Ramp vs Navan
Quick verdict: Ramp is our overall pick for Ramp vs Navan.
Ramp is a spend-control console for companies with enough volume to need approvals and limits; Navan is a travel platform that is free below 300 employees because bookings pay for it.
| Tool | Rating | Pricing | Best for |
|---|---|---|---|
| Ramp Best overall Best for teams | 4.4/5 | Free $15/user/mo (Plus) plus platform fee | Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user … |
| Navan Best free | 4.0/5 | Free $15/user/mo after 5 free expensing users | Navan is free for companies of up to 300 employees: Navan Business costs nothing, Navan Ex… |
Bottom line: below 300 employees with real travel spend, take Navan and spend nothing. Once you need card limits, approval workflows and bill pay across a bigger team, Ramp is the more complete product and the $15 plus fee is the honest comparison. Ramp Free is $0 and Plus is $15/user/month plus a platform fee, with 20% off annual. Navan Business is free up to 300 employees with unlimited trips; Expense is free for five expensing users then $15 per user per month. Navan on price, decisively, below 300 employees. Ramp on everything else - controls, bill pay, accounting integrations.
Pricing and details
Ramp · 4.4/5
Free plan available · $15/user/mo (Plus) plus platform fee
Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line
20% discount when billed annually, as published on the Ramp pricing page
Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing.
Score breakdown
Pros
- The most complete product in the set: cards, bill pay, expense management, reimbursements and accounting integrations in one console
- A real $0 Free tier plus a published 20% discount for annual billing - the only vendor here that states its annual discount as a percentage
- Plus adds controls that are usually sold as enterprise features - custom approval policies, card freeze rules, budget tracking
- The interface is the easiest in the cluster to hand to employees who will not read a training manual
Cons
- The platform fee is described as being based on company size rather than published as a number, so the total bill cannot be forecast from the page alone
- Plus at $15/user/month is $3 more per user than Brex Premium, before the platform fee
- No credit product of Brex's kind, so if cash flow is the problem you are solving, this is the wrong tool
Pricing verified 2026-10-03
Navan · 4.0/5
Free plan available · $15/user/mo after 5 free expensing users
Travel itself is funded out of provider commission rather than charged; the expense side bills per expensing user, defined on the page as anyone who submits a transaction by manual entry or Navan Connect
No published annual rate
Navan is free for companies of up to 300 employees: Navan Business costs nothing, Navan Expense is free for the first five expensing users and then $15 per user per month, and Navan Enterprise is sales-only.
Score breakdown
Pros
- The best free offer in the cluster: the whole platform at $0 for companies up to 300 employees, and the reason is structural - travel commissions pay for the software
- Travel booking is genuinely included at no cost rather than subsidised from a higher subscription, so frequent travellers cost nothing extra
- Free Expense for the first five expensing users, which covers a large share of small teams at zero cost
- Navan Connect automates transaction capture from bank feeds, which is where most expense platforms quietly fail
Cons
- Free is explicitly capped at 300 employees, and above that you are in a demo, not a checkout
- The $15 per expensing user step arrives at six people, so a twenty-person team pays $225 a month for the expense side alone
- No annual rate published and no card-led spend program to speak of - this is travel-and-expense, not spend management
Pricing verified 2026-10-03
Frequently asked questions
Which is better overall, Ramp or Navan?
Ramp is our overall pick (4.4/5 vs 4.0/5). Ramp is a spend-control console for companies with enough volume to need approvals and limits; Navan is a travel platform that is free below 300 employees because bookings pay for it.
Do Ramp and Navan offer free plans?
Ramp and Navan have a free tier. Ramp paid plans start at $15/user/mo (Plus) plus platform fee; Navan paid plans start at $15/user/mo after 5 free expensing users.
What does Ramp cost?
$15/user/mo (Plus) plus platform fee — Per-user subscription plus a company-size platform fee; card interchange and any revenue-based rewards are separate from the subscription line. Prices were last verified on 2026-10-03.