Navan vs SAP Concur (2026): which should you pick?
As of Nov 12, 2026, Navan grades higher than SAP Concur: 2.8 against 2.0 out of 4.0.
Checked Oct 18, 2026 and Nov 12, 2026 · graded Oct 18, 2026 and Nov 12, 2026 by ToolGPA
Navan grades higher on the free plan and ease of use. SAP Concur grades higher on features. They get the same grade on value for money and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Navan
Business travel booking with expenses and corporate cards built in
SAP Concur
Expense, travel and invoice management for all company sizes
Which one is for you
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 SAP Concur if
- Fits if you are a large company with travel and international expense claims
- Works for finance teams that want compliance checks built in
Look elsewhere if
- Pricey if you file many reports, as the $7 and $11 are per report and only starting prices
- Not for you if you want to try it free, as there is no free plan or trial
- Watch out: Premium and Travel need a quote
- Watch out: the mobile app is free to download but needs an active subscription
How we grade them
| 2.8GPANavanGood | 2.0GPASAP ConcurFair | |
|---|---|---|
| Value for money | CGraded against its expense-tool alternatives. If all ten people claim in a month, the 5 beyond the free 5 cost $15 each, so $75 a month, with travel booking free. That's dearer than Expensify or Zoho Expense for ten, and Ramp and Brex do expenses for nothing. | CBase starts at $7 per report and Plus at $11, with the rate falling as your commitment rises. Pricing by report is not directly per seat, so we leave it at the middle of the category's $7.50, $12 and $20. |
| Free plan and trial | BNavan Business is free for up to 300 employees, with travel booking, policies and 24/7 travel agents, plus expenses for 5 users a month. A small team could live on it until a sixth person claims. | FThe pricing page has no free plan or trial. |
| Features | CTravel and expenses are done fully: booking, policies, Navan cards, linked cards, receipt photos and reimbursements. It's a narrower job than the category's, though, with no supplier bill pay or invoicing listed. | BExpense reports, travel booking, invoice management, compliance checks, global tax and currency, and a mobile app. The listing shows no gap in the core expense work. |
| Ease of use | A4.8 from 47,373 App Store ratings, the top band. Booking a trip and snapping the receipt happen in the same app. | CNo store rating on record. Policies, approvals and an accounting integration to set up. |
| Platforms and integrations | BWeb, iPhone and Android, with NetSuite, Sage Intacct, Xero, Workday, Rippling, BambooHR, Okta and Slack. No desktop app is listed. | BWeb plus iPhone and Android apps, with six integrations on record. |
| Best for | business travel with the expenses that follow | global expense reports and travel at big companies |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Navan and SAP Concur. How we grade
Price against what you get
Navan starts at $15 a month for each person and scores 3.0 out of 4 on features, ease of use and platforms. SAP Concur starts at $7 a month and scores 2.7.
Navan scores higher, and starts $8 a month higher: the question is whether the extra is worth that to you. Of the other spend and bill pay tools on the chart, 2 score higher than Navan for less, and 2 score higher than SAP Concur for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Navan also covers company cards.
- SAP Concur also covers workflow automation and bill pay.
At a glance
| Navan | SAP Concur | |
|---|---|---|
| Pricing | Free plan | Paid |
| Starts at | $15 per expensing user / month, after the first 5 users free | $7 per report, varying with monthly commitment |
| Free plan | Navan Business, for companies of up to 300 employees: travel booking with no trip limit, policies and 24/7 travel agents, plus expenses free for the first 5 expensing users a month. | None |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Navan | SAP Concur |
| Price read from | navan.com | concur.com |
| Checked | Oct 18, 2026 | Nov 12, 2026 |
Worth knowing
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.
SAP Concur
- Pricing is per expense report, and the page says the rate falls as the contract commitment grows.
- The $7 and $11 figures are starting prices; Premium and Travel require a quote.
- There is no free plan or free trial on the pricing page.
- The mobile app is free to download but needs an active subscription.
Key features
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.
SAP Concur
- Expense reports
- Automatic receipt capture and report generation, with spending policies that can be applied and updated centrally.
- Travel booking
- Concur Travel works with any travel management company or GDS and includes an AI assistant trained on company policy.
- Invoice management
- Concur Invoice covers PO matching, approval routing and duplicate-payment prevention.
- Compliance checks
- Real-time out-of-policy flagging before submission and configurable approval hierarchies by spend and organization.
- Global tax and currency
- VAT reclaim, real-time exchange rates at entry and multiple currencies within one organization.
- Mobile app
- A free app for iPhone and Android, which needs an active SAP Concur subscription to use.
Plans
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.
SAP Concur
Base$7
per report; varies with monthly commitment
Starting price for smaller businesses with basic expense reporting. Unlimited users and Concur Expense.
Plus$11
per report; varies with monthly commitment
Starting price. Adds ExpenseIt, User Support Desk and reporting. Unlimited users.
PremiumCustom
Custom quote. Adds Concur Travel, Intelligence and more to the Plus features. Unlimited users.
Common questions
Which is cheaper, Navan or SAP Concur?
As of Nov 12, 2026, Navan starts at $15 per expensing user / month, after the first 5 users free, and SAP Concur starts at $7 per report, varying with monthly commitment. One is priced for each person and the other is not, so which costs less depends on how many of you use it.
Which has a free plan, Navan or SAP Concur?
As of Nov 12, 2026, only Navan has a free plan. SAP Concur does not.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.