Costs & Pricing

Metric	Ramp Corporate Card	Blue Business℠ Plus Credit Card
Annual fee	$0 on the card. Platform software is separate: Free $0/user/mo; Plus $15/user/mo + unpublished platform fee by team size (20% off annual); Enterprise custom.	$0 (CMA: Annual Fee None)
Employee card fee	$0; unlimited physical and virtual cards	$0 (CMA: Annual Fee for Additional Cards: None)
Purchase APR	N/A — charge card; no revolving APR published. Marketing “0%” is 30-day statement float, not an intro APR.	Variable Prime + 9.99% to Prime + 21.74% (marketing 16.74%–28.49% as of late Aug 2026 at Prime 6.75%). Placement by creditworthiness and other factors at opening. Cap 29.99%. CMA formula wins over landing-page vintage ranges.
Intro APR (purchases)	Not offered (no APR product)	0% intro APR on purchases for 12 months from account opening, then the variable purchase APR
Foreign transaction fee	No separate FTF line. International charges that clear in a non-settlement currency: Visa conversion + markup not exceeding 3%. Local-currency cards on Enterprise / Canada can avoid conversion if spend matches card currency.	2.7% of each transaction after conversion to U.S. dollars (via AE Exposure Management Ltd.)
Late payment fee	Official: none on the card product. Auto-pay of the full statement is required; failed debit is the operational penalty (possible lock, limit cut, account action).	Up to $39; $39 if Minimum Payment Due is not received by due date, not to exceed the Minimum Payment Due

Rewards & Value

Metric	Ramp Corporate Card	Blue Business℠ Plus Credit Card
Base earn rate	Rate determined by Ramp on Qualified Purchases (Rewards Terms, 15 Jul 2026). Public/spokesperson range 0%–1.5% assigned per customer. Do not treat 1.5% as guaranteed. Canada cards are a separate fixed 1% (out of scope).	2 Membership Rewards points per $1 on the first $50,000 eligible purchases per calendar year, then 1X. Official copy: no category restrictions. Cap resets each calendar year, not cardmember anniversary.
Welcome bonus	Not disclosed on official corporate-card or pricing pages (3 Sep 2026). Third-party listings conflict: NerdWallet 15 Jun 2026 — $1,000 Ramp card on approval, no min spend, one per new customer; older reviews $500. Treat live offer as Unclear — confirm on application.	Standard public offer (Amex compare and partner pages, late Aug–early Sep 2026): 15,000 Membership Rewards points after $3,000 eligible purchases in the first 3 months. Historical typical public offer has sat at 15k/$3k/3 mo for years.
Redemption value	Cash/statement path is 1¢ per 1% only to the extent Ramp assigned that earn rate. Transfers are not 1:1. Cashback is not automatic unless auto-applied to Plus/Bill Pay fees.	Issuer examples for 10,000 points: $60 toward eligible Card Charges (~0.6¢); $100 on AmexTravel.com flights (~1.0¢); $70 at Amazon.com (~0.7¢); up to $100 toward select gift cards. Transfer value is partner- and award-dependent. Disclose cash/statement at 0.6¢ and AmexTravel flights at 1.0¢; do not assume transfer uplift unless the user picks a partner.
Transfer partners	Not listed in current Rewards Terms. Historical 2024 in-product list (verify in-dashboard): Aeromexico, Flying Blue, Avianca LifeMiles, British Airways, Etihad Guest, Marriott Bonvoy, Qantas, Qatar Privilege Club, TAP Miles&Go, Wyndham — commonly 1.5 Ramp points : 1 partner unit. Min historically 100 partner points (150 Ramp). Irreversible; name must match an authorized admin.	Membership Rewards program (not card-unique; lists move). Commonly 16 airline + 3–4 hotel partners as of mid/late 2026. Secondary catalog compilations: most airlines 1:1; Aeromexico 1:1.6; Cathay 5:4; Emirates 5:4; JetBlue 250:200 or 1:0.8; Hilton 1:2; Marriott 1:1; Choice 1:1; Leading Hotels of the World reported 4:1 after July 2026. Etihad Guest transfers ended 30 June 2026. Re-check the logged-in MR transfer page. Typical minimum 1,000 points (JetBlue lower). Transfers generally no fee. Points do not expire while the Rewards Account remains open and in good standing.

