VisaRamp Card
Flat 1.5% on everything, free 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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll purchases
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
- +Simplest rewards in the category, no tiers or hoops
- +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
- −Flat 1.5% trails Brex for heavy travel spenders
The Compound Verdict
The default recommendation for most operating businesses: a flat 1.5% with zero fee and an expense platform that would cost real money elsewhere. Underwriting looks at your bank balance and revenue, not your FICO, so it suits owners protecting their personal credit. Travel-heavy funded startups can out-earn it on Brex; everyone else should start here.
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Commentson Ramp Card
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