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Guide to the Ramp corporate card

Looking for a business card with no personal guarantee? The Ramp card might be for you


Want a corporate credit card with no personal guarantee? The Ramp credit card offers startup founders the opportunity to grow their business while earning 1.5% cash back on every purchase.

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The Ramp corporate credit card is one of many startup business credit cards designed to meet the needs of small business owners. If you have a corporation or limited liability company (LLC) based in the United States with at least $250,000 in a U.S. business bank account, you might be able to use the Ramp corporate card to streamline your expense tracking, save money on monthly bills and earn 1.5% cash back on every purchase.

Is the Ramp startup card right for everyone? Not necessarily. Sole proprietors are not eligible for the card, and many small business owners won’t have enough assets in the bank to apply successfully.

However, some startup founders might be able to use Ramp to help their business ramp up – so let’s break down what the Ramp card offers, how it compares to other corporate credit cards and whether you should consider the Ramp credit card for your business.

What is Ramp?

Ramp is a corporate credit card designed to help small businesses save money on everyday expenses. In addition to the corporate card, Ramp also provides small business owners with a spend management platform – and savvy business owners can use these tools in tandem to automate their accounting and lower their bills.

Like many corporate cards, Ramp does not require a personal credit check or a founder guarantee. With Ramp, you can get a business credit card without a personal guarantee, which means you don’t have to worry about your personal credit score affecting your eligibility, and you don’t have to worry about losing credit score points after a hard inquiry into your personal credit.

Plus, since you are not personally liable for any charges made on the Ramp credit card, you can keep your business and your personal finances completely separate. Startups can be financially risky, so being able to separate your business’s financial concerns from your personal assets is a huge benefit.

Ramp card benefits and perks

The Ramp credit card offers 1.5% cash back on every purchase – and that goes not only for your purchases but also for any purchases your employees make on their Ramp cards. These cash back rewards can quickly add up, especially for a growing startup. If your business puts $50,000 on a Ramp startup card every month, for example, that’s $9,000 in cash back each year.

In addition to cash back rewards, the Ramp card also offers expense management tools designed to help startups streamline their accounting and save money on the cost of doing business. Ramp uses algorithms to identify wasteful spending, and it sends your finance team notifications whenever it spots price increases, duplicate subscriptions and other indications your company might be spending more than it needs to. According to Ramp, companies using the Ramp startup card save an average of $100,000 or more.

Is the Ramp corporate card a high limit business credit card? It depends. Ramp credit limits are set dynamically and are based on your company’s cash balance. That said, when used wisely, the Ramp card can offer enough credit to help your business grow. Use your Ramp credit responsibly, and you could find your business ramping up faster than you realize.

Ramp vs. other small business cards

There are a lot of small business credit cards out there, including business charge cards that don’t come with preset spending limits. How does the Ramp credit card compare?

Let’s take a look at how Ramp stacks up against the Brex 30 Card, another popular credit card for startups that does not require a personal guarantee. While both Ramp and Brex offer credit card rewards, Brex cardholders don’t earn a flat-rate cash back percentage on every purchase. Instead, Brex offers points based on purchase category: 7 points per dollar on ride-shares, 4 points on flights and hotels booked through Brex Travel, 3 points on restaurants and dining, 2 points on business software subscriptions and Apple products purchased through the Brex portal and 1 point per dollar on all other purchases.

If your business doesn’t spend a lot of money on ride-shares, flights or hotels, you’re already at a disadvantage – and might want to consider the Ramp startup card instead.

On the other hand, businesses with less than $250,000 in the bank might be more interested in the Brex card. Unlike Ramp, Brex does not include a minimum asset requirement in its eligibility guidelines.

Startup founders interested in both cards might want to contact Ramp and Brex directly to learn more about each card’s options and whether their business might be eligible to apply.

Should you sign up for the Ramp corporate card?

If your small business is a corporation with at least $250,000 in cash, you might want to consider the Ramp corporate card. It’s a great way to get a business credit card for your startup without having to provide a personal guarantee or risk a hard pull to your credit, and you can use Ramp’s expense management tools for startups to help your business save money.

The Ramp credit card can help your startup ramp up – and just might be the tool you need to take your business to the next level.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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