Brex vs. Navan

Last verified 32 days ago · 17 sources · Updated automatically

Brex 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.

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

Founded2017

HQ San Francisco, CA

Visit Brex Full profile

Navan

Formerly TripActions — combined travel, expense, and corporate card, tying card spend to booked travel and policy.

Founded2015

HQ Palo Alto, CA

Visit Navan Full profile

Attribute

Brex

Navan

Company facts

Headquarters

San Francisco, CA

Palo Alto, CA Global HQ; offices in 12+ countries

Employees

1.1k

3k 3,000+ employees (2026, vendor-stated)

Pricing

Starting Monthly Price (USD)

$0 Essentials plan, free

$0 Navan Business is free (travel + first 5 expense users); card has no annual fee

Paid Tier Price (USD/user/mo)

$12 Premium plan

$15 $15/user/mo for expense users beyond the first 5 (Navan Business)

Card & limits

Card Type

charge card Paid in full, no interest

charge card Corporate-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

Mastercard World Elite Mastercard

Visa Issued-card network not first-party confirmed (inferred)

No Personal Guarantee

Yes

—

Limit Basis

cash balance & revenue

—

Virtual Cards

Yes

Unlimited on-demand virtual cards with customizable spend limits; auto-generated per booking

No Foreign Transaction Fees

Yes

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 points Up to 7x points by category

flat cash back Up to 1.5% back on every Navan card transaction; travel-centric rewards also via Navan Rewards

Flat Cash-Back Rate

—

1.5% Up to 1.5% back on every Navan card transaction ('up to' is the ceiling rate)

Spend management

Receipt Capture & Matching

Yes

Mobile receipt photo upload, auto-matched to transactions; travel charges auto-coded to trip/GL

Approval Workflows & Policies

Yes

Configurable spend policies; out-of-policy transactions instantly flagged; unlimited policy/approval workflows

Employee Reimbursements

Yes

Out-of-pocket reimbursements via payroll or bank, across 45 countries / 25 currencies; included free for first 5 users

Bill Pay / AP

Yes

—

Security & compliance

SOC 2

SOC 2 Type II

AICPA SOC 2 Type 2 (also SOC 1 Type 2)

SSO (SAML)

Advanced SSO on Premium+

SSO via SAML 2.0 (Okta, Azure) and OpenID Connect

SCIM Provisioning

Via Microsoft Entra & Okta

SCIM provisioning (Okta SCIM); HRIS integrations also via SCIM

Platform & integrations

Accounting / ERP Sync

QuickBooks, Xero, NetSuite, Sage Intacct

Native sync to NetSuite, QuickBooks Online, Xero, Sage (Intacct), Datev

Public API

Public REST API

Public Booking API and Expense API for integrating booking/expense transaction data

The verdict

Brex

Best for high category rewards plus built-in bill pay

Brex adds tiered points up to 7x by category, against Navan's flat 1.5% ceiling, and lists Bill Pay / AP that Navan's facts do not. Its limits run off cash balance and revenue with no personal guarantee. Paid tier is $12/user/mo versus Navan's $15, on a World Elite Mastercard.

Full profile

Navan

Best for travel-linked card spend and reimbursements

Navan ties cards to travel: virtual cards auto-generate per booking and a Booking API plus Expense API feed transaction data. Reimbursements span 45 countries and 25 currencies, free for the first 5 users. Rewards are flat, up to 1.5% cash back, and the paid tier is $15/user/mo versus Brex's $12.

Full profile

Sources · 17 verified references

en.wikipedia.org navan.com brex.com app.navan.com developer.brex.com

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