Ramp Business Review 2026
Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Your card estimate
Net first-year value
First year
+$1,450
Rewards + bonus - fee - interest drag
Ongoing year
+$450
Excludes one-time welcome offer
SwitchWize take
No-fee everyday card
Bonus value
$1,000
Rewards
1.5x points
Annual fee
$0
APR
0.00%
Pros & cons
- No annual fee
- Sign-up bonus worth $1,000
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$0 annual fee
0.00% variable
Spend requirement: Upon approval
Ramp terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set