The Ramp credit card in Canada is a free Visa charge card in CAD and USD with a fixed 1% cashback and expense automation that codes GST/HST into Xero and QuickBooks, launched in Canada on July 28, 2026. New accounts get US$250 after US$1,000 of spend. Here is what it does, where it wins, and where Float fits better.
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At CA$15,000 a month, the 1% cashback plus the US$250 bonus cover a real share of your software and ad spend. Figures are indicative CAD amounts and exclude any Ramp Plus fees. Two assumptions, not live rates: US$1 = CA$1.41 for the bonus, and your current card charges 2.5% on USD purchases. Ramp’s own FX fee on a CAD card used for USD is not published, so it is not modelled.
Only if all four lines below are true. Each comes from Ramp’s Canadian help centre, checked October 6, 2026. Tap the ones you meet.
Ramp says most applications are reviewed within about a week after all documents are in.
Ramp does not pull personal credit bureau data for Canadian applications.
Any line you cannot confirm means Ramp will turn the application down. The two alternatives on this page take the businesses Ramp does not.
Apply for Ramp: US$250 after US$1,000 spendRamp may not onboard some industries, including cryptocurrency and cannabis businesses.
Ramp turns away sole proprietors, businesses registered in Quebec or the territories, and businesses under CA$25,000 in connected accounts. Neither option below has a minimum balance, and a corporation that starts on one can move to Ramp once its connected balances clear CA$25,000.
Serves every province and territory, Quebec included, and accepts sole proprietors registered federally or provincially. Professional is free for 12 months through our link.
A business account with cards for corporations and sole proprietors outside Quebec. Registered corporations get up to $500 through our link.
Weighing the two side by side? Read Float vs Ramp in Canada, which sets eligibility, cashback and yield next to each other.
Cross-border and USD-heavy Canadian corporations, scaling teams, and anyone who wants free cards plus 1% cashback with real accounting automation.
Sole proprietors, businesses registered in Quebec or the territories, and businesses holding under CA$25,000 across their bank accounts.
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 to look at first; for purely CAD-first operations, Float (Canadian-built, with a free 12-month Professional offer) is worth comparing. The US$250 bonus makes the trial easy.
Yes, and the card is free. Ramp launched in Canada on July 28, 2026 and issues Visa cards in CAD (physical and virtual) and USD (virtual) to Canadian corporations, incorporated partnerships and not-for-profits through Peoples Trust Company, a federally regulated trust company. It is a charge card rather than a revolving credit card: the full balance is due every 30-day statement, there is no interest and no personal guarantee, and the limit comes from the cash Ramp can see in your linked accounts. The Free plan is CA$0 per user with no published end date; Ramp Plus is CA$15 per user per month plus a platform fee, billed annually, with a 30-day trial. Cashback is a fixed 1% on CAD and USD spend, GST, HST, PST and QST are coded automatically, and transactions sync to QuickBooks Online and Xero on Free, with NetSuite, Sage Intacct and Business Central on Plus. New accounts get US$250 after US$1,000 of card spend through a partner link like ours. You need at least CA$25,000 across linked accounts, and Ramp does not onboard businesses registered in Quebec or the territories; Saskatchewan is supported. Strongest for USD-heavy and cross-border teams; a CAD-first business should compare Float.
Each answer opens with the fact, checked at ramp.com, Ramp’s Canadian pricing page and its Canadian help-centre articles on September 18, 2026.
1% on all eligible spend, on both CAD and USD cards, with no minimums and no categories, and Ramp's Canadian help centre states the rate is fixed and not subject to adjustment. Cashback accrues monthly, is tracked separately for each currency and is applied as a statement credit. The 1.5% you may see quoted is the US card programme, not the Canadian one.
Apply for Ramp: US$250 after US$1,000 spendYes. Ramp issues Visa cards in CAD (physical and virtual) and USD (virtual only) to Canadian businesses on one login, all issued by Peoples Trust Company, a federally regulated Canadian trust company and CDIC member. Physical CAD cards ship to Canadian addresses only, typically within 7 to 10 business days. Match the card currency to the purchase: Ramp charges a foreign exchange fee when a CAD card is used for a USD transaction or the reverse, which is the reason to run US software and ad spend on a USD virtual card. The USD statement is debited from a USD bank account you connect for the Canadian entity; a Canadian-domiciled USD account works, and a US one is not required.
