Ramp Pricing in May 2026

Ramp's pricing for the corporate card and spend management product is $0/month — Ramp makes money on interchange fees rather than subscription. Ramp Plus (advanced procurement, vendor management, bill pay) starts at $15/user/month. Real-world Ramp usage costs are essentially zero for the card and basic spend tracking; Plus tier becomes meaningful at $500-3,000/month for mid-stage companies with serious procurement workflows.

The $500 cashback bonus combined with cash-back rewards (typically 1.5% on most spend categories) makes Ramp effectively profitable from day one for most startup spend patterns. Eligibility focuses on US-incorporated startups with $50K+ in business banking deposits. The bonus is genuinely valuable — most early-stage startups recoup the bonus in the first 1-2 months of normal corporate spending. The strategic decision: Ramp vs Brex is the active comparison most startups bake-off. Ramp tends to win for revenue-generating teams focused on spend control with stronger automation features (savings insights, vendor consolidation, vendor negotiations). Brex tends to win for venture-backed pre-revenue startups due to underwriting based on cash balance rather than credit history. Both offer free cards with similar rewards. For most early-stage startups, the typical pattern is Mercury (banking) + Ramp or Brex (corporate cards) — choose Ramp specifically when spend management features matter more than venture-friendly underwriting.