Rho vs. Ramp

Ramp suits teams that want a free tier with unlimited cards, configurable approval workflows, bill pay, and QuickBooks Online and Xero integrations (ramp.com/pricing, October 25, 2026). Ramp does not publish its Cashback rate on ramp.com/pricing or ramp.com/corporate-cards. NerdWallet (last updated June 15, 2026) reports a range of 0% to 1.5%, varying by customer. Rho publishes its Cashback rates before you apply.

Ramp says credit limits are based on financial factors such as revenue or dollars raised, and that it requires no personal credit check or personal guarantee (ramp.com/corporate-cards, October 25, 2026). NerdWallet (last updated June 15, 2026) reports Ramp requires at least $25,000 in cash in a US business bank account. Rho card approval and limits are subject to underwriting.

Ramp and Brex are two corporate card providers startups compare with Rho. This page covers Rho vs Ramp. For Brex, see how Ramp compares with Brex, and see Ramp alternatives.

Rho Platinum members can earn Cashback of up to 2% on Daily Terms and up to 1.75% on Monthly Terms (terms apply). Rho Platinum is a program, not a plan: no fee and no application, but you qualify by meeting all four conditions: payroll funding routed through Rho, business revenue deposited into Rho Checking, 50% or more of company assets at Rho, and an open Rho Corporate Card. Cashback requires paying the full statement balance on time and applies to up to $1,000,000 of eligible card spend per calendar year.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC.

Yes. Up to 2% on Daily Terms (terms apply) is the Rho Platinum rate. The standard rate is up to 1.25% on Daily Terms (terms apply). To qualify for Rho Platinum, meet all four conditions: payroll funding routed through Rho, business revenue deposited into Rho Checking, 50% or more of company assets at Rho, and an open Rho Corporate Card.

Monthly Terms require $25,000 held at Rho, or $75,000 across Rho and linked external business accounts, and are subject to underwriting. Cashback is up to 1% on Monthly Terms, or up to 1.75% with Rho Platinum (terms apply).

Yes. Rho includes native integrations for QuickBooks Online, NetSuite, Sage Intacct, and Puzzle with no subscription, per-user or platform fee. Ramp includes QuickBooks Online and Xero integrations in its free tier, and NetSuite and Sage Intacct integrations are on Ramp Plus (ramp.com/pricing, October 25, 2026).

Ramp's free tier includes unlimited cards, configurable approval workflows, bill pay, and QuickBooks Online and Xero integrations (ramp.com/pricing, October 25, 2026). Multi-entity support, NetSuite and Sage Intacct integrations, custom user roles, and automated batch payments are on Ramp Plus, which costs $15 per user per month plus a platform fee based on team size that Ramp does not publish. Procurement is an add-on to Plus or Enterprise. Rho does not charge a subscription, per-user or platform fee for expense management, corporate cards or Bill Pay.

The up to $75M figure applies to the Rho Business Savings Account, held through American Deposit Management Co. and its partner banks, not to checking. Checking at Webster Bank, a division of Santander Bank, N.A., and Lead Bank is FDIC-insured up to $250,000 per entity. FDIC insurance protects against the failure of an FDIC-insured bank, not the failure of Rho or any other third party.

When you want banking and spend management in one system: published Cashback terms (up to 2% Cashback with Rho Platinum on Daily Terms, terms apply) so you can read the rate before you apply, no subscription, per-user or platform fees on expense management, corporate cards or Bill Pay, named partner banks (Webster Bank, a division of Santander Bank, N.A., Member FDIC, and Lead Bank, Member FDIC), and 24/7 live human support.

Rho is a fintech company, not a bank. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC. Savings account services are provided by American Deposit Management Co. and its partner banks. FDIC insurance protects against the failure of an FDIC-insured bank, not the failure of Rho or any other third party.