Yes, through Bill Pay funded from your CAD bank account: Ramp's Canadian help centre says you can pay vendors in USD, EUR, GBP and other supported currencies directly from a CAD account, with Ramp converting the currency at payment time, so no separate USD account is needed. Canadian vendors are paid by EFT, and employee reimbursements also go out by EFT to Canadian bank accounts. Two limits to know: Bill Pay cannot be funded from a Canadian-domiciled USD account, and Ramp notes that international payments may incur transactional or financing fees, so check the quoted rate before you approve a large foreign payment. For USD card spend, use a USD virtual card instead.
No. Ramp's checking account (2% APY) and investment account (up to 4.48%) are US deposit products offered through First Internet Bank of Indiana, Ramp's help centre says non-US entities cannot open a Ramp Business Account, and neither the Canadian pricing page nor the Canadian product page lists an account or treasury product. In Canada, Ramp sits on top of the bank account you already have. If yield on idle cash matters, Float pays 2.5% on CAD balances and 2.75% on USD balances and Venn pays interest on both currencies.
Yes. The Free plan is CA$0 per user per month with no published end date, and Ramp Plus is CA$15 per user per month plus a platform fee based on team size, billed annually, with a 30-day free trial. Neither the Canadian nor the US pricing page says the Free plan expires or converts to paid; the only time-limited element is the Plus trial, which starts billing one month after you turn it on. Cards are unlimited on both plans at no extra cost, and the NetSuite, Sage Intacct and Business Central integrations need Plus. The Plus subscription can be paid in CAD, and Ramp lets you apply card rewards against it.
Apply for Ramp: US$250 after US$1,000 spendYes. The Free plan includes unlimited CAD and USD cards, receipt matching, employee repayments, approval workflows, invoice OCR, basic accounting rules and tax tracking, and the QuickBooks Online and Xero integrations. Plus adds AI-driven expense reviews and policy insights, per diems and expense groups, parallel approvers and auto-lock cards, auto-coded line items, automated batch payments, advanced and HRIS-based accounting rules, custom reports and budgets, and the NetSuite, Sage Intacct and Microsoft Business Central integrations. Ramp pitches Free at smaller Canadian teams; Plus is for teams that want the AI-driven automation and the ERP integrations.
Yes, on the Plus plan: Ramp's Canadian pricing page lists NetSuite, Sage Intacct and Microsoft Business Central under Plus, while QuickBooks Online and Xero are included on Free. Card transactions, reimbursements and bill payments sync as journal entries or AP bills, and the NetSuite integration supports multi-entity and international setups, so a Canadian subsidiary can post into a group NetSuite instance. Anything else gets Ramp's universal CSV export.
Yes. Ramp automatically captures and codes HST, GST, PST and QST on transactions: it reads the receipt, identifies the tax amounts and tax type, and maps them to the tax codes in your accounting system, so input tax credits land in Xero or QuickBooks without manual tagging. Tax tracking is included on the Free plan. Map your tax codes once in the integration settings, and note that a business based in Quebec cannot open a Ramp account even though Ramp can code QST on purchases made there.
Corporations, incorporated partnerships and not-for-profits registered in Canada, with a Canadian business number, a linked Canadian bank account and at least CA$25,000 across the connected accounts; sole proprietorships are not eligible. Ramp supports businesses legally registered in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island and Saskatchewan, and does not support Quebec, Yukon, the Northwest Territories or Nunavut. There is no personal credit check and no personal guarantee, and Ramp says most applications are reviewed within about a week after all documents are submitted. The CA$25,000 is a floor, not a guarantee of approval.
