⚡ Verified ThriveOnz360 Partner — 10,000+ Customers · 4.6/5 G2 · Forrester-Validated 16% Travel Savings · $500 Exclusive Offer
Navan (formerly TripActions) is the only corporate travel and expense management platform that is genuinely free for businesses with under 300 employees — with unlimited travel booking, AI-powered expense management, physical and virtual corporate cards, built-in policy compliance, employee rewards, and 24/7 global travel support all in one platform. Backed by a Forrester Total Economic Impact study showing 16% average reduction in annual travel spend and 8 hours per week saved by finance teams. Trusted by 10,000+ companies worldwide. Nasdaq IPO filed September 2025. Free to start. $500 exclusive for ThriveOnz360 members.
Most companies still manage business travel across 3–5 disconnected systems — a consumer travel site for booking, spreadsheets or email for approvals, a separate expense tool for reimbursements, and a corporate card that has no visibility into the booking context. The result is wasted admin time, unexpected policy violations discovered after the fact, zero spend visibility until month end, and no way to incentivise employees to choose the cost-effective option. Navan collapses the entire T&E workflow — booking, policy, cards, expense, reporting, and AI — into one platform. At $0 for the travel layer. Starting today.
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Most businesses are managing business travel with a consumer booking site, expense reports in spreadsheets or email, a corporate card that reconciles manually, and a finance team spending hours each week chasing receipts. Navan replaces all of it — in a single platform that is free for businesses under 300 employees and reduces travel spend by an average of 16% (Forrester, 2025).
Navan’s travel booking module provides a single platform for employees to book all elements of a business trip — flights (including NDC fares from major carriers), hotels with exclusive corporate rates, rental cars, and train journeys — in one workflow rather than across multiple consumer sites and booking channels. The booking interface incorporates on-time performance data for flight selection, real-time price updates, and AI-driven recommendations that surface the most cost-effective and policy-compliant options for the trip’s parameters without requiring the employee to manually compare alternatives. The platform is fully mobile — employees can book, change, and cancel trips with a few taps from the Navan app, and the self-serve change functionality means that a flight time change or hotel cancellation does not require a call to a corporate travel agency or an email chain with an executive assistant. For travellers who encounter disruptions — a cancelled flight, a hotel issue, an urgent rebooking need — Navan’s 24/7 global travel support team provides live human agent assistance alongside the Ava AI virtual agent that resolves 60% of traveller queries without human escalation, handling hotel substitutions, rebookings, and cancellations in real time. Loyalty programme compatibility allows employees to earn airline miles and hotel points on qualifying bookings made through Navan — though users should verify with their specific loyalty programme that credits are transferred correctly. The travel module is included in the Navan Business free plan at no charge to the business, funded by Navan’s supplier commission relationships rather than by subscription fees charged to the employer.
Navan Expense is the platform’s expense management module — and the capability most consistently cited by finance teams as the primary driver of ROI in the Forrester Total Economic Impact study commissioned by Navan in 2025, which found that finance teams using Navan saved eight hours per week on expense processing and reconciliation compared to their previous workflows. The employee expense experience is designed to reduce the friction of expense submission to the minimum practical: an employee snaps a photo of a receipt with the Navan mobile app, OCR automatically reads the amount, vendor, date, and category from the image, and the expense is categorised and attached to the relevant trip or project automatically — with the employee’s only remaining action being a review and submit tap. For expenses on the Navan corporate card, the reconciliation step is even more streamlined: the card swipe automatically creates an expense entry with transaction data populated, and the employee simply adds a receipt photo and a note if required by company policy. Out-of-policy expenses are flagged in real time at the point of submission — rather than being discovered by a finance manager during a monthly review — allowing the employee to provide justification or choose a policy-compliant alternative before the expense enters the approval workflow. Automated expense reports are generated from the submitted and approved expenses without requiring the employee to assemble a report manually, and reimbursements are processed in regular batch runs. The first five active expense users are included in the Navan Business free plan; additional users are charged at $15/user/month — capturing 130+ data points per expense transaction for the finance team’s reporting and audit needs.
