Ramp Review (2026): CAD + USD spend for Canadian teams
Ramp gives Canadian businesses free corporate cards in CAD and USD, 1.5% unlimited cashback, and automated expense management that syncs to Xero and QuickBooks. New accounts get $500 USD after $1,000 of spend. Here is what it does, where it wins, and where Float fits better.
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At $15,000/mo, the 1.5% cashback plus the $500 bonus cover a real chunk of your software and ad spend. Shift more USD spend onto Ramp to add the FX savings. Figures are indicative, in the card’s currency, and exclude any Ramp Plus fees.
Cross-border and USD-heavy Canadian businesses, scaling teams, and anyone who wants free cards plus 1.5% cashback with real accounting automation.
Very small or low-spend businesses, and personal-name sole operations without a registered business number.
Ramp is best-in-class for spend automation and now issues CAD and USD cards to Canadian businesses. If your spend leans USD or cross-border, it is the one we install; for purely CAD-first operations, Float (Canadian-built, with a free 12-month Professional offer) is worth comparing. The $500 bonus makes the trial easy.
Is Ramp available in Canada, and is it worth it?
Yes. Ramp now issues CAD and USD corporate cards to registered Canadian businesses (via Peoples Trust, an OSFI-regulated trust), auto-codes GST/HST/PST/QST, and syncs to Xero and QuickBooks in CAD. The core platform is free, it pays 1.5% unlimited cashback, and new accounts get $500 USD after $1,000 of card spend through a partner link like ours. It is strongest for USD-heavy or cross-border businesses; for purely CAD-first operations, Float is worth comparing.
The features that make Ramp worth switching to
The reasons our cross-border clients run spend through Ramp, from free CAD and USD cards to the automation that keeps the books closing on time.
Issue CAD physical and virtual cards plus USD virtual cards from a single account. USD cards dodge the ~2.5% FX markup on US software and ads.
Earn 1.5% back on every dollar of card spend, CAD or USD, with no categories or caps, applied as a statement credit.
AI matches receipts from email and SMS and auto-codes GST/HST/PST/QST, so your books stay clean without manual entry.
Two-way accounting sync in CAD, and one of the few free tools with a genuine NetSuite integration.
Underwritten on the business (via Peoples Trust, an OSFI-regulated trust), not the founder’s personal credit.
Pay domestic and international vendors, often at better rates than a bank wire.
New accounts get $500 USD after $1,000 of card spend through our partner link, no code to enter.
Ramp flags duplicate and unused subscriptions and surfaces savings, so total spend drops over time.
Where Ramp wins, and where it does not
Ramp vs Float vs Brex in Canada
The two real Canadian options are Ramp and Float (Brex, the US comparison people search for, does not serve Canadian businesses). The honest distinction: Ramp is a US platform with best-in-class spend automation and a Canadian card attached, while Float is a full Canadian operating account. Ramp is the stronger fit for US operations, multi-entity global companies, and the deepest automation and integrations; Float wins the CAD day-to-day, since it pays CAD and USD vendors, holds both currencies, and earns yield on both. Choose Ramp for USD-heavy and cross-border spend, Float for CAD-first Canadian operations.
Searching for Brex? It requires US incorporation with an EIN, so Canadian companies cannot open an account. See our Float vs Ramp comparison for the CAD-first vs USD-heavy decision.
What Ramp actually costs in 2026
The core platform is free, Ramp earns from interchange. Scale to Ramp Plus only if you need advanced procurement and multi-entity controls.
Everything most businesses need to control spend.
For advanced procurement and multi-entity controls.
Note: Ramp earns from interchange (paid by merchants), which is why the core platform is free. Ramp Plus is billed per user for advanced controls. The $500 USD bonus applies to new accounts after $1,000 of card spend. Verified July 2026.
From application to automated spend in five steps
Link your business bank account for real-time underwriting. Approval often takes under 24 hours, and the $500 offer is attached to the link.
Instantly create virtual cards for your software stack (AWS, Google Ads, HubSpot) in CAD or USD to start earning cashback immediately.
Add employees and set individual spend limits, so nobody shares a generic card number.
Set automated rules (for example, software under $100 needs no approval) and GST/HST tax coding.
Map your chart of accounts to Ramp once, and let the auto-sync push coded transactions into Xero, QuickBooks, or NetSuite in CAD.
We set up Ramp so spend codes itself into Xero.
Ramp automates the capture, but the value comes from the setup: card policies, approval rules, GL mapping, and GST/HST codes. We configure Ramp for Canadian and cross-border businesses on fixed monthly pricing.
What our testing found
We tested Ramp with a cross-border Canadian company over 4 months, running both CAD and USD transactions. We evaluated CAD and USD card issuance, multi-currency handling, receipt capture, GST/HST coding, policy controls, and Xero, QuickBooks, and NetSuite sync. Pricing and Canadian availability verified July 2026.
9 questions people ask about Ramp
About $5,000 of year-one value on $15,000/mo of spend.
Free CAD and USD cards, 1.5% cashback, and automation that codes GST/HST into Xero, plus $500 USD after your first $1,000 of spend through our partner link. For CAD-first operations, compare it with Float first.
Ramp
$500 USD After $1,000 Spend