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Ramp

Ramp corporate card / virtual cards and spend management

Corporate and virtual cards with spend management for qualifying U.S.-based businesses.
From official information
Source information

Selected sourced information for review, not a complete product assessment. Verify current material terms with the provider before applying.

At a glance

Intended user
Businesses
From official information
Source information
Product / card type
Corporate cards and spend-management platform
From official information
Source information
Virtual card
Yes
From official information
Source information
Relevant use cases
  • AI / SaaS paymentsSource-supportedOfficial product information
  • Advertising paymentsSource-supportedOfficial product information
  • International business spendingSource-supportedOfficial product information

Category-level evidence does not establish acceptance by a particular merchant. Expand use cases below for scope and qualifications.

Market & eligibility

Market availability

United States — business applicants
From official information
Source information
Market variant
U.S.-based business application context
From official information
Source information
Applicant market
United States
Requires confirmation

Available to qualifying U.S.-registered businesses, subject to provider assessment.

Source information
Issuing coverage
Not confirmed from the sources reviewed.

Card issuance geography has not been separately confirmed.

Where it can be used
Ramp states that physical and virtual cards work internationally by default. International usage does not establish global applicant availability.
From official information
Source information

Eligibility

These are product requirements, not a determination that you qualify. Application checks and approval remain with the provider.

Registration
Business must be registered in the United States.
From official information
Source information
Entity types
Corporation, Limited liability company, Limited partnership, Nonprofit
From official information
Source information
Individuals and sole proprietors
Individuals, sole proprietors and other unregistered businesses are not currently accepted.
Not available
Source information
Applicant cash requirement
USD 25,000

At least this amount in a U.S. business bank account linked to the application. This is an eligibility requirement, not a card-funding description.

From official information
Source information
Operations and spending
Most operations and corporate spending must be in the United States.
From official information
Source information
Physical address
A physical U.S. address is required. PO boxes, virtual offices, registered-agent and mail-forwarding addresses do not satisfy the requirement.
From official information
Source information
Detailed business verification
Not confirmed from the sources reviewed.

The detailed KYB and underwriting process has not been confirmed in this preview.

Residency and other approval requirements
Not confirmed from the sources reviewed.

Residency, revenue and detailed approval criteria are not confirmed.

Important limitations

  • U.S. registration, eligible entity type, qualifying cash, U.S. operations and a qualifying physical address are material application requirements. Meeting them does not guarantee approval.
    From official information
    Source information
  • International card use does not make the product globally available to applicants.
    From official information
    Source information
  • Not confirmed from the sources reviewed.

    Funding, repayment, full pricing and detailed underwriting remain unconfirmed.

  • Not confirmed from the sources reviewed.

    Acceptance by specific AI/SaaS merchants and advertising platforms has not been verified.

Meeting listed requirements does not guarantee approval. The provider makes the application decision.

Continue to the provider

You are leaving Godwit Atlas for the provider’s official website or guidance. Application and onboarding occur with the provider; its eligibility and approval rules apply.

Use the section heading to expand funding, fees or evidence before continuing.

Continue to Ramp

Applications are assessed by Ramp.

Product / card structure

Product category
Corporate cards / spend management
From official information
Source information
Card network
Visa
From official information
Source information
Physical card
Yes
From official information
Source information
Spend controls
Transaction, daily and monthly limits; vendor-specific cards and merchant-category restrictions are documented.
From official information
Source information
Single-use cards
Single-use virtual cards and expiration controls are documented.
From official information
Source information
Detailed debit / credit / charge classification
Not confirmed from the sources reviewed.

The precise classification and repayment model are not confirmed in this preview.

Funding / spending model

Not confirmed from the sources reviewed.

Detailed funding and repayment mechanics have not been confirmed. The application’s cash requirement must not be interpreted as a funding method.

Fees

Additional team cards
Ramp pricing documentation states no extra cost for unlimited virtual and physical team cards.
From official information
Source information
Separate foreign transaction fee
Ramp states it does not charge a separate foreign transaction fee on international purchases. Currency-conversion costs may still apply.
From official information
Source information
Currency conversion
Transactions convert to USD using the Visa exchange rate. Network and/or issuer conversion spread or markup may apply.
Requires confirmation
Source information
Plans and other fees
Not confirmed from the sources reviewed.

Full paid-plan, Bill Pay and feature-specific pricing has not been confirmed. Do not treat the entire product as free.

Relevant use cases

AI / SaaS payments
Official virtual-card materials describe subscriptions and vendor-specific online payments. Specific AI/SaaS merchant acceptance is not verified.
From official information
Source information
Advertising payments
Ramp admin guidance describes marketing teams using or requesting cards for advertising spend. Specific advertising-platform acceptance is not confirmed.
From official information
Source information
International business spending
International card transactions are documented for qualifying U.S. business customers. This does not establish global applicant eligibility or cross-border transfer capabilities.
From official information
Source information

Evidence / review information

Source record last updated: .

Official information describes what a provider documents. It is not independent Godwit Atlas verification. Source-specific access dates are not recorded in the selected evidence.

Understand our evidence labels.

Official product information

Ramp Pricing and Plans

Unlimited virtual and physical team cards at no extra cost; paid plans also exist.

Official product information

Ramp Admin Guide

Marketing teams may own advertising spend and use or request cards for advertising needs.