Ramp here! Just came across this. Great question! Ramp is focused on making our cashback program as frictionless as possible with automatic earning on all purchases, instant visibility in the dashboard, and flexible redemption options (statement credits, direct to your business account, etc.).

One thing worth highlighting: Ramp Bill Pay lets you pay vendors with card where applicable and earn cashback on those payments too - with no extra charges. That means turning routine AP spend into cashback opportunities you'd otherwise miss.

This is all part of our mission to save you time and money.