PayRewards vs. Ramp: 2026 comparison guide
Keep the card you already carry and every point it earns. PayRewards Points land on every bill on top, whether you pay by card or ACH.
- No setup fees
- No monthly or annual subscription fees
- No lock-in
Top 3 reasons to choose PayRewards over Ramp
Bring your own card
Pay bills with the Amex, Chase or airline card you chose for its rewards. There’s nothing to switch.
Points on bank payments
A standard ACH bill on Ramp costs $0.59. On PayRewards, ACH-funded bills earn 1 or 2 points per $1.
No minimum balance
Ramp asks for $25,000 in a US business bank account. PayRewards needs an active business with an EIN.
PayRewards vs. Ramp, feature by feature
Ramp runs on Ramp cards. PayRewards works with the card you already hold.
| Feature | PayRewards | Ramp |
|---|---|---|
| Subscription | FreeEvery user and feature included | Ramp Plus $15 per user/monthPlus a platform fee |
| Rewards and redemptions | ||
| Pay bills with the card you already hold | Yes | Ramp cardsCard bill payments use a Ramp card |
| Earn rate | 1 or 2 points per $1On top of your card’s own points | Up to 1.5% cashbackRate set by Ramp |
| Earn on ACH-funded bills | Yes | Cashback is on Ramp card spend |
| Airline transfer partners | Yes1:1 | Credit card onlySingle earn |
| Gift cards | Yes100+ brands | Credit card onlySingle earn |
| Redeem points to pay vendor invoices | Yes | Ramp statement and Ramp fees only |
| Eligibility | ||
| Minimum cash balance | None | $25,000In a US business bank account |
| Business types | Any US business with an EIN | Corporations, LLCs and LPsNo sole proprietors |
| Card terms | Your own card’s terms | Charge card, paid in full |
| Fees | ||
| Standard ACH bill | 1.75% or 3.25%Earns 1 or 2 points per $1 | $0.59Waived when paid from Ramp Checking |
| Check | $5 | $1.99 |
| Domestic wire | $16 | $15 |
| Integrations | ||
| QuickBooks Online | Yes | Yes |
| Security | ||
| PCI DSS compliant | Yes | Yes |
| Multi-factor authentication | YesPlus passkeys | Yes |
As of September 29, 2026. Sources: Ramp pricing, Ramp Bill Pay fees, Ramp cashback rewards, Ramp eligibility, NerdWallet Ramp review, June 2026. PayRewards: PayRewards pricing.
See what your bills could earn on top
Same bills. Same card. See how many more points land with PayRewards.
Your PayRewards tier
Core earns 1 point per $1 with a 1.75% fee. Plus earns 2 points per $1 with a 3.25% fee.
Extra points with PayRewards, first year
240,000
on top of the points your card already earns
Bills paid in a year$120,000
Paying through PayRewards: card points plus PayRewards Points360,000 pts
Assumes your card earns 1 point per $1.
Illustrative only. Not financial or tax advice. Card payments on PayRewards carry a 2.9% service fee. The PayRewards fee applies on top when you earn PayRewards Points.
Where your points go
Pay bills. Earn and transfer points to whatever moves you.
The same money you were spending anyway, now redeemable across travel, your team, and the business itself.
Your card's miles
Keep earning airline miles
Pay bills that don't take cards on the card you carry, and keep earning miles with Delta, United and American.
100+ brands
Buy gift cards from the best brands
Shop Amazon, Apple, Target and hundreds of brands, with every point worth its full face value at checkout.
Luxury redemptions
Experiences money can't buy
Work with our concierge team on whatever you want, then redeem for the experiences that money can't buy.
Instant transfers
Transfer points to employees as a reward
Recognize your team the very moment it matters, sending points to any employee instantly and directly.
Invoice redemptions
Pay an invoice with points
Put your points straight back into the business, applying them against your very next invoice or bill.
Transfer PayRewards Points to our airline and hotel partners
With direct transfers, it's easy to fly on PayRewards Points — including U.S. domestic routes.
“PayRewards solved a lot of things for us - cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our Vendors are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”
Three steps to your payback
-
Make a payment
Add a bill or import it from QuickBooks Online. Pay by card or ACH. Your vendor gets ACH, wire or check.
-
Boost your points
Pick Core or Plus on each payment. Your card earns its points and PayRewards Points land on top.
-
Redeem
Flights, gift cards, invoices, custom redemptions, or points for your team.
What it costs
No subscription and no minimum balance. The points are optional on card, and every ACH payment earns them.
See full pricing →Service fee
Card payments
Visa, Mastercard and American Express
2.9%
per transaction
Points tier
Core
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 point per $1
POPULAR
Points tier
Plus
Maximize your rewards earnings
3.25%
fee per transaction
2 points per $1
Card payments can skip points and pay 2.9% only. ACH payments carry no service fee and always earn Core or Plus. Fees as of September 29, 2026.
PayRewards vs. Ramp: your questions
Can I use PayRewards and Ramp together?
Yes. Keep Ramp for employee cards and run vendor bills through PayRewards.
Do I need a new card?
No. Pay with the Visa, Mastercard or Amex you already hold and keep its points.
How do PayRewards fees compare to Ramp Bill Pay?
Ramp Bill Pay charges $0.59 per standard ACH, $1.99 per check and $15 per domestic wire, waived when you pay from a Ramp Checking account. On PayRewards, ACH-funded payments carry a Core (1.75%) or Plus (3.25%) rewards fee and earn 1 or 2 points per $1. Card payments carry a 2.9% service fee plus the optional rewards fee. Check delivery is $5 and domestic wire delivery is $16.
Is there a minimum balance?
No. You need an active US business with an EIN.
What can I redeem PayRewards Points for?
Transfer to airline partners, pay your next vendor invoice with points, claim from 100+ gift cards, or request a custom redemption, from tech and golf clubs to a Rolex. You can also gift points to your team.
Does PayRewards sync with QuickBooks Online?
Yes: bill import, payment and automatic reconciliation.
Is PayRewards secure?
PayRewards is PCI DSS compliant, with infrastructure aligned to ISO/IEC 27001 standards. Accounts are protected by MFA and passkeys, card numbers are tokenized and never stored, and suspicious activity is flagged instantly.
Competitor information is based on publicly available sources as of September 29, 2026 and may change. PayRewards Points are earned and redeemed subject to the PayRewards Terms. Card fees may be tax deductible; consult your tax advisor. PayRewards is offered by PayRewards LLC.
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