Comparison
Capital on Tap vs Ramp
A side-by-side look at Capital on Tap and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Capital on Tap
The small business credit card with rewards.
Capital on Tap is a UK/US small business credit card offering up to £250k credit lines, 1% cashback and unlimited free cards.
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 | Capital on Tap | Ramp |
|---|---|---|
| Tagline | The small business credit card with rewards. | Corporate cards + spend management that saves you money. |
| Headquarters | London, UK | New York, USA |
| Founded | 2012 | 2019 |
| Regions | UK, US | US |
| Card type | Visa credit | Charge card |
| Pricing | Free Business card; Pro £99/yr; Elite custom. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | 1% cashback or Avios points. | 1.5% cashback on all purchases. |
| Best for | Small businesses, Sole traders | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Capital on Tap: pros & cons
- Real credit line
- Rewards options
- No spend management module
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails