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