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 (8.8/10 vs 7.1/10).
| Scored on | Ramp Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 10 | 6 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $250 |
| Per-User Fee | $0 | — |
| Foreign Transaction Fee | 0% | $0 |
| Interest Rate (APR) | N/A (Charge Card) | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
Ramp Card in one paragraph
Ramp is the premier choice for U.S. corporations looking to eliminate personal liability and automate expense management without paying a dime in fees.
Skip it if: You are a sole proprietor or a business that needs to carry a month-to-month balance to manage cash flow.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
Frequently asked questions
Which is better, Ramp Card or The Plum Card from American Express?
On our five-axis scorecard, Ramp Card scores higher (8.8/10 vs 7.1/10). Ramp is the premier choice for U.S. corporations looking to eliminate personal liability and automate expense management without paying a dime in fees.
Who should skip Ramp Card?
You are a sole proprietor or a business that needs to carry a month-to-month balance to manage cash flow.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.