Ramp AI features and pricing (October 2026)

Ramp is a US corporate card and spend management platform for companies of all sizes that combines cards, expenses, bill pay and treasury, and in its Plus plan uses AI to review expenses, surface policy insights and code line items automatically.

Ramp issues unlimited physical and virtual cards at no extra cost and manages expenses, basic accounts payable and treasury in one platform. The Free plan targets smaller teams, Plus adds AI-driven automation, and Enterprise offers customization with dedicated support. Plans can be upgraded or downgraded in the dashboard. Ramp is headquartered in New York, lists prices in US dollars and supports single sign-on with Okta, Google and Microsoft Azure. The security page names SOC 2 Type II audits and PCI compliance.

• Reviews expensesIn the Plus plan, AI reviews expenses and provides policy insights, highlighting which transactions need attention. Approvers and finance spend less time reading every receipt and more on the exceptions.
• Codes line items automaticallyIn the Plus plan, Ramp codes the individual line items of a purchase automatically instead of treating the transaction as a single amount. Bookkeepers receive coded line items and assign fewer accounts by hand.
• Creates custom reportsRamp lets finance teams create custom reports on card and expense data using AI, so they do not have to export transactions into a spreadsheet first. Controllers get the evaluations they need with less manual preparation.

• A free plan with cards, expenses, basic bill pay and treasury, and a 30 day trial of Plus.
• Unlimited physical and virtual cards in all plans at no extra cost.
• US focus: prices in US dollars and headquarters in New York.

Ramp is headquartered in New York and lists prices in US dollars.

Ramp is built for the US market, so check whether cards and features are available for your entities outside the United States before planning a rollout. Clarify the platform fee in the Plus plan, where data is hosted, the DPA and the connection to your ERP. SOC 2 Type II reports are available from Ramp; companies subject to SOX should also ask about controls relevant to financial reporting.

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