Ramp Review 2026: Deep Dive for Solo Devs & Small Teams
Free tier limits, real costs per team size, and honest "not for" warnings. Everything you need to decide if Ramp fits your stack.
Quick Summary
💰 Monthly Cost by Team Size
🚫 Not Recommended For
- Freelancers or sole proprietors
- International businesses
- Very early-stage companies with no revenue
Ramp Pricing (2026)
| Plan | Price | Billing |
|---|---|---|
| Free | $0 | Forever |
| Free | $0/mo | monthly |
| Plus | $12/mo | monthly |
| Enterprise | Custom | yearly |
Pros & Cons
✅ What We Like
- Completely free — corporate cards, expense management, bill pay included
- 1.5% cashback on all purchases
- AI-powered spend intelligence identifies savings opportunities
- Real-time expense categorization and policy enforcement
- Seamless QuickBooks, Xero, and NetSuite integration
❌ What Could Be Better
- Requires a US EIN (not available for sole proprietors in some states)
- Minimum revenue requirements for approval
- International currency support is limited
- Plus features ($12/user) needed for advanced controls
- Not suitable for personal use or freelancers
Feature Breakdown
🏆 Our Verdict
Ramp scores 4.8/5 in our evaluation. Solo Dev Score: 7.5/10. It's best suited for US startups and growing businesses, Finance teams wanting automated expense management, Companies looking to reduce SaaS and vendor spend. We recommend it as a top choice in its category.
📝 Editor's Note
Ramp is the most innovative corporate card/expense management product of the past 3 years. The spend intelligence feature has genuinely saved companies 5-10% on SaaS subscriptions by identifying unused licenses and duplicate tools. The fact that it's free (they make money from interchange fees) makes it a no-brainer for any US startup.
💡 Pricing Verdict: Free. Actually free. Ramp makes money from interchange fees (the merchant pays), not you. The 1.5% cashback on top of free expense management makes this the best deal in corporate finance. Plus at $12/user adds advanced accounting automation.
🔄 Switching Tips: Moving from Expensify or Brex? Ramp's onboarding team handles card migration. The transition takes about 2 weeks. The biggest win is consolidation: Ramp replaces your corporate card + expense tool + bill pay in one free platform.
See how it compares: , Expensify
Try Ramp Free →Frequently Asked Questions
Is Ramp worth the price in 2026?
Ramp starts at Free / $0/mo. Based on our evaluation, it scores 4.8/5 overall. Whether it's worth it depends on your team size and feature requirements — read our detailed breakdown above.
What are the main alternatives to Ramp?
Several tools compete with Ramp in its category. Check our comparison section above for head-to-head matchups with the top alternatives.
Does Ramp offer a free plan?
Check our pricing section above for the most up-to-date information on Ramp's free tier and paid plans.
Is Ramp good for small businesses?
Ramp can work for small businesses depending on your budget and requirements. Review our "Best For" section to see if it matches your use case.
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