Credit & Eligibility

Metric	Ramp Corporate Card	Blue Business℠ Plus Credit Card
Personal guarantee	Not required. Official: “Ramp does not require founders to personally guarantee your expenses.” Corporate liability.	Yes. CMA: Joint and Several Liability — both the Basic Card Member and the Company are each individually responsible for the Account. We may seek payment from either or both.
Credit check	Official: no personal credit check; no impact to personal credit score. Last 4 of SSN (or foreign passport) of one officer is KYC, plus selfie/ID if stepped up — not a published hard pull.	Business credit may be impacted on submit; personal credit not impacted to receive a decision; personal credit may be impacted if the applicant accepts the card. Soft-then-hard pattern. Whose file: the applying Basic Card Member.
Employee cards	Unlimited physical and virtual; company liable. Spend controls: amount, frequency, category block/allow, merchant lock. Apple Pay / Google Pay; 3DS. USD physical cards: no PIN.	$0. Benefits dashboard copy: add up to 99 Employee Blue Business Plus Cards. Owner earns MR on employee eligible spend; alerts and summary reports. Owner/Company remain liable. Spend controls via alerts/Account Manager — not a Ramp-style native policy engine.
Product type	Corporate / commercial charge card plus spend-management platform (pay-in-full; not revolving; no published APR)	Revolving business credit card with a stated Credit Limit plus Expanded Buying Power (excess due in full with the minimum payment). Not a charge card and not a fintech spend-management card.

Pros & Cons

Ramp Corporate Card

Pros

• $0 card AF and $0 extra-card fees with unlimited virtual/physical cards
• No personal guarantee and no personal credit check (official); corporate liability
• Native controls, receipt capture, and accounting sync — the software is the product
• 30-day interest-free float if auto-pay succeeds
• Visa Signature purchase security, extended warranty, and rental CDW on USD cards

Cons

• Cashback rate is not a published guarantee (0–1.5%, Ramp-determined); foreign/non-USD spend excluded from Qualified Purchases
• Must pay in full; cannot revolve or balance-transfer
• Sole props ineligible; $25k cash + real U.S. address bar
• FX markup up to 3% despite “no FTF” marketing; Plus platform fee and 2026 Bill Pay per-item fees can erase “free”
• Limit can move with linked cash; missed debit is operationally harsh

Blue Business℠ Plus Credit Card

Pros

• $0 annual fee and $0 employee-card fees
• 2X Membership Rewards on the first $50,000 eligible purchases each calendar year with no category tracking
• AmexTravel.com 2X that does not consume the $50k cap
• 0% intro APR on purchases for 12 months
• Points sit in Membership Rewards and can transfer to airline/hotel partners; purchase protection and extended warranty listed on the official benefits block

Cons

• 2X layer caps at $50,000 per calendar year, then 1X
• 2.7% foreign transaction fee
• Public welcome bonus is modest versus premium Amex business cards (15k / $3k / 3 mo on compare pages)
• Joint-and-several personal liability
• No lounge, GE/TSA, trip-cancellation, or cell-phone benefits on the official list; post-intro APR band is high (16.74%–28.49% variable)

Verdict

Ramp Corporate Card

Ramp is a charge-card ops platform, not a 1.5% bank card and not Brex’s sibling SKU. Official no-PG / no personal pull plus unlimited virtual cards is the reason to pick it. Do not assume 1.5% cashback, a public welcome bonus, or true $0 FX. Sole props, revolvers, and rate-guarantee shoppers should use a traditional PG cash card instead. Plus seats and Bill Pay rails are software costs, not a card annual fee.

Blue Business℠ Plus Credit Card

This is the Membership Rewards twin of Blue Business Cash — same chassis, same $50k cap, same 0% intro, not cash back and not Business Gold. Confirm the live apply-flow welcome (15k standard vs targeted 25k–75k). Poor daily driver for uncapped high spend, foreign spend, or anyone who will revolve after the intro period.