Navan’s corporate card infrastructure provides the payment layer that enables automatic expense reconciliation — eliminating the manual work of matching transaction records to expense submissions that is the primary source of finance team overhead in businesses using personal cards with manual reimbursement workflows. The Navan Card is available as both a physical card for in-person transactions and as virtual cards that can be generated on demand for specific vendors, categories, or one-time purchases — providing enhanced security for online vendor payments by preventing the primary card number from being exposed to external merchants. Spend controls are configured at the card level with granular precision: a department’s cards can be restricted to specific expense categories (travel, meals, software) with different spending limits per category, and budget owners are automatically notified when spend approaches the configured thresholds. For businesses that already have established corporate card programmes through Visa, Mastercard, or American Express — and do not want to disrupt existing card relationships, credit limits, or corporate card benefits — Navan Connect allows the existing card to be linked to Navan’s platform, providing automatic expense capture and reconciliation for every transaction on the connected card without requiring the business to migrate to a new card. Every swipe on a Navan-connected card creates an expense entry automatically in the platform, populated with the vendor, category, and amount — so the finance team’s reconciliation task becomes a review and approval process rather than a data entry exercise. This combination of card options means Navan fits businesses regardless of their existing corporate payment infrastructure.
Navan’s AI infrastructure represents the most significant technological differentiator in the corporate travel and expense management category as of 2026. Ava is Navan’s AI virtual travel agent — embedded in the platform’s messaging interface and mobile app — which handles traveller queries, manages rebookings, processes cancellations, finds hotel alternatives, and provides trip information without requiring human agent involvement. Ava resolves 60% of traveller chat interactions without escalating to a human support agent, which at Navan’s scale of 10,000+ customer companies means millions of traveller queries resolved faster, more consistently, and at lower cost than a pure human-agent model. The AI is built on Navan Cognition — Navan’s proprietary multi-agent AI framework, described as being designed for zero-hallucination travel management, which coordinates multiple specialised AI agents (booking, policy, payments, reporting) to handle complex multi-step traveller requests that require actions across several systems simultaneously. The analytics and reporting layer provides AI-powered spend insights across 110+ data points per booking and 130+ per expense transaction — surfacing anomalies, policy compliance patterns, department-level spend trends, and cost-saving opportunities that would require dedicated data analysis work to extract from raw transaction records. Carbon footprint tracking uses DEFRA, ICAO, and TREMOD calculators to provide CO₂ data per trip, per employee, and per department — with rail nudges suggesting lower-emission alternatives for short-haul journeys — supporting corporate sustainability reporting without requiring a separate carbon tracking tool.
Travel policy compliance is one of the most persistent pain points in corporate T&E management — not because employees are intentionally non-compliant, but because traditional systems enforce policy after the fact, catching violations during the expense review process weeks after the booking was made and the money was spent. Navan’s policy architecture inverts this: travel policies are configured once in the admin interface, and from that point forward, every booking screen an employee sees reflects their company’s policy in real time — compliant options are clearly presented, out-of-policy options are flagged before booking rather than after, and the employee knows at the moment of booking decision whether their intended option will be approved. This shift from reactive violation detection to proactive compliant option surfacing eliminates the most common source of travel expense disputes and reimbursement delays — the employee who booked what they thought was reasonable and is then told weeks later that it was out of policy. Custom policies can differentiate by employee seniority, department, trip purpose, destination, and booking timing — so a policy that allows business class on flights over 8 hours for executives while requiring economy for shorter flights is configured once and enforced automatically, rather than relying on individual employees to interpret and apply the policy correctly in each booking decision. Pre-trip approval workflows are supported for organisations that require manager sign-off before travel is booked, with the approval request and confirmation handled within the Navan platform without requiring a separate email chain.
Navan Rewards is one of the most practically innovative features in the corporate travel category — and the only reward mechanism in the T&E market that aligns the employee’s financial incentive with the company’s cost-saving objective without requiring the company to fund the reward. When an employee books travel that comes in under their company’s configured budget threshold, Navan awards the employee a cash reward of up to $100 per trip — redeemable for gift cards, personal travel upgrades, or credit toward future bookings. The reward is funded entirely by Navan from its supplier commission relationships, at zero additional cost to the employer. The behavioural impact of this reward structure is documented in Navan’s platform data: average hotel nightly rates fall company-wide when the Rewards programme is active, because employees who are personally incentivised to find the lower-cost option consistently choose more cost-effective accommodation and flights than employees who have no personal stake in the cost of their travel choices. For companies with employees who see no personal benefit to choosing the cheaper flight or the less expensive hotel, Navan Rewards changes the incentive structure without requiring the company to implement a complex internal cost-sharing scheme or to monitor individual booking choices through a punitive policy enforcement model. The programme is available to all Navan Business plan customers — included in the free tier with no additional configuration cost — and is particularly impactful for companies where frequent travellers represent a significant portion of the monthly T&E budget.
