Last verified 32 days ago·15 sources·Updated automatically
BILL Spend & Expense and Navan compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.
BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
3.4kBILL Holdings total headcount (~3,350, mid-2026).
3k3,000+ employees (2026, vendor-stated)
Pricing
Starting Monthly Price (USD)
$0Free software; no subscription or per-user fees. Revenue via interchange.
$0Navan Business is free (travel + first 5 expense users); card has no annual fee
Paid Tier Price (USD/user/mo)
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$15$15/user/mo for expense users beyond the first 5 (Navan Business)
Card & limits
Card Type
charge cardPay-in-full charge card, no revolving balance/APR.
charge cardCorporate-liability card (no personal credit impact); issued via Celtic Bank/Stripe/Adyen. Type not labeled 'charge card' on any first-party Navan card page.
Card Network
VisaBILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).
VisaIssued-card network not first-party confirmed (inferred)
No Personal Guarantee
Underwritten on business financial health, not a personal guarantee.
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Limit Basis
cash balance & revenueCredit line based on business financial health; $1,000-$5M range.
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Virtual Cards
Unlimited physical and virtual cards with per-card limits/rules.
Unlimited on-demand virtual cards with customizable spend limits; auto-generated per booking
No Foreign Transaction Fees
Foreign currency / cross-border fees may apply on international spend.
No conversion fee on cross-currency card spend: a purchase card issued in one currency can be used in others, settling in the issuing currency (USD/GBP/EUR) with no conversion fee.
Rewards & cash back
Rewards Model
tiered pointsPoints multipliers by category and payment frequency (up to 7x dining, 5x hotels, 2x software); redeemable for cash back.
flat cash backUp to 1.5% back on every Navan card transaction; travel-centric rewards also via Navan Rewards
Flat Cash-Back Rate
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1.5%Up to 1.5% back on every Navan card transaction ('up to' is the ceiling rate)
Spend management
Receipt Capture & Matching
Snap/text receipts; AI auto-matches them to transactions.
Mobile receipt photo upload, auto-matched to transactions; travel charges auto-coded to trip/GL
Approval Workflows & Policies
Custom budgets, assigned card limits, and automated approval workflows.
Out-of-pocket reimbursements via payroll or bank, across 45 countries / 25 currencies; included free for first 5 users
Bill Pay / AP
Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.
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Security & compliance
SOC 2
Annual SOC 2 Type II audit (also SOC 1).
AICPA SOC 2 Type 2 (also SOC 1 Type 2)
SSO (SAML)
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SSO via SAML 2.0 (Okta, Azure) and OpenID Connect
SCIM Provisioning
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SCIM provisioning (Okta SCIM); HRIS integrations also via SCIM
Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.
Native sync to NetSuite, QuickBooks Online, Xero, Sage (Intacct), Datev
Public API
API listed among platform features; public developer-doc URL not separately verified.
Public Booking API and Expense API for integrating booking/expense transaction data
The verdict
BILL Spend & Expense
Best for free software and category rewards
BILL's software is $0 with no per-user fees, while Navan charges $15/user/mo for expense users beyond the first five. Rewards are tiered points (up to 7x dining, 5x hotels, 2x software) versus Navan's flat 1.5% cash back, and limits are set on cash balance and revenue ($1K-$5M) with no personal guarantee. Tradeoff: it does charge foreign transaction fees.
Best for international spend and enterprise identity
Navan charges no foreign transaction fees, where BILL does, and handles reimbursements across 45 countries and 25 currencies. It adds SAML SSO and SCIM provisioning that BILL doesn't list. The catch is cost: free for travel plus five expense users, then $15/user/mo, and rewards are a flat 1.5% rather than BILL's tiered points.
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