Ramp
Ramp is a B2B expense / corporate issued on Visa, rated 8.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Ramp is the strongest fit for ad spend and AI subscriptions, and asks for business KYC at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Ramp · B2B Expense / Corporate |
| Official site | https://ramp.com |
| Best for | Ad spend · AI subscriptions |
| Network | Visa |
| Rating | 8.1/10 (4.0★, 550 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | 0 |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | Not applicable (charge card, pre-funded from linked bank) |
| FX / conversion fee | 0 |
Verification and risk
| KYC required | Business verification ··· |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited |
Billing
| Billing address | US General |
| Billing country | United States |
Platform compatibility
| ChatGPT | Yes |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT |
What the issuer states on its own site
- Key outcomes: Ramp customers have saved 27M+ hours collectively, close books 75% faster, and run intake-to-pay 3x more efficiently, with full implementation in 30 days or less.
- 6. **Payment:** Validated spend processed via ACH, card, check, or wire, zero fees on domestic ACH and checks.
- Choose pricing tier (Free, Plus, or Enterprise) based on integration and automation needs.
Source: https://ramp.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 413652 | Visa | United States | Credit | 271 | 196 | 72.3% |
We logged 196 cleared charges out of 271 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Ramp cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; top-ups cost Not applicable (charge card, pre-funded from linked bank); conversion is priced at 0. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Ramp?
Ramp asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Business verification (KYB): US registered entity (corp/LLC/LP) + $25k US business bank balance; no personal credit check/guarantee
How can I fund Ramp?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Ramp need?
Setting it up: the billing address type is US General; cards are issued against United States; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Ramp work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Ramp trigger 3-D Secure?
Yes. Ramp supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Ramp?
The issuer allows Unlimited. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.