# Ramp Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Ramp the right Expense Report solution for you? Explore 216 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/207081/Ramp/reviews --- Ramp 4.9 (216) [View alternatives](https://www.capterra.com/p/207081/Ramp/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Ramp Ease of use 4.9 Customer Service 4.6 ## Pros and Cons in Reviews James L Director of FinanceComputer Software, 11 - 50 employeesUsed the software for: Less than 6 months. “They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is swift, and they charge in a logical fashion, not some of the inflated rates of other players in the market.“ December 12, 2025 SK Sarah K People Ops ManagerComputer Software, 201 - 500 employeesUsed the software for: 1-2 years. “Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce approvals on purchases.“ July 17, 2025 LH Lucien H VP of GTMInformation Technology and Services, 201 - 500 employeesUsed the software for: 1-2 years. “Ramp is a must have tool for a fast growing startup like ours. Since we implemented Ramp, we have drastically improved our controls around expenditure across the company, increased awareness about costs and spending and also delighted employees with a far superior tool that provides transparency and quick payouts for them.“ May 7, 2024 HC Harrison C CEOFinancial Services, 11 - 50 employeesUsed the software for: 1-2 years. “There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business.“ May 25, 2025 Hillel G Director of ImplementationHospital & Health Care, 51 - 200 employeesUsed the software for: 1-2 years. “Receipt management and physical card management is very nice to have for employees as well as making virtual cards.“ August 25, 2025 SW Stacey W Accounting ManagerMachinery, 51 - 200 employeesUsed the software for: Less than 6 months. “The user account details and permissions were the one confusing part we ran into with setup.“ October 15, 2025 SK Sarah K People Ops ManagerComputer Software, 201 - 500 employeesUsed the software for: 1-2 years. “Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed.“ July 17, 2025 MS Michelle S DeveloperHuman Resources, 11 - 50 employeesUsed the software for: More than 2 years. “Nothing - I think it can be a bit confusing when you are first introduced to the app so I can see it being difficult to learn for non-technical employees.“ March 23, 2026 ## Showing most helpful reviews Showing 1-25 of 216 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Pankaj P. Finance Manager Accounting Used the software for: 2+ years ### "Fantastic product easy to use " January 16, 2025 5.0 Ramp Card is very useful and with ramp you can easily record track expenses. It helps in bill and spend management, Expenses management, Travel Management etc. Easy to integrate with accounting software.easy to reconcile. Provide good cashback points. Pros Easy to use, Easily to reconcile balance, Customized reports etc. one of the best business card. Cons I like everything about this. Sometimes support system tale time to resolve issues. Review Source JV Jeannie V. Operations Manager Consumer Goods Used the software for: 2+ years ### "Ramp is a lifesaver! " April 3, 2025 5.0 Overall- it’s been a breeze to track expenses since switching over to Ramp. Employees receive their monthly spending limit and a virtual and physical card. Then they upload receipts into the system as they use it. The card locks after a certain time if receipts aren’t uploaded. Also you can flag spending after a certain amount. All in all a great system to track employee expenses. Pros This product make employee expense tracking so easy! Cons The set up can be a little tedious but once you are on there it’s very easy to use. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) This is a better expense tracking option as we scale Review Source WL Whitney L. Owner Consumer Goods Used the software for: I used a free trial ### "Ramp is great for larger businesses not so much smaller ones" October 18, 2024 3.0 Pros I like the option it gives for corporate cards and spending. I’m not at a business size that is in need of that option at this time but if for some reason in the future I see my business growing I’ve definitely got ramp at the forefront of my consideration on what to use to track spending and cash flow automation. Cons It’s more suitable for larger businesses with more finance data to keep track of. Review Source AG Ambri G. Controller Oil & Energy Used the software for: 6-12 months ### "Ramp Review" October 21, 2024 5.0 My experience with Ramp has been wonderful and I would recommend this product to anyone looking to have better overview and control of their company expenses. Pros Ramp is very user friendly and provides an interface that just makes sense and the sync with NetSuite saves me and my team so much time. Cons I haven't found anything about Ramp that I do not like. Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) Reason for choosing Ramp I chose Ramp over the other available softwares because the cashback programs and the pricing of the software was better in line with what my company was looking for. We also wanted to get anyway from AmEx because we had several instances where employees couldn't use their cards due to AmEx not being accepted. The sync to NetSuite played a large role in this decision as well. Review Source SV Sarah V. Executive Director Hospital & Health Care Used the software for: Less than 6 months ### "New User / Platform is Wonderful!" March 19, 2025 5.0 We're very happy with our decision! The platform is incredibly easy to navigate, runs smoothly, and customer service is always available to assist whenever needed. Pros The functionality is incredibly simple and minimizes keystrokes. We're very happy with our decision to make the change! Cons As of now, I can't find anything I don't like about Ramp. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Functionality and delivery of checks, more options for vendors. Review Source JV Joelle V. Accounting Manager Hospital & Health Care Used the software for: 1-2 years ### "Top Notch Programming if you have QUICKBOOKS!" July 28, 2025 5.0 I love Ramp - wouldn't work our Accounting Team with anything else at this point. Time saving in AP for sure. Pros Ramp is a great way to manage all your credit card transaction in one place as well as have Bill Pay to pay all your bills. You can have invoices emailed right into Ramp saving to time not having to enter each bill individually. Easy to learn - they provide training - it's secure with credit card transactions and they help with any issues. If you have QuickBooks the program is Free, so the value is more than perfect! It sync's with QuickBooks so Accounting is super simple, and the number of users for user interface is not charged either as long as you are syncing with QuickBooks. Its features are above and beyond any other program I looked into. Cons Sometimes it's hard to get tech support to respond as Quickly as I would like - but I am not super patient person when it comes to issues that do come up, but response time is usually within 24 hours. Review Source ET Eric T. Director, Digital Transformation Automotive Used the software for: 1-2 years ### "RAMP: Better Than AMEX" June 12, 2025 5.0 We switched from AMEX to RAMP. This has simplified our processes and increased usability for end-users. Pros Ramp is super easy to use and very intuitive. The ability to submit expenses via email and SMS has eliminated the need for tracking, keeping and trying to keep track of receipts. Cons RAMP is clearly trying to innovate and remain ahead of the curve. The most recent update to the website has overcomplicated the end user experience. Review Source SK Sarah K. People Ops Manager Computer Software Used the software for: 1-2 years ### "Great for remote companies with lots of use cases" July 17, 2025 5.0 Using Ramp has really allowed us to expand who has access to corporate cards and what their use cases and limits are. Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce approvals on purchases. Ramp has made it really easy for us to customize and streamline credit card access internally. Pros The highlight of Ramp is the ability to issue digital credit cards with varying limits, which empowers our fully remote organization and also makes it easy to issue and rescind cards for new hires or departing employees. Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed. Cons Honestly, at this point, there's nothing that I like least about Ramp. Our organization has turned off the Gmail auto scan integration, which adds an extra step for receipt submission, but that's an internal complaint :) Review Source HC Harrison C. CEO Financial Services Used the software for: 1-2 years ### "Ramp - Great Offerings, Amazing Value," May 25, 2025 5.0 The overall experience has been tremendous. Fantastic customer support, amazing solutions that accelerate accounting processes, providing invaluable insights into our expenses / payables so we can best forecast our expenses and create value in what we actually do. Pros The UI is outstanding and has tremendously helped my firm track and analyze our expenses and payables to better forecast and plan budgets. Also, the integrations are fantastic and make reporting and automating the accounting process a seamless experience that has allowed people to free up time and create value elsewhere. Cons There are not really any cons to Ramp. It is awesome to see a start-up like Ramp take market share and offer a product that the marketplace needed. There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business. Review Source AK Alina K. People and Talent Lead Information Technology and Services Used the software for: 2+ years ### "Does exactly what it needs to" May 5, 2025 5.0 Pros Ease of use, ability to set up multiple cards/spend and track payments and limits on use. Receipt and transaction verification is simple. Reimbursements and expenses are simple. Integrates with slack and can set up text notifications and send receipts through text. Cons There is nothing I can think of that I do not like about Ramp. Review Source AL Amanda L. Senior Graphic Designer Wine and Spirits Used the software for: 2+ years ### "Ramp is fun and easy to use!" November 20, 2023 5.0 Pros I like how approachable and user-friendly Ramp is. It has a really simple interface and straightforward features. I love Ramp's receipt matching integration with my work Gmail, and I also like how easy it is to text a receipt to Ramp and have it matched. The previous software my company used didn't provide a physical card which was really inconvenient, so I'm glad I can have a physical and/or virtual work card through Ramp. Cons From the perspective of an employee who just uses Ramp for monthly expenses and reimbursements, I don't have much negative feedback. