Pick Ramp when
- You're a company giving cards to employees (real humans).
- You want full spend management, receipts, accounting integration.
- You're ready to onboard a corporate entity.
Pick CardForAgent when
- You want a card for an AI agent, not a person.
- You're an individual or small team, not a finance department.
- You don't need policy approval workflows or receipt OCR.
Side-by-side
| Feature | Ramp | CardForAgent |
|---|---|---|
| Issued to | Employees | AI agents |
| Onboarding | Corporate KYB / KYC | Email + magic link |
| Spend approval | Multi-step policy workflows | Per-card hard limit, no approver |
| MCP server | No | Yes |
| Best for | Companies | Builders / agents |
Honest take
Ramp is excellent at what it does — but what it does is a different job. If you're trying to give one of Ramp's cards to an AI agent, you're fighting the product. If you're running a finance team, do not use CardForAgent for employee spend.