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Ramp Corporate Card

4.5

/5

Ramp

Visa

Ramp Corporate CardCash Back Calculator

Our Take

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

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Ramp Corporate Card review

Business Spending

$4,000/mo
Enter your business's typical expenses to see what the Ramp Corporate Card earns on them.

Foreign currency

Clear

$

1%

$

1%
3% FX fee on this card

Everything else

$

1%

Anything not listed here

Travel

Clear

$

1%

$

1%

$

1%

$

1%

$

1%

$

1%

Day-to-Day

Clear

$

1%

$

1%

$

1%

$

1%

$

1%

Services & Bills

Clear

$

1%

$

1%

$

1%

$

1%

Employee cards

Leave empty to skip. When set, their fees come off the card's value.

Card Details

Based on $4,000 monthly business spending

Annual rewards

$482.16

cash back a year

Welcome bonus

$0

no welcome offer

Annual fee

$0

no annual fee

FX fees

$216

3% on $600/mo

First-year value

$266.16

$266.16 in years after

Annual rewards

$482.16

cash back a year

Welcome bonus

+ $0

no welcome offer

Annual fee

− $0

no annual fee

FX fees

− $216

3% on $600/mo

First-year value

$266.16

$266.16 in years after

Interest Rates

Purchase: N/A

Cash Advance: N/A

Annual Fees

Main Card: $0

Additional Cards: $0

Annual Income

Personal: N/A

Household: N/A

Credit Score Estimate

300⁎
Poor
560⁎
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type

Prepaid

Reward Type

Cash Back

Our Rating

4.5/5

Institution

Ramp

How You Earn Rewards

  • Get up to 1% cash back on all eligible transactions

Ramp Corporate Card Cash Back Calculator

Your rewards by category

A year of your spending at this card's ongoing rates, grouped by what each category earns.

1%

BASE

Spend: $48,216/yr

Reward: $482.16

All other business spending (17 categories)

Office Supplies

$3,000/yr

$30

Electronics & Software

$1,200/yr

$12

Gas & EV Charging

$3,600/yr

$36

Air Canada

$1,200/yr

$12

Other Airlines

$600/yr

$6

Hotels

$1,800/yr

$18

Car Rental

$600/yr

$6

Other Travel

$600/yr

$6

Dining & Restaurants

$3,600/yr

$36

Phone, Internet & Cable

$2,400/yr

$24

Shipping & Courier

$1,800/yr

$18

Accounting & Bookkeeping

$1,800/yr

$18

Recurring Bills & Subscriptions

$4,800/yr

$48

Transportation

$1,200/yr

$12

US Dollar Purchases

$6,180/yr

$61.8

Other Foreign Currencies (EUR, GBP, etc.)

$1,236/yr

$12.36

All Other Business Expenses

$12,600/yr

$126

Insurance & Benefits

5 insurance
4 benefits

Insurance

Coverage

  • emergency call

    Travel and Emergency Assistance Services

    Available 24 hours a day, 365 days a year
  • car accident

    Car Rental Accident

    31 days. Reimbursed for damages caused by collision up to cash value of most rented cars
  • car insurance

    Car Rental Damage & Theft

    31 days. Reimbursed for damages caused by theft up to cash value of most rented cars
  • purchase protection

    Purchase Protection

    First 90 days, up to $10,000 per claim and $50,000 per cardholder
  • extended warranty

    Extended Warranty

    Yes

    • Benefits

    Details

  • high credit limit

    High Credit Limits

    30x higher than those offered by traditional banks
  • adapted limit

    Adapted limit

    Customizable limits and controls down to the merchant and transaction level
  • credit-check

    No Credit Check

    No personal credit check or personal guarantee required
  • unlimited-credit-cards

    Unlimited Cards

    Issue unlimited virtual and physical cards for each employee

    • Pros & Cons

    Pros

    • No Annual Fee
    • High and Customizable Credit Limits
    • Cash Back Opportunities
    • No Credit Check
    • Unlimited Cards

    Cons

    • Minimum Balance Requirements
    • Geographical Limitations
    • No Sole Proprietors

    Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

    Must have at least $25,000 in your primary business bank account to qualify.

    Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

    Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

    Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).