Ramp Card
By Alex Compton · Last verified
Cash back, free spend-management software, and no personal guarantee.
Welcome Bonus
None
No public welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
Business
financials, no personal guarantee
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | $0 | No recorded spend | Terms reconfirmedNo public welcome offer; card and rewards terms reconfirmed | Ramp corporate card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo public welcome offer | Archive record · no attached snapshot |
| 2025-06 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
No public welcome offer; no-fee and no-personal-guarantee terms confirmed, with rewards described as account-specific under Ramp legal terms
Fields: offerHistory, earningRates, tagline, pros, cons, ourTake, lastVerified
Ramp corporate card product page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xEligible purchases where the 1.5% program appliesRamp's legal terms say the actual rewards rate is determined by Ramp and may change
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No personal guarantee or personal credit check
- ✦Free expense management, receipt matching, and accounting sync
- ✦Unlimited virtual and physical cards with per-card controls
- ✦Built-in savings tooling that flags duplicate SaaS spend
Why it earns its spot
- +Simple cash-back redemptions with no annual card fee
- +Easier qualification bar than Brex for ordinary businesses
- +The software alone replaces a paid expense platform
Where it costs you
- −Charge card paid monthly; no ability to carry a balance
- −Requires a registered US business with a business bank account; sole proprietors excluded
- −The public product page does not promise one universal cash-back rate for every account
The Compound Verdict
The default recommendation for many operating businesses is the no-fee card plus an expense platform that would cost real money elsewhere. Underwriting looks at business financials rather than a personal guarantee, but rewards can be account-specific, so confirm the rate shown in your Ramp agreement instead of assuming 1.5% universally.
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