Ramp startup perks: $350K+ in partner deals with Ramp's finance stack

What you get

• Access to $350K+ in perks, including credits and discounts from partners such as AWS, Datadog, Notion, OpenAI, Google Cloud and Retool
• Business account earning up to 2% APY, with an optional investment account targeting up to 4.64% YTM (Ramp's figures, with risk disclosures)
• Corporate cards with AI receipt capture and spend controls
• Bill payments and procurement tools, plus access to Ramp's VC and founder community

Eligibility

• You need to be approved as a Ramp customer. Ramp makes credit and approval decisions
• Banking is provided through US partners (First Internet Bank of Indiana, Member FDIC), so it is aimed at US businesses
• Members of Ramp-partner accelerators may already be pre-qualified

How Ramp startup perks work

Credit types and validity

• $350K+ in partner perks (credits and discounts from AWS, Datadog, Notion, OpenAI, Google Cloud, Retool and others)
• Business account earning up to 2% APY; optional investment account (Ramp cites up to 4.64% YTM, not FDIC-insured)
• Corporate cards with AI receipt capture and spend controls
• Bill pay, procurement tools and access to Ramp's VC/founder community

How the credits are applied and when they expire

The perks come with being a Ramp customer. Once your application is approved, you unlock the partner offers from inside your Ramp account, and each partner's own terms and eligibility rules apply. Ramp does not hand out credits itself. The $350K+ figure is the combined value of the partner deals on offer.

Approval time

Ramp says the application takes about 2 minutes and review/approval may take 1–2 business days

For founders in India

Banking is provided through US partner banks (First Internet Bank of Indiana, Member FDIC), so Ramp is aimed at US businesses. Ramp publishes no India eligibility, so an India-only entity should not expect to qualify. Founders with a US entity, such as a Delaware C-corp, are the realistic fit.

How to apply, step by step

1. Go to ramp.com/startups, enter your email and click 'Get started'
2. Fill in the application. Ramp says it takes about 2 minutes, and review and approval may take 1–2 business days
3. Once approved, open business/investment accounts or connect your existing bank, then issue cards and set spend policies
4. Unlock the partner perks from inside your Ramp account

Documents and details to keep ready

• Business email
• Ramp does not publish a document list on the startups page. Expect standard business and bank verification during the account application

Tips before you apply

• Ask your accelerator whether it partners with Ramp; you may be pre-qualified
• Check the individual partner terms before counting a perk; many have their own stage or 'new customer' rules
• Read Ramp's risk disclosures: yields are variable and investment accounts can lose value

Terms to know

• Perks come with being a Ramp customer, and each partner's own terms apply
• Yields are variable. Investment accounts aren't FDIC-insured and can lose value