The short answer
Ramp and Navan both sell travel and expenses, from opposite ends. Navan started as a travel platform: travel is free for companies up to 300 employees, and expense is free for the first 5 monthly expensing users, then $15 per user a month.
LeadChange Score: editorial assessment based on public information.
Ramp wins 3Navan wins 02 ties
| Dimension | Ramp | Navan |
|---|---|---|
| PricingRamp Free costs $0 per user, with unlimited cards. Navan Business makes expense free for the first 5 monthly expensing users, then $15 per user a month, and travel free up to 300 employees. Ramp Plus adds an unpublished platform fee; companies above 300 employees need a Navan Enterprise quote. Plus adds a platform fee based on team size (amount not published), Procurement is an add-on to Plus or Enterprise | $0/user/mo | Free for 5 users, then $15/user/mo (Navan Business plan) |
| CapabilitiesRamp documents 9 of our 10 expense capabilities and adds payables, receivables, procurement and banking. Navan documents 7 and adds advanced analytics, Navan Rewards and Navan Events next to travel. Corporate cards, Expense management, Travel, Accounts payable, Accounts receivable, Procurement, Business banking | 9 of 10 core capabilities | 7 of 10 core capabilities |
| IntegrationsRamp lists 200+ integrations, among them NetSuite, Sage Intacct, Workday Financials and Oracle Fusion Cloud. Navan names NetSuite, QuickBooks Online, Xero, Sage and DATEV, and 30+ HRIS integrations. 200 | 200 native | 19 documented |
| Fit and supportRamp names startups through global enterprises; Navan sells Business up to 300 employees and Enterprise for large organizations. Ramp offers chat, email and phone; Navan has 24/7 travel support agents. Startups, small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise | Small businesses, mid-market companies, enterprises |
| SecurityBoth state SOC 2 Type II. Navan also lists ISO 27001:2022 and GDPR in its trust center; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM. Yes | SOC 2 | SOC 2, ISO 27001, GDPR |
| Attribute | Ramp | Navan |
|---|---|---|
| Best for | Startups, small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Support channels | Chat, email, phone, 24/7 phone support for travel bookings (Plus), dedicated account manager (Enterprise) | 24/7 travel support agents, designated account executive and customer success manager (Enterprise) |
| Founded | 2019 | 2015 |
| Ownership | Private | Publicly traded |
| Attribute | Ramp | Navan |
|---|---|---|
| Pricing model | Per user | Per user |
| Price transparency | Partly published | Partly published |
| Free plan | ||
| Mobile apps | iOS, Android | |
| SOC 2 Type II |
Pricing. Ramp Free costs $0 per user, with unlimited cards. Navan Business makes expense free for the first 5 monthly expensing users, then $15 per user a month, and travel free up to 300 employees. Ramp Plus adds an unpublished platform fee; companies above 300 employees need a Navan Enterprise quote.
Capabilities. Ramp documents 9 of our 10 expense capabilities and adds payables, receivables, procurement and banking. Navan documents 7 and adds advanced analytics, Navan Rewards and Navan Events next to travel.
Integrations. Ramp lists 200+ integrations, among them NetSuite, Sage Intacct, Workday Financials and Oracle Fusion Cloud. Navan names NetSuite, QuickBooks Online, Xero, Sage and DATEV, and 30+ HRIS integrations.
Fit and support. Ramp names startups through global enterprises; Navan sells Business up to 300 employees and Enterprise for large organizations. Ramp offers chat, email and phone; Navan has 24/7 travel support agents.
Security. Both state SOC 2 Type II. Navan also lists ISO 27001:2022 and GDPR in its trust center; Ramp supports Okta, Google and Microsoft Azure sign-on with SCIM.
Zoho Expense has the highest LeadChange Score in Expense Management after excluding these two (9.0/10).
From $3/user/mo
For travel-heavy companies up to 300 employees, Navan’s model is hard to match: booking is free and expense is free for 5 monthly expensing users. For finance teams that want cards, bills, procurement and banking in one place, Ramp covers more, and its Free plan is $0 per user.
Navan Business: travel free for companies up to 300 employees, expense free for the first 5 monthly expensing users and $15 per user a month after that. Ramp: Free at $0 per user, Plus at $15 per user a month plus a platform fee, Enterprise quoted. At 20 expensing users, Navan’s expense costs $225 a month (15 paid users) and Ramp Free $0.
SAP Concur is the closest travel-and-expense competitor to Navan, and Brex the closest card-first competitor to Ramp; Expensify, Rydoo and BILL Spend & Expense sell expense tools to both audiences. Ramp’s travel booking puts it next to Navan; Navan’s own cards put it next to Ramp.
Navan Connect links existing Visa, Mastercard or American Express corporate cards to Navan Expense. Ramp’s plans are built around Ramp’s own physical and virtual cards.
Yes. Ramp lists travel among its products, and Plus adds 24/7 phone support for travel bookings. Navan is a travel platform first, with booking synced to expenses and 24/7 travel support agents.
Yes. Navan closed its initial public offering in October 2025 and trades on the Nasdaq as NAVN. It was founded in 2015. Ramp, founded in 2019, is private.
Both have SOC 2 Type II audits. Navan’s trust center also lists ISO 27001:2022 and GDPR; Ramp adds SSO through Okta, Google or Microsoft Azure and SCIM provisioning. We hold no ISO or GDPR statement from Ramp, which does not mean it lacks them: ask Ramp for its trust documents if you need them.
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