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) I'm not fully aware of the reasons why my company switched from Expensify to Ramp, but I imagine it had to do with the cost of the product and Ramp's ability to supply physical work debit cards. Review Source AZ Anna Z. Global Controller Financial Services Used the software for: Less than 6 months ### "My favorite software product" November 15, 2023 5.0 Absolutely love how user-friendly Ramp is. Saves time, money and overall my favorite accounting product. Pros It was extremely easy to set up, link to our existing GL (Netsuite), and learn to navigate. We had an option to try it out Cons Not being able to enter banking instructions under out of pocket reimbursements on behalf of the employees. Alternatives considered [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Reason for choosing Ramp More features, integration with NetSuite Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) We wanted to lower the cost, we like to have access to real-time expenses. The system is much easier to use. Review Source PD Perry D. Senior Account Manager Oil & Energy Used the software for: 6-12 months ### "My Ramp" November 15, 2023 5.0 I thought Concur was easy to use - Ramp is so much better. Pros Ease of use - Ease of use - Ease of use Ease of use Cons Sometimes the reimbursement feature is confusing to use. This may be a result of how my company management asked for reimbursement to be configured. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Ask management. I was not consulted. Ask management. I was not consulted. Review Source KS Kerry S. Director of Finance Staffing and Recruiting Used the software for: Less than 6 months ### "Ramp makes expense management easy!" November 10, 2023 5.0 My overall experience with Ramp is exceedingly positive. Implementation was easy. Day to day use and management is easy. Pros Ramp was easy to implement. We were using the system within an hour. I love the flexibility and security of individual virtual vendor cards to control spending, My staff loves the convenience of submitting receipts and reimbursements. Cons I haven't found anything that I dislike. Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Ramp Simplicity of implementation and use, flexibility and security. Review Source JS Jason S. Director Logistics and Supply Chain Used the software for: 6-12 months ### "Game changer!" November 10, 2023 5.0 Pros Ability to audit and approve expenses on the go. Bill pay integration with Xero for fast, easy reconciliation. Cons Nothing so far. Once we set up our internal processes for workflow and auditing it has been smooth sailing. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/) Reason for choosing Ramp Price - Ramp's monetization platform to collect off the banking side instead of the consumer side is the best I have seen. Review Source pW peiji W. Assistant Controller Construction Used the software for: 1-2 years ### "Ramp Review" March 8, 2025 5.0 Ramp saved us a lot of time to track credit card receipts. Pros Very easy to capture receipts and expenses. Cons So far we do not have any complains about Ramp Review Source VR Verified Reviewer Account Executive Financial Services Used the software for: 6-12 months ### "Ramp is a must for start ups " August 26, 2024 5.0 Their corporate card is easy to use and has the proper controls in place to ensure security and spend control. It really shines on the software side, and everybody who is an admin has direct access into how people are using corporate spend. The card is trustworthy. Pros Ramp is affordable, a smart software, and allows me to track everything I need to track as far as AP goes. I have direct insight into how my employees spend and I am able to categorize + organize everything into one software. Cons Ramp actually solves all of our use cases so I don't have any cons at the moment. Review Source ES Ellie S. Founder Marketing and Advertising Used the software for: Less than 6 months ### "Good for invoices" April 21, 2025 4.0 Pros It's relatively easy to get paid through Ramp and setting up my account was quick Cons It seems like it might be expensive if I had to go beyond just receiving payments through it Review Source TB Tiler B. Office Assisstant Electrical/Electronic Manufacturing Used the software for: 6-12 months ### "Ramp Review" June 10, 2024 5.0 Pros I love that you can upload and submit receipts from your mobile phone it makes keeping track of expenses