Ramp Savings Calculator
How Much Could You Save?
Calculate your potential annual savings with Ramp Corporate Card based on your business spending.
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Your Potential Annual Savings
Cash Back
$0.00
Waste Reduction
$0.00
Partner Discounts
$0.00
Ramp Treasury Interest
$0.00
TOTAL POTENTIAL SAVINGS
$0.00
* Based on Ramp's 1.5% cash back, 3% waste reduction average, 5% partner discounts, and 4.3% APY on idle cash.
* Requires $25,000+ business cash balance for full Ramp eligibility.
Most business owners hate expense reports. Not because theyâre lazy, but because theyâre Ramp Corporate Card takes the headache out of spending, tracking, and approving expenses - and actually pays you for it. If youâre running a small business in the U.S. and youâre still juggling receipts, manual approvals, and personal credit checks, youâre wasting time and money. Ramp isnât just another corporate card. Itâs a full financial operating system built for teams that want control, cash back, and zero fees - all in one place.
What Makes Ramp Different?
Ramp doesnât ask for your Social Security number. It doesnât charge you an annual fee. It doesnât hit you with foreign transaction fees, late fees, or card replacement fees. And it gives you up to 1.5% cash back on every purchase - no categories, no limits. Thatâs not a gimmick. Thatâs the standard. The real magic? Ramp doesnât base your credit limit on your personal credit score. It looks at your businessâs cash balance. If youâve got $25,000 sitting in your bank account, you could get a limit up to 30 times higher than what traditional issuers offer. Thatâs huge for growing businesses that need flexibility but donât want to risk personal assets. You get unlimited physical and virtual cards. Each one can be customized with spending rules: $500/month on software, $2,000 on travel, $0 on dining. You can turn cards on and off instantly. If someone leaves the company, you donât wait for them to mail back a card - you just delete the virtual one. No more lost cards, no more fraud.How Ramp Saves You Money (Beyond Cash Back)
Rampâs AI doesnât just track spending - it finds waste. Every week, it scans your subscriptions and flags duplicates. Maybe youâre paying for two project management tools. Or three different cloud storage accounts. Ramp spots it, shows you the charges, and lets you cancel with one click. One user saved $18,000 in a year just by cutting redundant SaaS tools. It also matches receipts automatically. No more snapping photos of dinner receipts. No more chasing employees for receipts. When someone swipes the card at Amazon, Uber, or even a local vendor, Ramp pulls the digital receipt and links it to the transaction. That cuts bookkeeping time by 70% for most teams. And then thereâs the partner rewards. Ramp has deals with over 30 major platforms: AWS, HubSpot, QuickBooks, Gusto, OpenAI, and more. You get discounts ranging from 10% to 40% off subscriptions. For a company using AWS and QuickBooks, thatâs easily $500-$1,500 in annual savings - on top of cash back. Ramp claims businesses save an average of 5% on total spend. Thatâs not just from cash back. Itâs from cutting waste, getting discounts, and eliminating fees. If you spend $200,000 a year, thatâs $10,000 back in your pocket.Ramp Treasury: Your Cash Earns Interest
In February 2025, Ramp launched Ramp Treasury - a free cash management feature that earns 4.3% APY on your businessâs idle cash. No minimum balance. No lock-up period. You can withdraw anytime. Thatâs more than most high-yield savings accounts. You donât need a separate bank account. Your Ramp balance automatically flows into Treasury. When you pay a vendor, the money moves out seamlessly. When you get paid, it goes back in. Youâre earning interest while youâre still using your card for daily expenses. This isnât a side feature. Itâs core to Rampâs strategy: become your businessâs primary financial hub. Youâre not just spending - youâre saving, earning, and automating.
Ramp vs Brex: The Startup Showdown
Brex is Rampâs biggest rival, especially among startups. Both offer no personal guarantees. Both have high limits. But hereâs how they break down:| Feature | Ramp | Brex |
|---|---|---|
| Cash Back | Up to 1.5% on all purchases | Up to 7% on select categories (e.g., AWS, software) |
| Sign-Up Bonus | $250 flat, no spend requirement | 10,000 points (worth ~$100-$150), requires $5K spend in 90 days |
| Fees | $0 annual, $0 foreign, $0 late, $0 replacement | $0 annual, but $35 foreign transaction fee |
| AI Expense Tools | Full automation: receipt matching, duplicate detection, budget alerts | Basic spending controls, no receipt matching |
| Partner Discounts | 30+ platforms (AWS, HubSpot, QuickBooks, etc.) | 15+ platforms, mostly SaaS |
| Interest on Cash | 4.3% APY via Ramp Treasury | None |
| Customer Support | Email only | Email + phone |
Ramp vs Corpay: The High-Spend Battle
If your business spends over $500,000 a year, Corpay might be worth a look. Corpay offers a customizable rebate program - up to 2% on all purchases, and up to 4% extra at 16,000+ hotels and restaurants. But hereâs the catch: you need to negotiate that rate. Itâs not automatic. You need a sales rep, sign contracts, and jump through hoops. Rampâs 1.5% is instant. No negotiation. No fine print. Corpay also has better global coverage. Ramp only works for U.S.-based businesses. If youâre paying vendors in Europe or Asia, Corpay handles foreign transactions without fees. Ramp doesnât - but then again, Ramp doesnât charge foreign fees either, so youâre not losing anything there. Corpayâs biggest advantage? Rebate potential. Rampâs? Everything else. If you value time over a slightly higher rebate, Ramp saves you hours every week. And those hours? Theyâre worth more than 0.5% extra cash back.Who Should Use Ramp?
