If you're researching how to qualify for Ramp, you're probably a growing business looking for a corporate card that gives you real spending controls, expense management, and a credit line that fits your stage. Ramp has specific eligibility requirements worth understanding before you apply. More importantly, those requirements reveal something about who Ramp is actually built for — and whether a broader platform like BILL Spend & Expense might serve your business better.

What is a Ramp card?

Ramp is a corporate charge card and spend management platform designed for U.S.-based businesses. It offers a Visa business card paired with expense management software, automated receipt matching, accounting integrations, and spend analytics.

Like other charge cards, Ramp requires the full balance to be paid each billing cycle — there is no option to carry a revolving balance from month to month. The card has no annual fee and earns flat-rate cash back on purchases. Ramp markets itself primarily to startups and venture-backed companies, though it's available to established small and mid-sized businesses that meet its eligibility requirements.

How does the Ramp credit card work?

Ramp operates as a charge card, not a traditional credit card. Here's how it functions in practice:

• Credit limits are set by your bank balance. Ramp connects to your business bank account and sets your spending limit as a percentage of the cash in that account. Your available credit is not fixed — it rises and falls as your checking balance changes. A large payroll run, a slow collections month, or a significant vendor payment can all reduce your Ramp limit, even if your business is healthy overall.
• The full balance is due each cycle. Every charge must be paid in full at the end of each billing period. There is no option to carry a balance.
• Rewards are flat-rate. Ramp offers 1.5% cash back on eligible purchases, with no tiered categories or bonus multipliers.
• Expense management is built in. Ramp includes software for receipt capture, expense approvals, and accounting sync with QuickBooks, NetSuite, Sage Intacct, and others.
• No personal guarantee is required. Ramp bases its underwriting on your business's financial profile, not personal assets.

The bank-balance model is the most important mechanic to understand for growing businesses. Your spending power is directly tied to a single account snapshot — which means it can compress at the exact moment you need it most. The comparison section below covers how BILL handles this differently.‍

_{Source: The mechanics described below are based on Ramp's publicly available support documentation at support.ramp.com. Always verify current terms directly with Ramp before applying.}

How to qualify for a Ramp card?

To qualify for a Ramp card, your business must meet all of the following:

• Be a registered U.S. business entity. Ramp accepts corporations, LLCs, and limited partnerships only. Sole proprietors, freelancers, and unregistered businesses are not eligible.
• Have at least $25,000 in a U.S. business bank account. This is Ramp's most commonly cited requirement and the one most likely to disqualify growing businesses. The balance must be in an account you can link to your application — Ramp uses it to calculate your spending limit.
• Have a physical U.S. business address. PO boxes, virtual offices, registered agent addresses, and mail-forwarding services are not accepted.
• Have an Employer Identification Number (EIN). All applicants must provide an EIN — this is a legal compliance requirement and cannot be waived.
• Use a business email address. Personal email domains (Gmail, Yahoo, Outlook, etc.) are not accepted.

Once you meet these requirements, the application asks for corporate formation details, monthly business card spend estimates, identity verification for one corporate officer (last four digits of SSN), and bank account credentials. Ramp does not require a personal guarantee — credit limits are based entirely on business financials.

_{Source: The requirements below are taken directly from Ramp's official support documentation: Qualifications to apply for Ramp (U.S.-based). This information reflects Ramp's published requirements as of August 2026 and is subject to change. Always confirm current requirements directly with Ramp before applying.}

BILL Spend & Expense vs. Ramp: full comparison

_{Source: Ramp data in this table is based on Ramp's publicly available support documentation and marketing materials as of August 2026. BILL data is based on BILL's published product information and BILL Divvy Card terms. Both columns are subject to change — verify current details directly with each provider before applying.}

Why BILL Spend & Expense is the better fit for growing businesses

BILL Spend & Expense is BILL's corporate card and expense management platform, built around the BILL Divvy Card — a business charge card issued by one of Divvy Pay, LLC's bank partners, with no security deposit and no personal guarantee required.[1]

The difference between the two platforms comes down to three things that matter disproportionately when a business is growing:

Credit lines that don't shrink when you need them

Ramp's underwriting is a single-input model: your available credit tracks your bank balance. BILL uses multiple underwriting inputs — the result is a credit line that stays consistent even when your checking account dips during payroll, a large vendor run, or a slow receivables month. For businesses in active growth, that stability is often the more important number than the headline credit limit.

Credit lines on the BILL Divvy Card range from $1,000 to $5,000,000 and are determined at application approval.[1] BILL offers variable, fixed, and pre-payment credit structures depending on your business profile.

Rewards on what you already spend the most on — vendors

Ramp's 1.5% cash back applies to card purchases made by your team. BILL's rewards model goes further: because BILL Spend & Expense is built directly into BILL's accounts payable platform, you earn rewards on vendor invoice payments too — not just employee card spend. For businesses moving significant volume through AP, that's a meaningful difference in total rewards earned.

