The Ramp Tier 1 is a vendor tradeline from Ramp. The annual fee is $0/mo/user. The ongoing APR is N/A (charge card — no revolving balance). Signup bonus: $3,100 signup bonus. Rewards: Up to 5% cashback and over $350K in partner offers. Cash back: 1%–1.5%. Ramp Corporate Card Issuer: Ramp (fintech / corporate card provider) Reports To: Dun & Bradstreet, Experian Business, Equifax Business Personal Guarantee (PG): Not required — Ramp does not require a personal guarantee for its corporate card for quali | PG verification: Ramp does not require a personal guarantee for its corporate card, which is accurate. | EXPERT REFERENCE (Mar 2025): No hard credit pull on personal credit, only on business credit. | EXPERT REFERENCE (Mar 2025): No personal guarantee required. | EXPERT REFERENCE (Mar 2025): Credit limits can go as high as $2,000,000. | EXPERT REFERENCE (Mar 2025): Requires at least $75k in linked business bank accounts. | EXPERT REFERENCE (Mar 2025): No personal credit check to get approved | EXPERT REFERENCE (Mar 2025): No personal guarantee required | EXPERT REFERENCE (Mar 2025): 20x higher credit limits than traditional banks | EXPERT REFERENCE (Mar 2025): Never reports to the personal credit bureaus | EXPERT REFERENCE (Mar 2025): Reports only to major business credit reporting agencies | EXPERT REFERENCE (Mar 2025): 90-day bill pay financing with Ramp Flex | EXPERT REFERENCE (Mar 2025): 1.5% cash back on all spend | EXPERT REFERENCE (Apr 2026): Approved for a $6,000 limit with a brand new LLC (30 days old), no business credit, no tradelines, and no real history. | EXPERT REFERENCE (Apr 2026): Approval achieved with $25,000+ in business bank account, no credit check, no personal guarantee, and required only LLC docs, EIN, and ID. | EXPERT REFERENCE (Apr 2026): Approval process completed in 3 days, fully online. | EXPERT REFERENCE (Mar 2025): Approves spending limits up to $2,000,000. | EXPERT REFERENCE (Mar 2025): No hard credit pull to apply. | EXPERT REFERENCE (Mar 2025): Annual Fee: $0. | EXPERT REFERENCE (Mar 2025): Earn unlimited 1.5% cash back on all purchases. | EXPERT REFERENCE (Mar 2025): No APR; it's a charge card requiring full balance payment each billing cycle. | EXPERT REFERENCE (Mar 2025): No foreign transaction fee. | EXPERT REFERENCE (Mar 2025): Unlimited virtual and physical cards. | EXPERT REFERENCE (Mar 2025): Up to 20x higher credit limits than traditional options. | EXPERT REFERENCE (Mar 2025): Includes automatic receipt matching, expense categorization, spending controls, and automatic approval flows.