Apply for Ramp: US$250 after US$1,000 spendIt works like one at the till and Ramp markets it as a corporate credit card, but it is a charge card: the full statement balance is due every 30-day cycle, there is no revolving balance and no interest, and the limit is set from the cash Ramp can see in your linked accounts rather than from personal credit. In Canada, CAD statements are collected by pre-authorized debit and USD statements are settled separately, and Ramp reviews limits on an ongoing basis, so a large drop in cash can lower your limit.
Why cross-border Canadian corporations look at 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 avoid the FX fee on US software and ads, with the USD statement paid from a connected USD account.
Earn 1% back on every eligible dollar of card spend, CAD or USD, with no minimums or categories; Ramp states the Canadian rate is fixed. Paid monthly as a statement credit per currency.
AI matches receipts from email and SMS and auto-codes GST/HST/PST/QST, so your books stay clean without manual entry.
QuickBooks Online and Xero sync on the Free plan; NetSuite, Sage Intacct and Business Central on Plus, all posting in CAD with tax codes.
Underwritten on the business (via Peoples Trust Company, a federally regulated trust), with no personal credit check.
EFT to Canadian vendors, and USD, EUR, GBP and other currencies paid with automatic conversion, no separate USD account needed.
New accounts get US$250 after US$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.
The two real Canadian options are Ramp and Float (Brex, the US comparison people search for, does not serve Canadian-only companies). Ramp is available to eligible Canadian corporations, with CAD and USD cards, a fixed 1% cashback and the deepest spend automation and ERP integrations. Float is a Canadian card and spend platform with its own CAD and USD accounts: balances earn interest, bills go out by EFT, and it serves every province and accepts registered sole proprietors. It runs beside your bank rather than replacing it, since it has no pre-authorized debits or cheques. Choose Ramp if you are incorporated outside Quebec and the territories, have CA$25,000 in connected accounts and want the automation; choose Float if you keep cash on the platform, are registered in Quebec or a territory, or are a sole proprietor.
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.
Ramp launched in Canada on July 28, 2026 and announced a Toronto office at Adelaide and Spadina, and most of what people read about Ramp online still describes the American product. Here is where the Canadian version diverges, from ramp.com/en-ca, Ramp's Canadian pricing page and its Canadian help-centre articles, checked September 18, 2026.
The Free plan is CA$0 per user. Move to Ramp Plus, CA$15 per user per month plus a platform fee and billed annually, only if you need NetSuite, Sage Intacct or Business Central, or the deeper approval controls.
Everything most Canadian businesses need to control spend.
For AI-driven automation, deeper controls and ERP integrations.
Note: The Free plan is CA$0 per user per month and has no published end date. Ramp Plus is CA$15 per user per month plus a platform fee based on team size, billed annually, with a 30-day free trial that starts billing one month after you turn it on. Pricing verified at ramp.com September 25, 2026. The US$250 bonus applies to new accounts after US$1,000 of card spend (offer updated October 16, 2026).
Connect your Canadian bank accounts (Plaid works with RBC, BMO, TD, CIBC, Scotiabank, Desjardins, EQ Bank and Wealthsimple) and complete the KYB check. Ramp says most applications are reviewed within about a week once all documents are in, and the US$250 offer is attached to the link.
Create virtual cards for your software stack (AWS, Google Ads, HubSpot) in the currency the vendor bills in, so you earn cashback and avoid the FX fee on mismatched-currency purchases.
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 or QuickBooks Online on Free, or NetSuite, Sage Intacct and Business Central on Plus.
Every Ramp fee and feature on this page comes from Ramp's own pages (ramp.com/en-ca, its Canadian pricing page and its Canadian help-centre articles), read by a CPA and re-checked monthly. We look at what a Canadian corporation actually gets: CAD and USD card issuance, multi-currency handling, receipt capture, GST/HST coding, policy controls, and the Xero, QuickBooks Online and NetSuite syncs. Eligibility, including the province list, was last re-checked at support.ramp.com on October 6, 2026.
Free CAD and USD cards, 1% fixed cashback, and automation that codes GST/HST into Xero, plus US$250 after your first US$1,000 of spend through our partner link. For CAD-first operations, compare it with Float first.
Ramp
US$250 After US$1,000 Spend