Comparison
Capital One Spark vs Ramp
A side-by-side look at Capital One Spark and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Capital One Spark
Small business cards with simple rewards.
Capital One Spark offers small business credit cards with unlimited 2% cashback or miles.
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 One Spark | Ramp |
|---|---|---|
| Tagline | Small business cards with simple rewards. | Corporate cards + spend management that saves you money. |
| Headquarters | McLean, USA | New York, USA |
| Founded | 1994 | 2019 |
| Regions | US | US |
| Card type | Visa / Mastercard credit | Charge card |
| Pricing | $0 - $150/yr. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Unlimited 2% cashback or 2x miles. | 1.5% cashback on all purchases. |
| Best for | US small businesses | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | QuickBooks, Xero | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Capital One Spark: pros & cons
- Simple rewards
- 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