Navan serves businesses from a 10-person startup to a 10,000-person enterprise — and the free plan for under-300-employee businesses means the decision is not “can we afford this” but “why would we not deploy this today.”
For small and mid-sized businesses under 300 employees — the businesses that typically cannot justify the cost of enterprise travel management software and have been managing T&E through consumer booking sites, personal credit cards, and Excel-based expense sheets — Navan’s Business free plan is a fundamental upgrade at zero additional software cost. The travel module is unlimited and free; it is funded by Navan’s supplier commission relationships rather than charged to the business. Expense management is free for the first five active users — covering most small teams with no additional cost. The platform’s policy controls, corporate card integration, and automated reconciliation provide capabilities that were previously only available at enterprise software pricing levels. For startups specifically, deploying Navan at the point where business travel begins — rather than waiting until travel spend has become a significant pain point — means the policy and compliance infrastructure is in place from the start, preventing the difficult task of retroactively imposing expense controls on a team that has become accustomed to booking freely and expensing without constraints.
For finance teams and CFOs, the value proposition of Navan is the most immediate and the most directly measurable in time and money. The Forrester Total Economic Impact study commissioned by Navan in 2025 found that finance teams using Navan saved an average of eight hours per week on expense processing and reconciliation — time previously spent manually matching transaction records, chasing receipt submissions, reformatting data for reporting, and enforcing policy violations retroactively. Navan’s automatic expense capture (from Navan Cards and Navan Connect-linked cards), OCR receipt processing, real-time policy flagging, and automated report generation eliminate the data entry, chasing, and error correction tasks that generate this overhead. The reporting layer provides real-time visibility into company-wide T&E spend by department, cost centre, employee, and category — enabling the CFO to see the current month’s T&E trajectory before month end rather than performing a reconciliation exercise after the fact. The 110+ data points captured per booking and 130+ per expense transaction provide the detailed audit trail that makes compliance reporting, tax filing, and board-level spend reviews faster and more accurate than is possible with manual spreadsheet-based workflows.
For travel managers and executive assistants responsible for coordinating business travel for a team or a senior leader, Navan addresses the two most time-consuming aspects of the role: the booking workflow and the ongoing support and change management burden. The platform allows travel managers and EAs to book travel on behalf of other employees and guests from within the same interface they use for their own bookings, with the traveller’s preferences, loyalty programme details, and seat preferences pre-loaded. The self-serve change functionality means that a traveller who needs to modify a flight time or check in early to a hotel can do so from the Navan app without requiring the travel manager’s involvement — significantly reducing the volume of ad hoc requests that travel managers and EAs receive for routine trip changes. The policy configuration tools allow travel managers to define and maintain the company’s travel policy in one place, with changes immediately reflected across all employee booking experiences without requiring re-training or policy memo distribution. Duty of care features (on the Enterprise plan) provide traveller location tracking — so the travel manager can confirm all travellers are accounted for in the event of a disruption or emergency in a travel destination.
For mid-market and enterprise companies currently running separate tools for travel booking (SAP Concur, a TMC), expense management (Expensify, Concur Expense), corporate cards (Amex, Visa), and analytics (spreadsheets, BI tools), Navan’s platform consolidation case is straightforward: a single system with full data integration across all T&E categories provides better visibility, faster reconciliation, and demonstrably lower travel spend than a fragmented stack. The Forrester TEI study’s 16% average travel spend reduction reflects the combination of Navan’s exclusive corporate rates (not available on consumer booking sites), the Rewards programme’s behavioural impact on employee booking choices, and the policy compliance improvement that comes from real-time in-booking enforcement rather than after-the-fact violation detection. For companies migrating from SAP Concur — the legacy enterprise standard in corporate travel management — Navan’s significantly more modern UX consistently delivers higher employee adoption rates than Concur’s older interface, which reduces the shadow-IT problem of employees booking on consumer sites to avoid the corporate platform. The Enterprise plan’s dedicated Account Executive and Customer Success Manager provide the implementation support and ongoing optimisation assistance that large organisations need to deploy and maintain a T&E programme at scale across multiple departments, geographies, and cost structures.
