The Navan Insider’s Guide
Everything we know about Navan in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Navan
The Insider’s Guide
Business travel booking with expenses and corporate cards built in
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Navan’s own pages.
Made by Navan · checked Oct 18, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Navan’s own pages, its app-store listings and our grades. Every fact in it is on Navan’s page too, where it is kept up to date. Checked Oct 18, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.8
GPA, above 5 of the 13 other spend and bill pay tools we grade
Navan, formerly TripActions, books business flights, hotels, cars and trains under company travel policies, and handles the expenses that follow. Spending on Navan corporate cards or linked existing cards is categorized and matched as it happens, and out-of-pocket costs are claimed by photographing the receipt. Travel booking is free for companies of up to 300 employees, and expenses are free for the first 5 users each month.
To get you started, here are 9 things to know about Navan, taken from its own pages and our grades.
Booking a trip and snapping the receipt happen in the same app.
- 1
Best for business travel with the expenses that follow
Navan, formerly TripActions, books flights, hotels, cars and trains under your travel policy, then handles the expenses: card spend is matched as it happens and receipts are claimed with a photo.
- 2
Paid plans start at $15 a month for each person
As its pricing page puts it: $15 per expensing user / month, after the first 5 users free.
- 3
There is a 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.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Travel booking
Flights, hotels, car rentals and trains from one inventory, with travel policies, approval workflows, self-serve changes and 24/7 support agents.
- 6
Expense policies
Employees see their spending limits in the app, and out-of-policy transactions are flagged for review as they happen.
- 7
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.
- 8
A 2.8 GPA, above 5 of 13
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
To replace Navan you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Navan at a glance
- Pricing
- Free plan, from $15 per expensing user / month, after the first 5 users free
- Free plan
- Yes
- Free trial
- None stated
- Runs on
- Web, iOS, Android
- Made by
- Navan, since 2015
- Category
- Spend & Bill Pay
- Our grade
- 2.8 GPA, good
- Store rating
- 4.8 on the App Store, 47,373 ratings
The report card
Best for business travel with the expenses that follow
Navan, formerly TripActions, books flights, hotels, cars and trains under your travel policy, then handles the expenses: card spend is matched as it happens and receipts are claimed with a photo. Travel booking is free for companies of up to 300, and so are expenses for 5 users a month. After that it's $15 a user, and it doesn't pay supplier bills.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | Graded 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. |
| Free plan and trial | B | Navan 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. |
| Features | C | Travel 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. |
| Ease of use | A | 4.8 from 47,373 App Store ratings, the top band. Booking a trip and snapping the receipt happen in the same app. |
| Platforms and integrations | B | Web, iPhone and Android, with NetSuite, Sage Intacct, Xero, Workday, Rippling, BambooHR, Okta and Slack. No desktop app is listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Navan is for
- Great if most of your spending is business travel
- Handy when you're under 300 people and want travel booking for free
- Good for finance teams that want card spend matched to trips
Who it is not for
- Pricey if lots of people claim expenses, at $15 a month for each one past 5
- Skip it if you need supplier bills paid from the same tool
- Not for you if you're over 300 employees and want it free, as that means Enterprise by quote
Good to know
Good for
- Companies whose expenses are mostly business travel
- Businesses under 300 employees that want free travel booking
- Finance teams that want card spending coded and matched to trips
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$15
A month to start, for each person. There is a free plan too
Navan has a free plan. Paid plans start at $15 per expensing user / month, after the first 5 users free.
Graded against its expense-tool alternatives.
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 Enterprise
Custom
Unlimited travelers and expensing users, global coverage, negotiated rates, custom setup, an account executive and a success manager.
The 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.
Read from navan.com on Oct 18, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Business travel booking with expenses and corporate cards built in. Here is what it does, as its own site describes it, and what it covers: AI features, reports, expense tracking, company cards.
