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$500 after US$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% 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 corporations, scaling teams, and anyone who wants free cards plus 1% cashback with real accounting automation.
Sole proprietors, businesses based in Quebec, Saskatchewan or the territories, and low-spend businesses holding under CA$25,000 in the bank.
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 US$500 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$500 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 based in Quebec, Saskatchewan or the territories. 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$500 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.
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 a 2.5% base rate on CAD and USD balances and Venn pays interest on both currencies.
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. Ramp earns interchange on card spend, which is why the platform is free. The Plus subscription can be paid in CAD, and Ramp lets you apply card rewards against it.
Apply for Ramp: US$500 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. Most Canadian businesses we work with stay on Free.
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 in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario and Prince Edward Island, and does not support Quebec, Saskatchewan, 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$500 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.
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% 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$500 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 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.
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 core platform is free, Ramp earns from interchange. Scale to Ramp Plus only if you need advanced procurement and multi-entity controls.
Everything most Canadian businesses need to control spend.
For AI-driven automation, deeper controls and ERP integrations.
Note: Ramp earns from interchange (paid by merchants), which is why the Free plan costs nothing 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. The US$500 bonus applies to new accounts after US$1,000 of card spend. Verified at ramp.com September 18, 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$500 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.
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.
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, eligibility, bill pay and Canadian availability re-verified at ramp.com, its Canadian pricing page and its Canadian help-centre articles on September 18, 2026.
Free CAD and USD cards, 1% fixed cashback, and automation that codes GST/HST into Xero, plus US$500 after your first US$1,000 of spend through our partner link. For CAD-first operations, compare it with Float first.
Ramp
US$500 After US$1,000 Spend