Quick Answer
Last verified:

Ramp pricing varies by team size and features, ranging from $0 to $0 per per user per month in 2026. Your actual cost depends on the tier you choose, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: Yes
  • Billing: Monthly and annual (save 15-20%)
  • Hidden costs: Add ~35% for implementation, support, and training

Ramp offers 3 pricing tiers: Free, Plus, Enterprise. Standard paid plans include Free at $0/month, Plus at $15/month. The Plus plan is general users and teams.

Compared to other expense management software, Ramp is positioned at the budget-friendly price point.

Last verified: February 2026 | Sources: 1 pricing pages and reviews

All Ramp Plans & Pricing

Plan Monthly Annual Best For
Free Free Free 0 General users and teams
Plus $15 /month $144 /month General users and teams
Enterprise Contact Contact General users and teams
View all features by plan

Free

  • Unlimited users and cards
  • Real-time expense tracking
  • Automated savings insights
  • Major accounting software integrations
  • Receipt scanning and expense approvals
  • 1.5% cash back on purchases
  • No annual fees
  • Basic approval workflows

Plus

  • All Free tier features
  • Advanced approval rules and routing
  • Enhanced expense management
  • Custom integrations
  • More powerful reporting
  • Advanced policy controls
  • Priority support
  • 20% discount with annual billing

Enterprise

  • All Plus features
  • Multi-entity support
  • Locally denominated cards
  • Custom ERP integrations (NetSuite, Sage Intacct, Microsoft Dynamics)
  • Advanced workflows and automation
  • Global support capabilities
  • Customized implementation and setup
  • Dedicated account manager
  • Named support team

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Hidden Costs to Budget For

Watch for 1 hidden costs
  • Ramp requires a minimum of $75,000 in a US bank account to qualify for cards. The Plus plan includes a platform fee based on team size in addition to the per-user cost. Annual billing offers 20% discount. Enterprise pricing is custom and requires contacting sales. All internal users with roles are billed on Enterprise (external roles like guest, auditor, and accounting firm are not billed). Card qualification and credit limits are based on corporate bank account balance and cashflow.
Tip

Ask your Ramp sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Frequently Asked Questions

01 How much does Ramp cost?

Ramp offers a free tier with unlimited users and cards, Plus at $15 per user per month (20% discount with annual billing), and custom Enterprise pricing. All plans include 1.5% cash back.

02 What are the requirements to use Ramp?

You need at least $75,000 in a US bank account to qualify for Ramp cards. Your credit limit is determined by your corporate bank account balance and cashflow, not personal credit scores.

03 Is there a discount for annual billing?

Yes, Ramp Plus offers a 20% discount with annual billing, reducing the cost from $15/user/month to $12/user/month ($144/user/year).

04 What is the platform fee on the Plus plan?

The Plus plan includes a platform fee based on team size in addition to the $15 per user per month cost. The exact fee varies by company size and is not publicly disclosed.

05 Does Ramp support multiple entities?

Multi-entity support is only available on the Enterprise plan, which requires custom pricing and an annual subscription.