Ramp is perfect for:- U.S.-based LLCs, corporations, or LPs with at least $25,000 in cash
- Teams of 5-50 employees who need spending controls
- Founders who hate paperwork and want to automate bookkeeping
- Companies using QuickBooks, Xero, or NetSuite
- Businesses that spend on SaaS, cloud services, or marketing tools
- Early-stage startups with less than $25,000 in cash
- Businesses that need phone support for urgent issues
- Companies with international vendors or employees outside the U.S.
- Owners who want to earn points for flights or hotels
Getting Started With Ramp
Applying takes less than 10 minutes. Youâll need:- Your businessâs EIN
- Proof of business structure (LLC, Corp, etc.)
- Access to your business bank account (to verify the $25K minimum)
- $250 bonus in your account
- Instant access to virtual cards
- AI-powered expense dashboard
- Integration with QuickBooks or Xero
RAHUL KUSHWAHA
October 31, 2025 AT 10:03Man, Ramp sounds like a godsend for my side hustle. No more scrambling for receipts or worrying about personal credit limits. Just linked my business account and got the $250 bonus in 2 days đ
Julia Czinna
November 1, 2025 AT 01:52Iâve been using Ramp for 8 months now. The AI detecting duplicate SaaS subscriptions saved me $4,200 last year alone. I didnât even know we had three overlapping project management tools. The receipt matching is flawless-no more begging my team for photos of coffee receipts. The only downside? Waiting 2 days for support to reply when a payment glitches. But honestly? Worth it.
Laura W
November 1, 2025 AT 21:48YOOOOO RAMP IS THE REAL MVP đ
1.5% cash back on EVERYTHING? NO FEE? 4.3% APY ON CASH? BRO. I switched from Brex last month and my CFO cried happy tears. Weâre saving $8K/year just from partner discounts alone-AWS, HubSpot, QuickBooks all discounted. And the virtual cards? I turned off my internâs card when she quit. One click. No drama. If youâre not on Ramp, youâre literally leaving money on the table. Period.
Graeme C
November 2, 2025 AT 06:27Let me be brutally honest-this is the most comprehensive, accurate, and refreshingly un-biased breakdown of Ramp vs. Brex vs. Corpay Iâve ever read. The table comparison? Perfect. The $25K cash requirement is the only real barrier, but if you qualify, this isnât a card-itâs a financial infrastructure upgrade. Corpayâs 2% rebate sounds nice until you factor in the 3-week negotiation cycle, the sales rep who ghosts you, and the contract with 17 footnotes. Ramp? Apply, get approved, start saving. No theater. No bullshit. Just pure efficiency. And the Treasury feature? Thatâs not a feature-itâs a revolution. If youâre still using a traditional corporate card in 2025, youâre not just behind-youâre paying for the privilege.
Astha Mishra
November 4, 2025 AT 05:40It is truly remarkable how deeply this product aligns with the modern ethos of automation and financial sovereignty. One cannot help but reflect upon the broader cultural shift-from manual accounting, where receipts were sacred artifacts guarded like relics, to a seamless digital ecosystem where expenditure is not merely tracked but intelligently optimized. The elimination of personal credit checks, the empowerment of business cash flow as the sole determinant of limit, and the integration of interest-bearing treasury functionality-all these elements coalesce into something far greater than a corporate card. It becomes, in essence, a silent partner in the entrepreneurial journey. One may lament the absence of phone support, yet one must also recognize that the cost of human intervention, in terms of time and systemic inefficiency, far outweighs the convenience it purports to offer. In a world increasingly governed by algorithms and predictive intelligence, Ramp does not merely serve the business-it anticipates its needs, corrects its excesses, and rewards its prudence. And perhaps, in this quiet revolution, we are not merely using a tool-we are becoming more disciplined, more aware, more financially mature. The $25,000 threshold may exclude the earliest founders, but it also ensures that those who enter are ready-not just for a card, but for responsibility. And that, perhaps, is the most profound gift of all.