BILL Divvy Card rewards go up to 7x points on select categories based on payoff frequency.[3] Rewards can be redeemed as cash back, statement credits, gift cards, or travel benefits.

One platform for spend, payables, and reporting

Ramp is a spend management layer that plugs into your existing tools. BILL is the tool. BILL Spend & Expense runs alongside accounts payable, accounts receivable, and cash flow forecasting in one platform — used by nearly half a million businesses.[2] Card transactions, enforceable budgets, vendor payments, and physical and virtual cards all live together, with deep two-way syncs to QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics.[4]

For growing businesses where finance teams are lean, reducing the number of tools that need to talk to each other has real operational value.

How to apply for BILL Spend & Expense

Business can apply online and takes minutes to complete. The initial application does not impact your personal credit score. You'll provide basic business information, details about authorized signers, and identity verification for beneficial owners to satisfy KYC requirements.

If approved, your credit line is confirmed at that stage. You can then issue cards to employees, set budgets by person or team, and start earning rewards on eligible purchases. Existing BILL AP customers can add Spend & Expense without reapplying for the AP platform.

Frequently asked questions

What is the Ramp card?

Ramp is a corporate charge card and spend management platform for U.S.-based businesses. It offers a Visa business card with no annual fee, flat 1.5% cash back, and built-in expense management software. The full balance must be paid each billing cycle — there is no option to carry a balance. Credit limits are set as a percentage of the cash in your connected business bank account, so available credit fluctuates with your checking balance.

How does the Ramp credit card work for growing businesses?

Ramp sets your credit limit based on your bank account balance. If that balance drops due to payroll, vendor payments, or a slow collections month, your available credit shrinks at the same time. For growing businesses that need consistent spending capacity, this variable model can be a real constraint. BILL Spend & Expense uses multiple underwriting inputs to set a more stable credit line — and integrates rewards with vendor invoice payments, not just employee card spend.[1]

Can I qualify for BILL Spend & Expense if I don't have $25,000 in my bank account?

BILL does not publish a specific minimum bank balance requirement. Eligibility is determined through credit approval based on your overall business profile. Businesses that would be ineligible for Ramp due to the $25,000 minimum may still qualify for a BILL Spend & Expense account, depending on their financial profile.[1]

Does the BILL Divvy Card require a personal guarantee?

No. The BILL Divvy Card does not require a personal guarantee. Business owners are not personally liable for the card balance, and the credit line does not count against the owner's personal credit.[1]

What fees come with the BILL Divvy Card?

There is a $0 annual fee, no per-card fees, and no monthly fees for the card program. There are also no BILL transaction fees when using the BILL Divvy Card to pay vendors through BILL AP. A 2.9% surcharge applies if you fund invoice payments with a non-BILL card through Pay by Card — using the BILL Divvy Card via the AP feature eliminates this fee.

How does BILL report card activity?

BILL reports to the Small Business Financial Exchange (SBFE), so on-time BILL Divvy Card payments can help build your business credit history over time.

Disclosures

[1] Eligibility for a BILL Spend & Expense account is subject to credit approval and underwriting. Credit limits and terms, including rates and fees, may vary based on eligibility criteria. Credit lines and the advertised range are not guaranteed and will be determined upon application approval. Terms apply.

[2] As of September 30, 2025, 498,000 businesses use BILL's solutions. Source: FY2026 Q1 investor deck (Nov 2025).

[3] Individual results vary. Typical annual rewards are calculated following the BILL billing cycle.

[4] Based on official contracts and integrations. BILL integrates with leading accounting software: QuickBooks, Xero, Oracle NetSuite, Sage Intacct, and Microsoft Dynamics.

The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners (bill.com/bank-partners). The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.

BILL and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on, for tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. BILL assumes no responsibility for any inaccuracies or inconsistencies in the content. While BILL has made every attempt to ensure that the information contained in this site has been obtained from reliable sources, BILL is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied. In no event shall BILL, its affiliates or parent company, or the directors, officers, agents or employees thereof, be liable to you or anyone else for any decision made or action taken in reliance on the information in this site or for any consequential, special or similar damages, even if advised of the possibility of such damages.

Sources

• Ramp Help Center — Qualifications to apply for Ramp (U.S.-based). Accessed August 2026.
• BILL — BILL Spend & Expense product page. Accessed August 2026.
• BILL — BILL Divvy Card / Business Credit page. Accessed August 2026.
• BILL — BILL Divvy Card Requirements blog post. Accessed August 2026.
• BILL FY2026 Q1 Investor Deck (November 2025) — source for approved corporate claim [2]: 498,000 businesses as of September 30, 2025.
• BILL External Comms — Approved Marketing Claims (updated March 11, 2026) — source for approved product claims [3] and [4].
• BILL bank partners disclosure — bill.com/bank-partners.