Can I buy Emburse Cards without Emburse expense management?

Emburse presents Cards alongside its expense management solutions, with custom pricing for Spend + Cards and Expense + Cards. It does not publish a standalone Cards plan.

Does Ramp have a free plan?

Yes. Ramp publishes a Free plan at $0 per user per month that includes corporate cards, expense features, bill payments, and travel booking.

How much do Emburse Cards cost?

Emburse lists custom monthly pricing for its Spend + Cards and Expense + Cards bundles. Buyers need to request a quote for the bundle.

Are Ramp and Emburse Cards the same type of card?

No. Ramp lists a corporate liability charge card, while Emburse describes Emburse Cards as prepaid Mastercards.

Do both offer physical and virtual cards?

Yes. Ramp and Emburse Cards both publish physical and virtual card issuance with spending controls.

Which is a better fit for bill payments and travel booking?

Ramp is the more direct fit if you want those workflows in the same product as your cards: its Free plan lists bill payments and travel booking. Emburse presents Cards as part of its expense management solutions.

Which accounting systems do they connect to?

Ramp lists QuickBooks Online and Xero on Free, with NetSuite and Sage Intacct on Plus. Emburse Spend lists QuickBooks and Xero on Basic, with NetSuite and Sage Intacct on Plus.

Can employees manage expenses on a phone?

Yes. Ramp offers a mobile app, and the Emburse Spend iOS and Android app supports receipts, expense submissions, approvals, and card management.

Ramp vs Emburse Cards

Choose Ramp if you want corporate cards within a broader finance platform; choose Emburse Cards if you want prepaid cards integrated with Emburse expense management. Both offer virtual and physical cards with spending controls, but Ramp also publishes plans covering bill payments, travel booking, and accounting automation. Emburse offers Cards alongside its expense management solutions, with bundle pricing available by quote.

Last updated November 1, 2026.

At a glance

Ramp compared with Emburse Cards, one row per dimension
Dimension	Ramp	Emburse Cards
Product scope	Cards, expenses, bill payments, travel, and banking	Cards integrated with Emburse expense management
Card type	Corporate liability charge card	Prepaid Mastercard
Plans and price	Free $0/user/month; Plus $15/user/month plus platform fee; Enterprise custom	Spend + Cards and Expense + Cards; custom monthly pricing
Getting started	Start for free or contact sales	Request a demo
Card quantity	Unlimited physical and virtual cards	Unlimited physical and virtual cards
Spending controls	Category and vendor controls; spend limits	Card-level spending rules; approval flows
Receipts	Automatic collection and matching	Mobile capture and reminders
Accounting integrations	QuickBooks Online and Xero on Free; NetSuite and Sage Intacct on Plus	QuickBooks and Xero on Spend Basic; NetSuite and Sage Intacct on Spend Plus
Mobile access	Ramp mobile app	Emburse Spend iOS and Android app
Support	24/7 chat on Free; 24/7 phone on Plus and Enterprise	24/7 online support with Emburse Spend
Card network	Visa	Mastercard

Scroll the table sideways to compare each row.

Which should you choose?

Choose Ramp if

Teams seeking a published free plan
Businesses combining cards, bill payments, and travel booking
Finance teams wanting a corporate charge card
Teams needing QuickBooks Online or Xero integration on a free plan

See Ramp — $1,000 Sign-Up Bonus

Choose Emburse Cards if

Teams using or considering Emburse expense management
Businesses seeking prepaid Mastercard cards
Teams wanting card transactions linked to Emburse expense reports
Buyers comfortable requesting a bundle quote

See Emburse Cards

The verdict

Pick Ramp when the deciding factor is bringing cards, expenses, bill payments, and travel into one platform with a published free plan. Pick Emburse Cards when the deciding factor is issuing prepaid cards within an Emburse expense workflow. Compare the full subscription cost before deciding: Ramp publishes its plan prices, while Emburse quotes its Cards and expense-management bundles.