Ramp Review: Global Spend Management for Canadian Tech
The corporate card built for scale. Save an average of 3.5% with zero-touch expenses, 1.5% cashback, and industry-leading FX rates.
Disclosure: Some links may be affiliate links. If you use them, we may earn a commission at no extra cost to you.
At a Glance
Best For
VC-backed startups, Cross-border businesses (CAD/USD), and rapidly scaling teams.
Not Ideal For
Small local service businesses, Sole Proprietorships, or companies with low monthly spend (<$10k).
CPA Verified Review
"Ramp is the best-in-class solution for Canadian companies with significant USD expenses. The integration with NetSuite and Xero is flawless."
— Seb Prost, CPA
Founder, LedgerLogic
February 2026
Why We Choose It
- Industry-leading 1.5% unlimited cashback.
- Best-in-class multi-currency support (CAD, USD, GBP, EUR).
- Automated receipt matching via SMS/Email is 99% accurate.
- Direct integration with NetSuite (rare for free tools).
- No personal guarantee required (based on cash balance).
What to Watch For
- Requires $75k+ USD in bank balance for approval (typically).
- Strictly for corporations (no Sole Props).
- Physical card delivery can take longer in Canada than US.
- Cashback rates can vary based on custom enterprise agreements.
| Feature | Ramp | Traditional Bank Card |
|---|---|---|
| Annual Fee | $0 | $120 - $150 / card |
| FX Fees | Low / Competitive | 2.5% on every transaction |
| Cashback | 1.5% Unlimited | 0.5% - 1% (Capped) |
| Receipts | Automatic Matching | Manual Submission |
| Limits | Dynamic (Based on Cash) | Fixed Credit Limit |
Growth-Friendly Pricing
Core platform is free. Scale with Ramp Plus.
Ramp Core
Most Popular$0/ user / month
Everything you need to control spend.
Ramp Plus
Enterprise$15/ user / month
For complex approval workflows.
Note: Ramp earns revenue from interchange fees (paid by merchants), which allows them to keep the core platform free for businesses.
How We Implement It
Our standard playbook for rolling this out correctly.
Apply Online
Link your business bank account for real-time underwriting. Approval often takes < 24 hours.
Issue Virtual Cards
Instantly create cards for your software stack (AWS, Google Ads, HubSpot) to earn immediate cashback.
Invite Team
Add employees and set individual spend limits. No more sharing generic credit card numbers.
Configure Policies
Set up automated rules (e.g., "Software under $100 requires no approval").
Sync Accounting
Map your chart of accounts to Ramp once, and let the autopilot handle the rest.
Spend Control Sprint
We'll configure Ramp to automate your accounts payable and expense reporting, saving your finance team 10+ hours/week.
What's Included
- Expense Policy Design
- Approval Workflow Configuration
- GL Code Mapping (Xero/NetSuite)
- Vendor Card Migration
Deliverables
- Automated Receipt Collection System
- Real-Time Spend Dashboard
- Employee Training Guide
- 1-Month Optimization Check-in
Typical completion: 3-5 business days
Frequently Asked Questions
Is Ramp available to Canadian companies?
How does the credit limit work?
Do I need a personal guarantee?
Does it work with NetSuite?
Can I pay international vendors?
Looking for More Accounting Tools?
Explore our complete guide to the best accounting software and tools for Canadian businesses.
Browse All Tools