much easier. Cons It took a little time to learn but once I got the hang of it using it was easy. Review Source BH Blake H. CFO Information Technology and Services Used the software for: 1-2 years ### "Game changer for small businesses" October 27, 2023 5.0 Pros Ramp is very intuitive and integrates well with other financial applications. The expense reimbursement platform has eliminated countless hours for our sales and customer service teams to focus on their clients versus administrative work. The internal controls and spend programs on ramp are well documented and places strong internal controls within the accounting department. Cons There is nothing I can say I do not like about Ramp, but only enhancement would be able to pass prepaid amortization journals to QB. If an expense is paid within Ramp via CC or BILL function, it can be coded to prepaid account, but the amortization journals have to be posted in QB. A strong control and time saver would be for Ramp to create the amortization rules and pass via API to QB to post. Reason for choosing Ramp Intuitive, smart and getting smarter and cost effetive Review Source CR Chervonne R. Bookkeeper Office Manager Marketing and Advertising Used the software for: 6-12 months ### "Ramp makes business easier!" November 10, 2023 4.0 Overall, I'd recommend Ramp to other businesses. I wuld like to see Ramp expanded to AR functionality to receive customer payments as well, this way it could be a one stop shop. Today we have to have more than one program t manage all of our accounting needs. Pros Ramp has truly made life with company card, expense tracking and vendor management and payables! Having working in the finance field for 23 years, I have had vast experience with many softwares. Ramp is one of my favorites and is easy to set-up or disable users, track vendor expenses, and reimbursements Cons We are able to manage accounts payable but it does not have accounts receivable functionalty at all. i've asked if this will be added to Ramp's future functionality before we have to purchase an additional package with another firm and have not yet received any feedback nor a response on this piece. ALSO, the latest update is not ideal with moving items that are ready to process to different tabs. I'd like an option to have all items remain in one screen while working through items that we can upload vs. what is missing items from the users Review Source NL Nicholas L. CIO Mechanical or Industrial Engineering Used the software for: 2+ years ### "Ramp is a life saver." November 12, 2023 5.0 Pros We use virtual credit cards to reduce risk when paying online vendors. If one vendor has a data breach I do not need to worry that our other services will experience any downtime due to missed payment while dealing with one bad vendor. I also really like how easy it is for our small business to get new employees up and running with travel expenses. Cons There is something weird going on with the integration with Gusto and everyone in the company keeps being re-assigned to the same department despite manually fixing it every time I see an error. I think the issue is because of how we track people in Gusto, so not really Ramp's problem. Review Source BP Brandon P. GS Construction Used the software for: 1-2 years ### "Ramp is a Game Changer " November 27, 2023 5.0 Pros Ramp is a simple to use everyday credit card for our company. Were able to expense costs, manage the receipts due to the multiple ways we can send in, i.e. email, pictures, Tex message, in the app itself or physically online. Makes the "i lost my credit card receipt" a thing of the past! Cons not much I can say that i don't like about the card, I guess my only issue is that we cant customize the color/ design of the card. would love to see our LOGO on the cards Review Source JMD Julio Mario D. Fractional CFO Accounting Used the software for: 1-2 years ### "Ramp, best credit card product out there" December 28, 2023 5.0 It is great, I switched from AMEX to Ramp because Amex integration with ERP systems is the worst. Pros You can create infinite cards, with different expiration dates, place the limits, etc Cons I think the website could use some work, maybe it is better nowadays Review Source CB Clem B. Executive Assistant Investment Management Used the software for: 1-2 years ### "Amazing ease of use!" November 13, 2023 5.0 Pros Ramp makes expensing purchases extremely quick, efficient, and easy. All I have to do is forward any emailed confirmation or receipt I get to Ramp and it automatically uploads to my account, where I can just type a memo the expense was for and select which account it should be billed to. It makes life so much easier for expensing the amount we do! Cons The only thing I don't like so far is that sometimes my account wants me to go through multi-step authentication constantly, whereas other times it doesn't require it. It's the times that I have to type in a code when I've already been logged in through the day repeatedly that can be annoying, but it's a security measure and I understand. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.