• Only valid for new Ramp customers. 
• Criteria for sign-up bonus: (i) spend and repay at least $1,000 on a Ramp Card within 90 days, or (ii) pay at least 3 bills via Ramp Bill Pay within 90 days.

Ramp is an all-in-one financial operations platform built for businesses, combining corporate cards, expense management, bill payments, accounting automation, procurement, travel, and treasury into a single system. 

It has become a go-to option for startups, and now, through NachoNacho's partnership, you can get a $1,000 sign-up bonus simply by subscribing through our platform. This discount is exclusive to the NachoNacho platform.

Ramp's main highlight is corporate cards with granular controls: teams can issue unlimited physical and virtual cards with built-in controls, set custom policies, and automate receipt collection to eliminate manual follow-ups. The selling point compared to traditional expense tools is that it tries to prevent wasteful or out-of-policy spending before it happens rather than catching it after the fact, letting finance teams set guardrails and limits per cardholder or category up front.

A major focus of the platform is AI-driven automation that strips out manual finance busywork. With AI-powered transaction categorization and integrations with accounting platforms like NetSuite, QuickBooks, and Xero, Ramp reduces time spent on reconciliations and ensures accurate books. It automatically codes and categorizes employee expenses consistently, matches receipts to transactions, flags non-compliant spend, and notifies employees when something is out of policy. 

Beyond cards and expenses, Ramp has expanded into a broader finance suite with strong support for global and multi-entity operations. It allows businesses to issue cards and manage expenses in over 190 countries and 30+ local currencies, including Euros and Canadian dollars, with features like free international wires and unified spend tracking across different currencies. 

Keep reading to discover more Ramp features, discounts, pricing, and alternatives.

How does this Ramp discount work?

Sign up for Ramp through NachoNacho and you'll unlock an exclusive $1,000 sign-up bonus you won't find anywhere else. This offer is available only to new Ramp customers, so if you haven't yet brought Ramp's all-in-one corporate cards, expense management, and bill pay into your business, now's the perfect time to start. To claim your bonus, simply meet one of two easy criteria within your first 90 days: either spend and repay at least $1,000 on your Ramp Card, or pay at least 3 bills using Ramp Bill Pay. Hit either milestone and the $1,000 is yours.

Who is eligible for this Ramp discount?

You're eligible if you're a new Ramp customer signing up through NachoNacho. Existing or current Ramp customers don't qualify. Once you've signed up as a new customer, you actually earn the $1,000 bonus by meeting either one of these two criteria within 90 days: (i) spend and repay at least $1,000 on a Ramp Card, or (ii) pay at least 3 bills via Ramp Bill Pay. You only need to satisfy one of the two paths, not both.

• 📈 ~4.15% APY on Treasury Account — put your runway to work with next-day liquidity
• 💰 2% APY on fully liquid operating cash — earn yield on cash you're already holding, unlike Mercury/Brex which earn 0% on checking (FDIC-insured up to $2.5M)
• 💳 1.5% uncapped cashback — flat rate on all card spend, no point system, no spending tiers
• 💡 Lower software & AI token spend — benchmark your vendor costs against thousands of similar companies, flag where you're overpaying, and track AI token spend across OpenAI, Anthropic, and AWS in real time — so you catch waste before it compounds
• 👁️ Real-time visibility & control of burn — see every dollar spent by employee, department, and vendor the moment it happens; set limits, lock cards, and enforce policy automatically before spend gets out of hand
• ⏱️Time savings — AI auto-codes transactions, auto-captures receipts, and auto-routes approvals; your team stops chasing paperwork and closes the books in hours not days
• ✅ Built-in compliance — automated policy enforcement, audit trails, approval workflows, and receipt requirements baked in; no more manual review or out-of-policy spend slipping through
• 🏦 No minimum balance, no personal guarantee required
• 🎁 $350K+ in vendor credits — AWS, OpenAI, Notion, Stripe, Slack, and more; redeemable directly on Ramp; offsets your biggest software costs from day one
• 💸 $1,000 sign-on bonus — for companies signing up through a partner link

How does Ramp Work?

Ramp works by replacing your scattered finance tools: corporate cards, expense reports, bill payments, and accounting reconciliation. Then, it uses automation to handle the manual work that normally falls on a finance team. Here's how it flows in practice:

• Sign up and get cards: You register your business and get approved based on your company's financials and bank balance, not a personal credit check. Ramp issues physical and unlimited virtual corporate cards.
• Set the rules up front: Before anyone spends, you configure spending limits per employee or department, merchant category restrictions, and approval workflows—so out-of-policy spending is blocked before it happens rather than caught later.
• Spend and auto-capture: When an employee makes a purchase, Ramp logs the transaction in real time and prompts for a receipt (usually a quick photo by text or email).
• AI codes everything: Ramp's AI automatically matches each receipt to its transaction and categorizes it to the right account—eliminating traditional expense reports.
• Pay bills and reimburse: Ramp Bill Pay centralizes invoices, routes them through approval, and pays vendors domestically or internationally in multiple currencies. Employee reimbursements go out in local currency.
• Sync to accounting: Transactions flow into NetSuite, QuickBooks, Xero, and others already categorized and reconciled, shrinking month-end close from days to minutes.
• Get visibility and rewards: Live dashboards show spend by employee, vendor, and budget, surface savings opportunities, and you earn up to 1.5% cash back—all on a free base platform, with a paid Plus tier for advanced controls.