Navan vs. Rho

Last verified 32 days ago · 17 sources · Updated automatically

Navan and Rho 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

Rho

All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.

Founded2018

HQ New York, NY

Visit Rho Full profile

Attribute

Navan

Rho

Company facts

Headquarters

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

New York, NY 100 Crosby Street, New York, NY 10012

Employees

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

345 Approx. 342-351 per third-party aggregators (2026)

Pricing

Starting Monthly Price (USD)

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

$0 Free platform; $0 subscription and $0 per-user fees

Paid Tier Price (USD/user/mo)

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

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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 Charge card by default — each day's spend is auto-debited from the linked Rho checking account; optional monthly credit terms available

Card Network

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

Mastercard Issued by Webster Bank N.A. on Mastercard

No Personal Guarantee

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No personal guarantee, personal credit check, or personal credit score pull

Limit Basis

—

cash balance & revenue Underwritten on revenue growth, spending patterns, and balance sheet liquidity

Virtual Cards

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

Spin up a virtual card in seconds; physical cards also available

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.

1% foreign currency conversion fee on card spend abroad

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 Up to 1.5% cash back on all spend; no tiers, no categories

Flat Cash-Back Rate

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

1.5% Up to 1.5% on qualifying spend, paid as statement credit

Spend management

Receipt Capture & Matching

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

Receipt upload + Gmail connector auto-finds receipts; auto-coded and matched

Approval Workflows & Policies

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

Approval rules by amount or team; off-policy spend flagged at point of use

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 incl. mileage; paid from Rho checking (US bank accounts only)

Bill Pay / AP

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AP/bill pay via ACH, check, wire, card with approval routing; zero fees

Security & compliance

SOC 2

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

SOC 2 Type II (report available via Trust Center)

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 (real-time)

Public API

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

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The verdict

Navan

Best for global travel and cross-currency spend

Navan charges no foreign transaction fees, while Rho adds 1% on spend abroad. Virtual cards auto-generate per booking, and reimbursements span 45 countries and 25 currencies. It also carries SSO via SAML 2.0 and SCIM provisioning for enterprise identity. The trade-off: expense users beyond the first five cost $15/user/mo.

Full profile

Rho

Best for free US finance ops with bill pay

Rho is $0 subscription and $0 per-user with no paid tier, versus Navan's $15/user beyond five expense users. It adds AP/bill pay via ACH, check, wire, and card at zero fees, and underwrites limits on cash balance and revenue with no personal guarantee. The catch: a 1% fee on foreign spend, and reimbursements pay only to US bank accounts.

Full profile

Sources · 17 verified references

navan.com rho.co pitchbook.com app.navan.com trust.rho.co

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