Travel and expenses are done fully: booking, policies, Navan cards, linked cards, receipt photos and reimbursements.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- NetSuite
- Sage Intacct
- Xero
- Workday
- Rippling
- BambooHR
- Okta
- Slack
Navan is made by Navan, and has been around since 2015.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
5/13
Other spend and bill pay tools it is graded above
Navan's GPA of 2.8 is higher than 5 of the 13 other spend and bill pay tools we grade, and level with 3.
It stands best on ease of use (A, above 8 of 13) and worst on features (C, above 0).
Its paid plans start at $15 a month for each person, against a middle price of $12 for the category: 7 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 3.0 out of 4. 2 tools score higher and cost less.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. Navan’s own letter is outlined.
- CValue for moneyAbove 1 of 13
- BFree plan and trialAbove 6 of 13
- CFeaturesAbove 0 of 13
- AEase of useAbove 8 of 13
- BPlatforms and integrationsAbove 0 of 13
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. Navan is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Navan you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It costs $180 a year.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
- It is priced for each person, which means accounts and billing for a team.
- It plugs into other products, NetSuite, Sage Intacct and Xero among them.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Navan’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Expensify, Ramp, Brex, Rydoo and Zoho Expense
The 5 tools Navan is most often weighed against, with where each one differs from it.
- 2.8GPA
Expensify
Free plan · from $5/mo
Receipt scanning, expense reports and company cards, from $5 a member.
- Only Expensify lists a macOS app.
- Only Expensify lists a browser extension.
- Navan also covers reports.
- 3.6GPA
Ramp
Free plan · from $15/mo
Corporate cards, expenses, travel and bill pay, with a free plan.
- Ramp also covers invoicing and bill pay.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Brex also covers bill pay.
- 2.6GPA
Rydoo
Free trial · from $9/mo
Expense reports with an AI receipt scanner and multi-country rules.
- Navan has a free plan. Rydoo does not, though it has a free trial.
- Navan also covers reports.
- 3.0GPA
Zoho Expense
Free plan · from $3/mo
Expense reports, receipt scanning and travel booking from Zoho.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Navan free?
Navan has a 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.
How much does Navan cost?
Navan lists 3 plans. Navan Business: $0.
What platforms does Navan work on?
Navan is available on Web, iOS and Android.
How is Navan rated?
Navan's iPhone and iPad app averages 4.8 out of 5 from 47,373 ratings on the App Store in the United States, as read on Oct 18, 2026.
Does Navan have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. Navan is listed for Web, iOS and Android.
Does Navan have a macOS app?
No macOS app was listed when its pages were read on Oct 18, 2026. Navan is listed for Web, iOS and Android.
Is Navan open source?
Navan is not described as open source on its own site, as read on Oct 18, 2026.
What does Navan integrate with?
Navan's listing names NetSuite, Sage Intacct, Xero, Workday, Rippling, BambooHR, Okta and Slack.
Who makes Navan?
Navan is made by Navan. It dates from 2015.
What are the alternatives to Navan?
The closest alternatives to Navan in our directory are Expensify, Ramp, Brex, Rydoo and Zoho Expense.
How does Navan compare with other spend and bill pay tools?
Navan's GPA of 2.8 is higher than 5 of the 13 other spend and bill pay tools we grade, and level with 3.
Is Navan good value for money?
ToolGPA grades Navan C for value for money. Its paid plans start at $15 a month for each person, against a middle price of $12 for the category: 7 of the 11 others that charge start lower.
Could I make my own version of Navan?
To replace Navan you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Navan’s own pages on Oct 18, 2026, and the grades were given on Oct 18, 2026. Graded from this listing, whose facts were read from Navan's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Navan. Prices change, so check navan.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
2,068
Tools graded, in 57 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
2,068
tools graded
57
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Navan, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/navan
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Navan: The Insider's Guide", checked Oct 18, 2026. https://toolgpa.com/tools/navan
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/navan/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Navan, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 14 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Navan’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Navan is a trademark of its owner, and this guide is not made, paid for or approved by Navan. Prices and plans change: check navan.com before you buy.