Navan vs Perk (2026): which should you pick?

Pick Navan if

• Fits if most of your spending is business travel
• Works for companies under 300 people who want travel booking for free

Look elsewhere if

• Pricey if lots of people claim expenses, at $15 a month for each one past 5
• Skip it if you need supplier bills paid or invoices sent from the same tool
• Not for you if you're over 300 employees and want it free, as that means Enterprise by quote
• Watch out: linked American Express cards report once a day, not in real time like Visa and Mastercard
• Watch out: Navan Expense's billing term isn't stated, and there's no desktop app

Pick Perk if

• Fits if you book business travel and want it tied to expenses
• Works for firms that can bring their own card feed

Look elsewhere if

• Pricey if you travel a lot, as bookings carry 3% on paid plans and 5% on Travel Starter
• Watch out: the page says Perk Spend pricing is a limited-time rate, with no end date shown
• Not for you if you want Perk's own US cards, as they are listed as coming soon
• Watch out: Travel Pro is $299 a month plus 3% of each booking, and booking fees have minimums and maximums

Navan

• Navan Business is free because travel suppliers pay Navan commission; companies with more than 300 employees need Enterprise, priced by quote.
• Anyone who submits an expense in a month counts as an expensing user, and each one after the first 5 costs $15 a month.
• Navan cards are issued by Celtic Bank in the US and by Stripe, Adyen and Airwallex companies elsewhere.
• Linked American Express cards report transactions once a day; Visa and Mastercard cards report them in real time.

Perk

• Travel Pro is $299 per month plus 3% of each booking and is not among the six plans above.
• The pricing page says Perk Spend's current pricing is available for a limited time, with no end date shown.
• Perk's own corporate cards are shown as coming soon to the US; its Platinum Visa card is listed for the EU, UK and Switzerland.
• Active users are those who submit or review at least one expense in a month; booking fees have minimum and maximum amounts.

Navan

Travel booking

Flights, hotels, car rentals and trains from one inventory, with travel policies, approval workflows, self-serve changes and 24/7 support agents.

Expense policies

Employees see their spending limits in the app, and out-of-policy transactions are flagged for review as they happen.

Navan corporate cards

Physical and virtual cards in US dollars, pounds or euros, with no annual fee, up to 1.5% back and virtual cards for subscriptions.

Navan Connect

Link existing Visa, Mastercard or American Express corporate cards so their transactions flow into Navan for coding and reconciling.

Reimbursements

Out-of-pocket costs are claimed by photographing the receipt in the app and repaid through payroll or to a bank account.

Integrations

Expenses sync to ERPs such as NetSuite, Sage Intacct and Xero, and employee data comes from HR systems such as Workday, Rippling and BambooHR.

Perk

Expense processing

Receipts are captured and matched to card transactions, then checked for missing information, duplicates and policy breaches before approval.

Travel booking

Flights, rail, accommodation and car rental are booked in the platform, with trip allowances and per diems created automatically.

Corporate cards

Companies can connect existing Visa, Mastercard and Amex programs. Perk's own cards are listed for the EU, UK and Switzerland.

Workflow designer

No-code approval flows route expenses by team, entity, spend limit or expense type, with custom per diems on Pro plans.

Reimbursements

Out-of-pocket expenses can be paid back directly from Perk by ACH, which the pricing page says is included in every plan.

Mobile apps

The travel app is listed for iOS and Android, and expenses can be submitted from web or mobile.

Navan

• Navan Business$0

  For up to 300 employees: unlimited trips, policies and approvals, 24/7 travel support, reports, 30+ HR integrations, and expenses for 5 users.

• Navan Expense$15

  per expensing user / month beyond the first 5, term not stated

  Expense reports, reimbursements, receipt scanning, linked corporate cards and ERP sync for each user who submits an expense that month.

• Navan EnterpriseCustom

  Unlimited travelers and expensing users, global coverage, negotiated rates, custom setup, an account executive and a success manager.

Perk

• Travel Starter$0

  Travel booking only: no platform fee, plus 5% of each booking, with 1 travel policy and approval process.

• Travel Premium$99

  per month, plus 3% of each booking

  Travel only: 10 travel policies, advanced travel reporting, SSO, HR integrations and budget tracking for up to 5 budgets.

• Spend Premium$9

  per active user / month

  Expenses only: standard approval workflow, 4 legal entities, SSO, ERP connectors except SAP and an expense sandbox.

• Spend Pro$11

  per active user / month

  Expenses only: custom approval workflows and per diems, unlimited legal entities, all ERP connectors and Open API.

• Travel and Spend Premium$6

  per active user / month, plus 3% of each booking

  Both products: 10 travel policies, standard expense workflow, 4 legal entities and ERP connectors except SAP.

• Travel and Spend Pro$8

  per active user / month, plus 3% of each booking

  Both products: unlimited policies and entities, custom approval workflows, SAP connector and Open API.