Ramp Visa Corporate Card — U.S.
Simple corporate charge card with cash back, tight controls, and no personal guarantee. Built for U.S. companies that pay in full monthly and want expenses to run on autopilot.
Card Details
- Card type: Corporate charge card (pay in full each cycle).
- Annual fee: $0.
- Rewards: Simple cash back on all purchases; partner savings available.
- Welcome offer: None standard.
- Foreign transactions: Ramp doesn’t add a foreign fee; Visa currency conversion/markup may apply (up to ~3%).
- How to qualify: U.S. corporation/LLC/LP with EIN and healthy cash balance in a U.S. business bank account (not for sole proprietors).
- Underwriting: No personal guarantee; typically no personal credit check. Limits are based on your business financials.
- Credit reporting: Reports to business bureaus; does not report to personal credit.
- Issuer & network: Visa issued by Sutton Bank and Celtic Bank (Members FDIC).
- Account management: Unlimited physical/virtual cards, spend controls, auto‑receipt capture, reimbursements, Bill Pay, Travel, and accounting integrations.
About The Card
Ramp keeps things clean. You get a no‑fee corporate card you pay off monthly, cash back on everything, and software that enforces your rules—who can spend, where, and how much—so swipes stay inside policy without you chasing receipts.
Getting started is simple: apply with company details, EIN, and link your U.S. business bank. Once approved, issue unlimited cards, adjust limits in seconds, and sync spend straight into your books so month‑end is calm.
Pros
- No annual fee; predictable pay‑in‑full terms.
- No personal guarantee or personal credit check for eligible businesses.
- Cash back on all purchases plus useful partner discounts.
- Unlimited cards, granular controls, and fast accounting integrations.
- Builds business credit (no personal bureau reporting).
Cons
- Charge card—full balance due each cycle (no revolving or 0% promos).
- Not for sole proprietors; U.S. registration and EIN required.
- Cash‑back rate is set by Ramp and can vary (not a public flat rate for everyone).
Is this card for me?
Pick Ramp if you’re an incorporated U.S. business that pays in full monthly and wants card controls, simple cash back, and hands‑off bookkeeping with no personal guarantee. If you need 0% financing or live off category bonuses, a small‑business credit card may fit better.
