context.

All of this flows directly into your accounting system, giving finance accurate data in real time and enabling a faster, cleaner close. No need for employees to log into a separate tool, build reports, track receipts, or guess GL codes.

You’ll gain a faster, more automated travel experience—and if you'd like, you can keep your TMC flow exactly the same.

Ramp Travel offers competitive native booking with no GDS markups. Employees can book trips, manage expenses, and ask questions via SMS, Slack, or the Ramp app. They see what’s in policy upfront, and Ramp automatically collects receipts and fills in memos — no chase required.

If you prefer to continue using a TMC for negotiated rates, duty of care, or white-glove support, Ramp integrates seamlessly with partners like Egencia, Perk, and Corporate Traveler. Employees continue to book through your provider, and receipts sync instantly. All Ramp card spend — including per diem and ground — is automatically grouped into a single trip.

Our Visa Signature cards also include travel benefits, such as Emergency Ticket Replacement and Legal Referral Assistance.

Transitioning onto Ramp takes days, not months. With a dedicated onboarding and customer success team, we ensure a seamless implementation from Amex to Ramp, so you have cards issued, approval workflows set up, and automated reviews in less than 2 weeks.

We’ve helped 11,500+ businesses move from Amex to Ramp, and navigated the transition with various options..Some companies move all spending to Ramp on day one, while others start with day-to-day expenses and keep executives on Amex in the interim. This hybrid approach lets you capture immediate ROI from Ramp's automation while managing change at your own pace.