Every time you spend money on your Ramp card, the merchant pays a fee (called "interchange") that is split between Visa (Ramp's card network) and the merchant's underlying bank. We get a share of that. Since your Ramp card is a charge card, we don’t make money from interest on the Ramp Card.
If your company chooses to use Ramp Flex*, a fee will be calculated and shown to you upfront; this fee will be incurred on bills that are financed with Flex. Learn more here: Ramp Flex Tenors, Fees, and Repayments.
We don’t make money through membership or annual fees.
*Ramp Flex is subject to credit approval and restrictions, and will not be available in all states.