Key differences
- They price differently, so compare the effective annual cost for your numbers in the calculator.
- Ramp is usually faster to fund (about 3 days vs about 1 week).
- American Express asks for a personal guarantee.
- Regions: Ramp covers US; American Express covers US, UK, EU.
Side by side
| Ramp | American Express | |
|---|---|---|
| Product | Corporate card | Business cards |
| Funding type | Corporate cards (spend float) | Corporate cards (spend float) |
| Estimated rate as of today | Interest-free for 1 month, then pay in full | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 3 days | About 1 week |
| Typical size | Up to $250K | Up to $250K |
| Term | 1–2 months | 1–12 months |
| Requirements | No hard minimums listed | Personal guarantee |
| Regions | US | US · UK · EU |
| What they underwrite | Your cash balance | Your cash balance |
| Collateral | Cash balance | Cash balance |
| How you repay | Monthly statement | Monthly statement |
| Dilution | None | None |
American Express
Charge and credit cards; pay-over-time features carry credit-card APRs.
Ramp vs American Express FAQ
What is the difference between Ramp and American Express?
They price differently, so compare the effective annual cost for your numbers in the calculator. Ramp is usually faster to fund (about 3 days vs about 1 week). American Express asks for a personal guarantee. Regions: Ramp covers US; American Express covers US, UK, EU.
Which is faster, Ramp or American Express?
Ramp usually funds in about 3 days; American Express takes about 1 week.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.