Ramp Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Ramp Card and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.3/10).
| Scored on | Ramp Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 10 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $250 (waived first year) |
| Foreign Transaction Fee | None | $0 |
| Additional Employee Cards | $0 | — |
| Late Payment Fee | Varies by contract | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Ramp Card or The Plum Card from American Express?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.3/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Who should skip The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.