Last verified 32 days ago·14 sources·Updated automatically
Navan and Revolut Business 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.
London, United KingdomGlobal Group operating HQ in London. US entity (Revolut Technologies Inc.) is in New York, NY.
Employees
3k3,000+ employees (2026, vendor-stated)
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Pricing
Starting Monthly Price (USD)
$0Navan Business is free (travel + first 5 expense users); card has no annual fee
$10Basic plan, $10/user/mo (US). No free plan in the US; Basic is the cheapest tier.
Paid Tier Price (USD/user/mo)
$15$15/user/mo for expense users beyond the first 5 (Navan Business)
$40Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.
Card & limits
Card Type
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.
debitUS cards are prepaid, drawn from the Revolut Business account balance.
Card Network
VisaIssued-card network not first-party confirmed (inferred)
Visa or MastercardUS prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.
No Personal Guarantee
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Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.
Limit Basis
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account balanceSpending is funded by and limited to the available Revolut Business account balance (prepaid/debit).
Virtual Cards
Unlimited on-demand virtual cards with customizable spend limits; auto-generated per booking
Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.
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.
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Rewards & cash back
Rewards Model
flat cash backUp to 1.5% back on every Navan card transaction; travel-centric rewards also via Navan Rewards
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Flat Cash-Back Rate
1.5%Up to 1.5% back on every Navan card transaction ('up to' is the ceiling rate)
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Spend management
Receipt Capture & Matching
Mobile receipt photo upload, auto-matched to transactions; travel charges auto-coded to trip/GL
AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.
Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.
Employee Reimbursements
Out-of-pocket reimbursements via payroll or bank, across 45 countries / 25 currencies; included free for first 5 users
Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).
Bill Pay / AP
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US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).
Security & compliance
SOC 2
AICPA SOC 2 Type 2 (also SOC 1 Type 2)
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SSO (SAML)
SSO via SAML 2.0 (Okta, Azure) and OpenID Connect
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SCIM Provisioning
SCIM provisioning (Okta SCIM); HRIS integrations also via SCIM
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Platform & integrations
Accounting / ERP Sync
Native sync to NetSuite, QuickBooks Online, Xero, Sage (Intacct), Datev
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.
Public API
Public Booking API and Expense API for integrating booking/expense transaction data
Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.
The verdict
Navan
Best for free-to-start travel spend with rewards
Navan starts at $0 (free for travel plus the first 5 expense users) versus Revolut's $10/user/mo with no US free plan, and adds up to 1.5% flat cash back and no foreign-transaction fees, neither of which Revolut documents. Receipt capture, reimbursements, SOC 2, SAML SSO and SCIM are included rather than paid add-ons. Its charge card isn't capped to a deposited balance.
Best for balance-funded cards with no personal guarantee
Revolut issues prepaid/debit cards capped to the account balance, with no personal guarantee or credit check, where Navan's is a charge card. Both sync to the major accounting platforms, but Revolut lists a wider set (FreeAgent, Dynamics 365, Odoo, Zoho). Trade-offs: receipts and reimbursements are paid add-ons, virtual cards cap at 50 per member, and the Business API needs the $40 Grow plan.
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