Comparison
American Express Business vs Ramp
A side-by-side look at American Express Business and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
American Express Business
Business cards with industry-leading rewards.
American Express offers a broad portfolio of charge and credit cards for US and international businesses — from Blue Business Plus to The Business Platinum.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | American Express Business | Ramp |
|---|---|---|
| Tagline | Business cards with industry-leading rewards. | Corporate cards + spend management that saves you money. |
| Headquarters | New York, USA | New York, USA |
| Founded | 1850 | 2019 |
| Regions | US, Global | US |
| Card type | Charge + credit | Charge card |
| Pricing | From $0 to $695/yr. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Membership Rewards, 5x on travel, 4x on dining. | 1.5% cashback on all purchases. |
| Best for | SMBs, Mid-market, Travel-heavy businesses | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | QuickBooks, Xero, NetSuite, SAP Concur | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
American Express Business: pros & cons
- Best rewards in market
- Strong protections
- Acceptance gaps vs Visa/MC
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails