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  3. Ramp for Startups
RampRamp

Ramp for Startups

Corporate cards with spend controls and a sizeable partner perks bundle

Verified April 19, 2026
Software AccessPayments & FintechPre-seedSeedSeries A+
What you get

Corporate cards, expense management, and startup partner perks

Best for
Pre-seed, Seed, Series A+
Available in
United States
Program type
Software Access
Last verified
Apr 19, 2026
Apply on Ramp

About this program

Ramp is the other major US startup card and spend platform. Where Brex tends to attract venture-backed startups focused on treasury, Ramp leans toward expense controls, automated savings suggestions, and a partner perks bundle that is genuinely useful in the first year after incorporation. Accounting integrations are a core strength: founders who run their own books in QuickBooks or Xero usually get close to a push-button close each month.

For new startups evaluating where to centralize finance operations, Ramp and Brex are typically the two names on the shortlist alongside a business bank like Mercury. Most teams end up running one of the card platforms plus one bank rather than trying to use a card product for deposits.

What you get

  • Corporate cards, expense management, and startup partner perks
  • Offer type: Software Access

Eligibility

US-registered business entities. Ramp underwrites on business financials, not founder personal credit, and is used by both venture-backed and revenue-generating startups.

Stage
Pre-seed, Seed, Series A+
Region
United States
Incorporation required
Yes
The Ramp partner perks bundle is meaningful on its own. Founders often activate credits for cloud, design, and analytics tools worth more than a year of Ramp's own cost, then keep using the card and expense tools as a side benefit.

How to apply

  1. 1Start the application at ramp.com.
  2. 2Submit business information, connect a bank account for underwriting, and provide beneficial owner details.
  3. 3Most approvals come back quickly. Once live, issue cards, set spend limits, and set up expense categories.
  4. 4Invite accounting to connect QuickBooks, Xero, or NetSuite, and activate partner perks from the dashboard.

Frequently asked questions

How is Ramp different from Brex?

Both are corporate card and spend platforms for US startups. Ramp leans into automated savings insights and fee-light expense management. Brex leans into treasury and premium rewards. Most startups evaluate both and pick based on which rewards, perks, and integrations fit their operations.

Does Ramp charge a monthly fee?

Ramp's core card and spend management product has historically had no monthly fee. Premium tiers add automation and advanced controls. Verify current pricing on the Ramp site before assuming a fee-free configuration.

What is the partner perks bundle worth?

The inventory changes, but Ramp has historically bundled partner credits across cloud, productivity, and analytics tools. The bundle is accessible from inside the dashboard after approval.

Can I use Ramp outside the US?

Ramp is a US-focused product today. Some international support has been announced in phases. Check Ramp's site for the current list of supported countries if your entity is outside the US.

Ramp
Official page
Ramp
ramp.com
Go to Ramp

You'll be redirected to Ramp to apply. FounderDeals never handles applications.

Sources

We link to public pages from Ramp. Details may change. Always confirm on the official page.

  • ramp.com
Benefit
Corporate cards, expense management, and startup partner perks
Apply on Ramp

Redirects to the official Ramp page. We never intermediate applications.

Alternatives to Ramp for Startups

Other payments & fintech programs founders weigh against Ramp. Each links out to the provider's official page.

Stripe

Stripe Atlas

Stripe Atlas is Stripe's incorporation service that helps founders worldwide set up a Delaware C-corp, open a US business bank account, and access a bundled benefits package of partner credits and discounts. Atlas is typically the first tool international founders use before anything else in the US back-office stack.

Benefit
Delaware C-corp formation plus US bank account and partner benefits
Eligibility
Founders anywhere in the world who want to set up a US-incorporated entity (Delaware C-corp) to operate globally with Stripe payments and US-based financial infrastructure. Atlas accepts founders outside the US; residency in the US is not required.
Software Access
Payments & Fintech·Idea, Pre-seed
Verified Apr 20, 2026
Mercury
Mercury

Mercury for Startups

Mercury provides FDIC-insured business checking and savings accounts designed for startups. It includes corporate cards, ACH and wire transfers, and a treasury product, with no monthly account fees or minimum balance requirements for standard accounts.

Benefit
Free business banking for US startups
Eligibility
Any US-registered business entity, typically an LLC or C-corp, with verifiable founders and standard KYC documentation. Pre-revenue companies can open an account.
Software Access
Payments & Fintech·Idea, Pre-seed, Seed, Series A+
Verified Apr 19, 2026
Brex

Brex for Startups

Brex offers corporate cards, expense management, bill pay, and a business account under one platform. Cards do not require a personal guarantee and are underwritten on company financials. The program is designed for venture-backed or revenue-generating startups and includes a partner perks marketplace.

Benefit
Corporate cards and spend management with no personal guarantee
Eligibility
US-incorporated business entities with either venture funding or verifiable business revenue. Sole proprietors and personal-use accounts are not supported.
Software Access
Payments & Fintech·Pre-seed, Seed, Series A+
Verified Apr 19, 2026
Apply on Ramp