Navan vs. Ramp

Last verified 32 days ago · 18 sources · Updated automatically

Navan and Ramp 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.

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

Ramp

Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.

Founded2019

HQ New York, NY

Visit Ramp Full profile

Attribute

Navan

Ramp

Company facts

Headquarters

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

New York, NY Headquartered in New York City

Employees

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

2.7k Approx. headcount, late 2025 (Revelio Labs workforce data)

Pricing

Starting Monthly Price (USD)

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

$0 Free plan ($0); card is free, Ramp earns on interchange

Paid Tier Price (USD/user/mo)

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

$15 Plus plan; 20% off with annual billing

Card & limits

Card Type

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.

charge card Corporate charge card, paid in full each cycle (~30-day terms)

Card Network

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

Visa Runs on the Visa network

No Personal Guarantee

—

No personal credit check or personal guarantee

Limit Basis

—

cash balance & revenue Limit based on revenue or dollars raised

Virtual Cards

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

Unlimited physical and virtual cards at no extra cost

No Foreign Transaction Fees

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.

International transactions carry a Visa conversion markup up to 3%

Rewards & cash back

Rewards Model

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

flat cash back Flat-rate cash back on all purchases (no category tiers/points)

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

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

AI receipt capture (SMS/email) auto-matched and coded to transactions

Approval Workflows & Policies

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

Configurable spend policies + approval routing; advanced routing on Plus+

Employee Reimbursements

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

Out-of-pocket reimbursements included; enhanced bulk processing on Plus+

Bill Pay / AP

—

Bill pay / AP included (ACH, card, check, wire) on all tiers

Security & compliance

SOC 2

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

SOC 2 Type II (annual audits); also PCI DSS

SSO (SAML)

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

SSO for Okta, Google, Microsoft Azure; included on Free per pricing

SCIM Provisioning

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

SCIM provisioning listed on pricing tiers

Platform & integrations

Accounting / ERP Sync

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

Native two-way sync to 40+ ERPs (NetSuite, Sage Intacct, QuickBooks, Xero)

Public API

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

Public developer REST API; docs at docs.ramp.com

The verdict

Navan

Best for international and travel-heavy spend

Navan charges no foreign-transaction fee on cross-currency card spend, where Ramp adds a Visa conversion markup up to 3%. Virtual cards auto-generate per booking and travel charges auto-code to the trip/GL, and reimbursements span 45 countries / 25 currencies. The card earns up to 1.5% flat cash back.

Full profile

Ramp

Best for AP and credit without a guarantee

Ramp bundles bill pay / AP (ACH, card, check, wire) on every tier, which Navan's facts don't list. It sets card limits from cash balance and revenue with no personal guarantee or credit check, and syncs natively to 40+ ERPs. The trade-off: international card spend carries a Visa markup up to 3%.

Full profile

Sources · 18 verified references

navan.com ramp.com reveliolabs.com app.navan.com support.ramp.com docs.ramp.com

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