Ramp Pricing (2026)

It's a hybrid setup — free tier gets you in the door, but Plus stacks a per-user fee ($15/seat) on top of a platform charge tied to team size. So you're paying twice: once for headcount, once just for existing as an org on the platform, which is unusual and worth flagging to finance teams doing comparisons.

From $15/mo 3 plans hybrid Free plan Best Ramp alternatives → Ramp's competitors →
Free
$0/mo
Plus Popular
$15/mo
Enterprise
Contact Sales
Verified Aug 05, 2026 Official pricing page
Screenshot of Ramp's pricing page showing its plans and prices
Their pricing page, captured Aug 05, 2026

Keep up with your competitors, without the manual work.

Outmano tracks pricing, features, roadmaps and reviews across your market, then sends one weekly brief: what changed, and what it means for you.

Track Ramp free »

Free

$0/mo
  • Unlimited cards
  • Card issuing controls
  • Complete expenses via SMS or Slack
  • Create a custom travel policy
  • Book flights, hotels, and car rentals
  • Auto-receipt collection and matching
  • Automated invoice extraction (OCR)
  • Configurable approval workflows
  • Automated fraud checks
  • Pay bills by ACH, card, check, wire, and more
  • Earn 4.24% in a Ramp Investment Account
  • Earn 2% on cash in a FDIC-insured account
  • No fees, minimum deposits, or transfer caps
  • Free wires and same-day ACH via Bill Pay
  • Basic accounting rules
  • QuickBooks Online and Xero integrations
  • Custom reports and insights via AI reporting
  • Custom report builder
  • Automated vendor tracking and contract extraction
  • Price intelligence

Plus

Popular
$15/mo
  • AI-driven expense reviews and policy insights
  • Auto-lock cards when compliance is unmet
  • 24/7 phone support for travel bookings
  • Auto-coded line items
  • AI-driven approval recommendations
  • Automated batch payments
  • Payment release approvals
  • Advanced intake and approval workflows
  • AI-driven vendor compliance reviews
  • Automated PO creation and tracking
  • Three-way match with Ramp purchase orders
  • NetSuite, Sage Intacct, and more integrations
  • AI coding for every field
  • Automate approval and sync of routine spend
  • Support for multi-entity businesses
  • Auto tax capture and coding
  • Share live reports and schedule exports
  • Track budgets vs. actuals in real time
  • Custom user roles
  • Multi-entity visibility restrictions
  • Audit log

Enterprise

Contact Sales
  • Workday, Oracle Fusion Cloud, and more integrations
  • Locally funded reimbursements
  • Pay card payments in local currency
  • Local currency card issuing in 30+ countries
  • Dedicated account and customer success manager
  • Priority 24/7 global support
  • Custom implementation scoping and roll out plan
  • Integration setup and validation testing
  • Employee training and change management
  • Custom development
  • ERP extensions and configurations
  • Custom policy and workflow configuration
  • Advanced org, role, and entity configuration

Does Ramp have a free plan?

Yes: the Free plan is free forever, not a time-limited trial. When you outgrow it, paid plans start at $15/mo.

What the free plan includes

  • Unlimited cards
  • Card issuing controls
  • Complete expenses via SMS or Slack
  • Create a custom travel policy
  • Book flights, hotels, and car rentals
  • Auto-receipt collection and matching
  • Automated invoice extraction (OCR)
  • Configurable approval workflows
  • Automated fraud checks
  • Pay bills by ACH, card, check, wire, and more
  • Earn 4.24% in a Ramp Investment Account
  • Earn 2% on cash in a FDIC-insured account
  • No fees, minimum deposits, or transfer caps
  • Free wires and same-day ACH via Bill Pay
  • Basic accounting rules
  • QuickBooks Online and Xero integrations
  • Custom reports and insights via AI reporting
  • Custom report builder
  • Automated vendor tracking and contract extraction
  • Price intelligence

AI Pricing Analysis

Pricing Model

It's a hybrid setup — free tier gets you in the door, but Plus stacks a per-user fee ($15/seat) on top of a platform charge tied to team size. So you're paying twice: once for headcount, once just for existing as an org on the platform, which is unusual and worth flagging to finance teams doing comparisons.

Tier Strategy

Free is bait for small teams or startups just testing corporate card and expense workflows. Plus is where real companies live once they need more users or features, but that platform fee means the jump from Free isn't just $15/head — there's a fixed cost floor that makes it awkward for very small teams. Enterprise kicks in when you need custom controls, integrations, or support SLAs that scale orgs actually require.

Competitive Positioning

Ramp isn't playing the cheap card here — the platform fee plus per-seat pricing pushes effective cost higher than the headline $15 suggests, especially for mid-size teams. They're positioning as the modern, feature-rich alternative to legacy expense tools, banking on product quality to justify the premium over pure per-seat competitors.

Growth Lever

Expansion is baked into headcount growth — more employees means more seats, and the platform fee likely scales with team size too, so revenue grows on two axes simultaneously. No free trial on paid tiers means the free plan itself is the trial, nudging teams to prove value before they ever see a pricing page for Plus.

Want the strategist's read on the live page? Read the AI teardown of Ramp's pricing page →

Ramp Pricing FAQ

How much does Ramp cost?
Paid plans start at $15/mo. There's also an Enterprise tier with custom pricing. You can get started on the free plan before committing.
Is there a free plan?
Yes. The "Free" plan is free forever, not just a trial. You get unlimited cards, card issuing controls, complete expenses via sms or slack — plus 17 more features. It's enough to evaluate the product before upgrading.
Can I try it before paying?
There's no trial per se, but the free plan lets you use the product indefinitely with some limits.
How does the pricing work?
It's a hybrid setup — free tier gets you in the door, but Plus stacks a per-user fee ($15/seat) on top of a platform charge tied to team size. So you're paying twice: once for headcount, once just for existing as an org on the platform, which is unusual and worth flagging to finance teams doing comparisons.
Is there a discount for annual billing?
Save 20% with annual billing.
Which plan makes sense for me?
Free is bait for small teams or startups just testing corporate card and expense workflows. Plus is where real companies live once they need more users or features, but that platform fee means the jump from Free isn't just $15/head — there's a fixed cost floor that makes it awkward for very small teams. Enterprise kicks in when you need custom controls, integrations, or support SLAs that scale orgs actually require.

More Finance pricing

All Finance pricing →

Comparing Ramp to something specific? Try Ramp vs Bill.com, Ramp vs Brex, or Ramp vs ChartMogul. Or see the best Ramp alternatives, ranked.

Set it up once. Stay ahead all year.

Add the competitors you care about and Outmano does the watching, then hands you a weekly action plan with what to do next.

Track Ramp free »