Navan vs Ramp (2026): Pricing, Features & Verdict
Ramp is our pick, scoring 7.8/10 against 7.4/10 for Navan on our Finance Software criteria. Its biggest advantage: higher Analytics score (7/10 vs 6/10). For 10 users, Navan and Ramp are both free; both Navan and Ramp have a free plan.
Last updated: November 2026
Navan
7.4/10
Navan is a corporate travel and expense platform that combines trip booking, expense reporting, corporate cards and policy controls for companies of all sizes.
Ramp
7.8/10
Ramp is a US spend management platform that combines corporate cards, expense management, bill pay, AR invoicing and AI accounting automation for finance teams.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.4/10 | 7.8/10 |
| Scalability | 8/10 | 8/10 |
| Analytics | 6/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 7/10 | 8/10 |
| Security | 8/10 | 8/10 |
| Support | 7/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 6/10 | 7/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | Contact for pricing | $15/user/mo Plus |
| Estimated cost for 10 users | Free Navan Business | Free Free |
| Features | ||
| Invoicing | ||
| Audit Trail | ||
| Corporate Cards | ||
| Expense Management | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
Navan vs Ramp cost by team size
Navan and Ramp cost the same at every team size we checked.
| Team size | Navan | Ramp |
|---|---|---|
| 1 user | FreeNavan Business | FreeFree |
| 5 users | FreeNavan Business | FreeFree |
| 10 users | FreeNavan Business | FreeFree |
| 25 users | FreeNavan Business | FreeFree |
| 50 users | FreeNavan Business | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Navan and Ramp suit
Ramp fits finance teams better than Navan.
| Audience | Navan | Ramp |
|---|---|---|
| Finance Teams | 7/10Automated policy checks and card reconciliation reduce review work, though gaps in VAT handling are reported. | 9/10Cards, bill pay, accruals and ERP sync are designed to cut close time for controllers and AP staff. |
| Mid-Market | 8/10Combined travel, expense and card tools with ERP and HRIS integrations suit growing companies that travel. | 9/10The Plus plan adds multi-entity support, NetSuite and Sage Intacct sync, custom roles and audit logs, which growing mid-market finance teams need. |
| Small Business | 8/10The free Business plan covers companies up to 300 employees and includes five free expensing users. | 7/10The free plan works well for small firms, but businesses need to be a US corporation or LLC with a meaningful cash balance. |
| Enterprise | 7/10The Enterprise plan adds global coverage, negotiated rates and dedicated account managers, but pricing is opaque. | 7/10The Enterprise tier adds Workday and Oracle Fusion integrations and local cards in 30+ countries, and enterprise spending on the platform has grown, though AP depth trails dedicated suites. |
| Accountants and Bookkeepers | Not rated | 7/10Accounting firms get an Advisor Console to switch between client accounts and manage staff access, along with a partner program. |
| Consultancies | 7/10Travel-heavy firms benefit from booking and expenses being handled in one place. | Not rated |
| Freelancers | Not rated | 2/10Ramp requires an incorporated business with a business bank account, so sole freelancers are generally not eligible. |
| Startups | Not rated | 9/10The free plan, the card with no personal guarantee and a quick setup suit venture-backed startups, which Kruze reports mostly stay on the free tier. |
Which One Should You Choose?
Why choose Navan
Our data shows no clear advantage over Ramp.
Why choose Ramp
- Higher Analytics score (7/10 vs 6/10)
- Higher Integration score (8/10 vs 7/10)
- Better fit for finance teams (9/10 vs 7/10)
- Includes Invoicing, which Navan lacks
Pros & Cons
Navan
Pros
- Business plan travel booking is free for companies up to 300 employees, with no trip limits.
- Travel bookings flow straight into expense reports, which reduces manual entry.
- Navan Connect lets companies keep their existing Visa, Mastercard or Amex cards.
- Holds SOC 1 Type 2, SOC 2 Type 2 and ISO 27001 credentials, and is a PCI DSS Level 1 service provider.
- 24/7 live agents can rebook trips during disruptions.
Cons
- Expense costs 15 USD per user per month after five users, so costs rise with headcount.
- Controls weaken when travel is booked outside the platform.
- Reviewers report gaps in VAT-ready invoicing and in multi-entity controls for European teams.
- Enterprise pricing is quote-only.
- Users report problems with the corporate card abroad and with duplicate expense charges.
Ramp
Pros
- The Free plan includes unlimited cards, bill pay, AR invoicing and QuickBooks and Xero sync, so small teams can get a lot without paying for software.
- The corporate card needs no personal guarantee or credit check, and Kruze's review reports 1.5% cash back on card spend.
- Reviewers consistently praise how easy it is to issue cards and capture receipts. G2 averages about 4.8 out of 5 from roughly 2,400 reviews.
- There are more than 200 integrations, including over 40 ERPs and major HR and payroll systems such as ADP, Gusto and Workday.
- Month-end accruals post with automatic reversals, and the AI Accounting Agent auto-codes transactions to speed up the close.
- Security includes SOC 2 Type II, PCI compliance, SSO with Okta, Google or Azure, and MFA for every user.
Cons
- Ramp is built for US corporations and LLCs, and a cash balance of around $75,000 is typically expected, which rules out sole traders and many very small firms.
- Card purchases in currencies other than USD carry a 3% foreign transaction fee, and local-currency cards in other countries require Enterprise.
- Multi-entity support, NetSuite and Sage Intacct sync, custom roles and the audit log all require the paid Plus plan, which adds a platform fee on top of per-user pricing.
- Some users describe AP and bill pay as basic and say ERP sync runs in daily batches rather than in real time.
- Some users report thin onboarding and support that relies on bots, and Kruze's reviewer survey gives customer service its lowest score.
Not sold on either?
Frequently Asked Questions
Ramp scores higher on our Finance Software criteria: 7.8/10 against 7.4/10 for Navan. The largest gap is in Analytics: 6/10 for Navan and 7/10 for Ramp.
Both are free for 10 users.
Yes, both Navan and Ramp have a free plan.
Ramp is the better fit for finance teams: we rate it 9/10 for them, against 7/10 for Navan.
Ramp has Invoicing, which Navan lacks.
