--- title: "Ramp Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Ramp the right Expense Report solution for you? Explore 221 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/207081/Ramp/reviews/" page_type: "reviews" language: "en" --- Ramp 4.9 (221) [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 September 4th, 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 Michael C VP MarketingComputer Software, 51 - 200 employeesUsed the software for: Less than 6 months. “Most of what Ramp does is not built into most business banking accounts so it doesn't really provide much that we don't get with American Express Business account“ July 6, 2026 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Cards were issued and the spend limits were established on the very first day, and all employees quickly managed to navigate through the application with no issues whatsoever.“ May 17, 2026 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 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Regarding security concerns, I find granular control over the card settings useful as it helps to prevent mistakes in advance.“ May 17, 2026 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 Eri D FounderAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “Overall, it offers good value in terms of costs compared to the combination of apps it substitutes.“ May 17, 2026 CE Charles E Vice President, Equipment AnalyticsOil & Energy, 201 - 500 employeesUsed the software for: 6-12 months. “It is not fully integrated into our SAP system requiring additional work on our end to transfer work order numbers and service order tracking.“ November 10, 2023 ## Showing most helpful reviews Showing 1-25 of 221 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Nicholas L. Finance Director & Dinner Groups Director Religious Institutions Used the software for: Less than 6 months ### "Simplified Expense Management" April 7, 2021 5.0 We have been very pleased with Ramp. They have lived up to their claims they make on the website. I love that they listen to their customers. They have been very responsive to our needs. It brings me joy knowing that our employees love using it because it means receipts are being turned in on time. Pros It's an all-in-one expense management system. Before using Ramp, we used American Express and Zoho. It's been great having everything in one house now. Our team loves that they received instant text messages and or emails when a purchased has been made. Being able to create virtual cards in an instant has been great. We also love how simple reimbursements have been using Ramp. The slack integration is good, and I have no doubt will improve. They've been very responsive to missing features. Cons I would love to see some more features around delegation. Allowing others (like administrative assistants) fill out their receipts on their behalf without giving them full access to the users account. Alternatives considered [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Reason for choosing Ramp The 1.5% cashback and the simplicity won us over. The slack integration was also key in our decision. Switched from [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) Zoho's automated features did not work for us. It has a very difficult time reading a receipt. We also didn't like that we had to manually enter all of our American Express transactions. Customer support works odd hours. Review Source EH Erin H. COO Medical Devices Used the software for: 1-2 years ### "Great UI, saves lots of time for our small team" March 31, 2025 5.0 Ramp has been great for our small business. Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic expense reporting. Pros Ramp is easy to use, it integrates well with our internal workflows, and with external systems. Cons I wish the invoice and receipt email capture system worked with more file types. Switched from [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Ramp offered better integrations and ease of use. Review Source CC Christina C. Office Manager Accounting Used the software for: 6-12 months ### "Ramp Review" May 29, 2025 3.0 Large companys use this application to help them streamline their business operations. Applications and companies like Ramp help businesses focus on their more important operations. Pros Quick delivery of incoming payments and notification is always ahead of schedule. Very interactive employees and that is always appreciated! Cons The sales employees can be a little persistent in regards to utilizing more of the application. Just not as interested in using it for more. 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 Zach B. Co-Founder & CEO Banking Used the software for: 6-12 months ### "Smooth onboarding and great reporting" September 29, 2020 5.0 We've been really happy with the ease of use and the reporting features, our employees seem to like using it and the cashback is a nice overall win for the team Pros I love the reporting features and the ability to easily generate cards for employees or vendors. Breaking them down into how the money is spent is really nice Cons The physical cards could definitely be a bit nicer ... you'll gain no extra street cred throwing this baby down at a meal with a candidate Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/) Reason for choosing Ramp See above Switched from [Brex](https://www.capterra.com/p/182054/Brex/) Mostly the accounting integrations and reporting features that Ramp had / Brex lacked 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 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 KC Katie C. Account Manager Food & Beverages Used the software for: 6-12 months ### "Great Tool for Business Trips!" February 28, 2025 5.0 I used Ramp for the first time on a work trip to NYC. Normally when I travel I have to find a way to keep track of my expenses while busy and on the go. That way when I return I can make sure I have all the information needed to fill out a spreadsheet to return them. With Ramp I did not have to worry about it. It kept the information for me to reference when I returned. It my trip more enjoyable and productive. Pros It makes keeping track of company expenses very easy! Cons So far so good. I just love that I have all my expenses in one place in stead of having to submit them through a spreadsheet. 