Navan alternatives
7 Corporate Cards tools worth considering instead of Navan — each compared to Navan on the facts that differ, every one sourced and continuously re-verified.
1 Ramp
Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.
- No Foreign Transaction Fees: International transactions carry a Visa conversion markup up to 3% (Navan: 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.)
2 Wise Business
Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.
- Approval Workflows & Policies: Per-card spend limits and freeze controls only; no multi-step approval routing (Navan: Configurable spend policies; out-of-policy transactions instantly flagged; unlimited policy/approval workflows)
- Card Type: debit (Navan: charge card)
- Rewards Model: none (Navan: flat cash back)
3 Brex
AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
- Paid Tier Price (USD/user/mo): $12 (Navan: $15)
- Card Network: Mastercard (Navan: Visa)
- Rewards Model: tiered points (Navan: flat cash back)
4 Mercury
Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.
- No Foreign Transaction Fees: 3% currency conversion fee on non-USD IO transactions (Navan: 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.)
- Paid Tier Price (USD/user/mo): $29.9 (Navan: $15)
- Card Network: Mastercard (Navan: Visa)
5 BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
- No Foreign Transaction Fees: Foreign currency / cross-border fees may apply on international spend. (Navan: 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 Model: tiered points (Navan: flat cash back)
6 Rho
All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.
- No Foreign Transaction Fees: 1% foreign currency conversion fee on card spend abroad (Navan: 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.)
- Card Network: Mastercard (Navan: Visa)
7 Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
- Starting Monthly Price (USD): $10 (Navan: $0)
- Paid Tier Price (USD/user/mo): $40 (Navan: $15)
- Card Type: debit (Navan: charge card)
How this list is built. Every alternative is another Corporate Cards vendor DecisionWire tracks, ranked by data completeness and our editor's picks, with differences drawn only from verified, first-party facts. Affiliate disclosure: we may earn a commission when you sign up through outbound links here, at no extra cost to you — commissions never influence our data or rankings. Full disclosure.