Can we use both Ramp and Navan?

Companies do run a card-led spend platform alongside a travel tool, but you then own the seam between them — trips booked in one system and paid on the other's card have to be reconciled somewhere. Verify the specific integration path with both vendors before assuming it's seamless.

Which is cheaper for a 100-person company?

It depends entirely on card adoption and travel volume. Ramp can be $0 if its card program fits; Navan's travel is free at that headcount but expense is $15/user/month past five users. Model both against your actual spend mix rather than list prices.

Head-to-head

Ramp vs Navan: which should you choose?

These two look similar on a feature grid and solve different problems in practice. Ramp is spend control built around its own card: it acts before money moves. Navan is travel-and-expense fused: it removes the reconciliation work after a trip. The deciding question isn't which is better but where your spend concentrates — card purchases across the company, or travel booked by a subset of it. Both list $15/user/month for their paid expense tier, but Ramp adds a team-size-based platform fee on top, so the list rate alone rarely settles it; Ramp's free tier and Navan's free travel below 300 employees are the real economic asymmetries.

Last updated: July 25, 2026

Tool	Best for	Pricing	Issues cards
Ramp ramp.com	US companies that want cards, expense management, and spend controls in one platform — starting free.	Free plan at $0/user; Plus at $15/user/mo plus a team-size-based platform fee (20% off annually); Enterprise custom. source	○
Navan navan.com	US companies where travel is the main expense category and booking + expense should live in one tool.	Navan Business: travel free up to 300 employees; expense free for first 5 users, then $15/user/mo. Enterprise: custom. source	—

When to choose Ramp

Choose Ramp when the money leaves the company on a card and you want that moment controlled. Its limits, merchant locks and approval rules bite at the point of purchase, and the free tier already includes cards, OCR capture and QuickBooks/Xero sync — so if you can move your card program, the entry cost is zero.

When to choose Navan

Choose Navan when flights and hotels are the spend you're trying to tame. Booking inside Navan means the trip arrives as an expense record with no reconciliation step, and for companies under 300 employees the travel side costs nothing. That link is the product; without travel volume you're not buying much.

Frequently asked questions

Can we use both Ramp and Navan?: Companies do run a card-led spend platform alongside a travel tool, but you then own the seam between them — trips booked in one system and paid on the other's card have to be reconciled somewhere. Verify the specific integration path with both vendors before assuming it's seamless.
Which is cheaper for a 100-person company?: It depends entirely on card adoption and travel volume. Ramp can be $0 if its card program fits; Navan's travel is free at that headcount but expense is $15/user/month past five users. Model both against your actual spend mix rather than list prices.

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