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 TS Tiah S. Accounts Payable and General Ledger Associate Accounting Used the software for: Less than 6 months ### "Efficient and Easy To Use" November 18, 2024 4.0 Ramp is a great, user-friendly, efficient software system. It allows for a simple invoice approval and payment process. It is also an efficient expense management program. Pros Easy to use, user-friendly. Streamlined process. Cons Minor issue with program integration. Unable to work 100% with current software. Review Source Enrique A. Vice President, Human Resources & Administration Construction Used the software for: 6-12 months ### "A user-friendly expense reporting platform that rewards YOU when you use it!" October 24, 2023 5.0 Pros The Ramp platform makes it easy to do everything that a corporate card administrator or user might need to: issue new cards, assign expense policies, code transactions, integrate with accounting software, suspend or terminate cards, adjust spending limits. Part of the reason we switched to Ramp is the fact that we can administer our card program almost entirely online, without having to call into a call center as we had to with Amex; coupled with no annual fees, going to Ramp was a no-brainer. The implementation process is straightforward and the Ramp team is there every step of the way, so you can have the platform up and running in a fairly short amount of time, particularly compared to some competing card expense reporting solutions. But the best thing by far is that Ramp "pays" you to use it in the form of cash rebates on certain transactions -- what a concept! Cons It's honestly quite difficult to identify any cons with the Ramp platform. One challenge we've had is that card authorizations (or merchant holds) take a long time to drop off; and before they do, the cardholder and their manager often get multiple notifications that a "transaction" requires action. Physical cards take several days to be delivered; other corporate card issuers turn cards around a lot faster. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Combination of cost and ease of use Review Source CW Catherine W. Area Sales Manager Financial Services Used the software for: Less than 6 months ### "Ramp is an excellent product" November 15, 2023 5.0 My overall experience has been excellent. I have no complaints and no suggestions on how to improve. Pros I like that once I make a purchase using my Ramp card I immediately receive a text message that asked me for description. It makes it very easy to not only stay in compliance, but track my own expenses for auditing. Cons I honestly can’t think of anything. This is the easiest and most thorough expense reporting I have ever used Review Source Jim E. President CEO Food & Beverages Used the software for: 2+ years ### "Impressive System" November 15, 2023 5.0 Pros Ease of use and the mobile app has made expense reporting an easy process. Approvals are easy to review and allow for quick logging of expenses by GL codes. Cons WE really have not experienced any issues during transition and ongoing experiences with RAMP Review Source CR Cindy R. COO CFO Non-Profit Organization Management Used the software for: 1-2 years ### "No more bat needed." November 10, 2023 5.0 Much much improved over our old cards and system. Pros Our employees are getting invoices in timely allowing for better company reporting and quicker external reimbursement requests. Cons Signing up new employees for cards is confusing as multiple ways to do it. Also not happy as one set of bank statements I have to load manually each month as they are in a treasury account not connected to you all. 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 KS Kenny S. Executive Pastor Religious Institutions Used the software for: 6-12 months ### "Ramp has been a game changer" November 15, 2023 5.0 Ramp has been responsive and easy to manage. I don't hesitate to recommend it to others. Pros Our users love the ability to submit all required documentation from their phones and administrators love the ability to review without a lot of paper management. Cons Requires a bit of work on the front end to set it up but after it is right, things work very well. Review Source SK Samuel K. Managing Director Venture Capital & Private Equity Used the software for: 1-2 years ### "Using Ramp as corporate card" November 10, 2023 5.0 Using Ramp really made my life easy vs. using conventional corporate card. Cannot image without using Ramp! Pros Being able to change the limits of each card holder. Also, the speed of expense information being uploaded Cons There is nothing I dislike about Ramp at the moment. Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/) Review Source VE Vicki E. Office Manager Religious Institutions Used the software for: 6-12 months ### "So easy and helpful" November 14, 2023 5.0 Ramp has helped our church with accounting tremendously! Their customer service is top-notch!! Pros The app makes tracking receipts and categorizing expenses so easy! The integration with Quickbooks Online is effortless!! Cons Overall Ramp is exceptionally easy to use. The only thing I have found difficult is trying to create a "rule" for memos or Quickbooks categories. 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.