For the individual business traveller who is the end user of whatever corporate travel system their employer deploys — and whose experience of legacy corporate travel tools is typically characterised by a clunky interface with fewer options than a consumer booking site, loyalty points that do not transfer, and a support line with hour-long wait times — Navan’s employee-facing design is one of the most positively reviewed aspects of the platform in G2 and Capterra user reviews. The booking interface is modern, intuitive, and provides the same breadth of inventory that a consumer travel site offers, with the addition of corporate rates and policy guidance. Loyalty programme compatibility means employees can continue earning airline miles and hotel points on qualifying Navan bookings — maintaining the loyalty status they have built through years of business travel rather than having to sacrifice it to a corporate booking tool. The Ava AI agent and 24/7 live support mean that a traveller stranded by a cancelled flight at midnight in an unfamiliar city has both immediate AI-assisted rebooking and a live human agent available — versus the experience with legacy corporate travel tools where out-of-hours emergencies result in premium-rate hold queues or no support at all. Navan Rewards provides a personal financial incentive for every trip — employees who book under budget earn up to $100 they can use for gift cards or personal travel, making cost-effective booking a rewarding personal habit rather than a corporate mandate to comply with.
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Navan’s pricing model is the most competitive in the corporate T&E category for businesses under 300 employees: the travel module is free (funded by supplier commissions), expense management is free for the first five users, and corporate card infrastructure is included. Confirm current pricing at navan.com before subscribing.
Pricing verified 2026 — confirm current rates at navan.com before subscribing. Navan Business is free for companies with up to 300 employees; the travel module is funded by Navan’s supplier commission relationships. Expense management is free for the first 5 active users, then $15/user/month. Enterprise pricing is custom — contact Navan sales. The $500 exclusive offer is available via ThriveOnz360’s partner link; confirm current offer terms at navan.com. ThriveOnz360 earns an affiliate commission on qualifying referrals via our link at no additional cost to you. T&Cs apply.
How Navan compares to the most commonly evaluated alternatives across the features that matter most to finance teams, travel managers, and employees.
| What You’re Evaluating | Navan | SAP Concur | Expensify | Brex | Ramp |
|---|---|---|---|---|---|
| Free plan for SMBs | ✓ Free for <300 employees | ✗ Paid from ~$8/user/mo+ | Free tier; paid from $5/mo | Free for startups; paid enterprise | ✓ Free core; paid add-ons |
| Integrated travel booking | ✓ Flights, hotels, cars, rail | ✓ Concur Travel module | ✗ Expense only | Partial — travel partners | ✓ Ramp Travel (2024) |
| AI virtual travel agent (Ava) | ✓ 60% queries resolved by AI | Basic AI assistance | SmartScan OCR | AI spend insights | AI spend insights |
| Employee rewards for saving | ✓ Up to $100/trip — Navan-funded | ✗ No rewards programme | ✗ No rewards programme | ✗ No rewards programme | ✗ No rewards programme |
| Real-time policy enforcement at booking | ✓ Enforced at point of booking | ✓ Policy controls available | Expense policy only | ✓ Spend limits at card level | ✓ Spend limits at card level |
| Carbon footprint tracking | ✓ DEFRA/ICAO/TREMOD, built-in | Add-on available | ✗ Not available | ✗ Not available | ✗ Not available |
| 24/7 live travel support | ✓ 24/7 human + Ava AI hybrid | ✓ 24/7 via TMC partners | ✗ Expense tool only | Support available | Support available |
| Forrester-validated ROI | ✓ 16% travel spend reduction (TEI 2025) | Legacy market leader | No published TEI study | No published TEI study | Savings benchmarks published |
Navan is designed to go from first login to a live, policy-enforced, employee-facing travel and expense programme in hours — not weeks. No legacy implementation project. No consultant required.
Create your Navan account (free for under 300 employees, no credit card required). Invite employees and sync your HRIS — Navan integrates with 30+ HR systems for automatic employee data import. Connect existing Visa, Mastercard, or Amex corporate cards via Navan Connect, or issue Navan Cards to your team.
Set your company’s travel policy once in Navan’s admin interface — budget thresholds per trip type, hotel caps, flight class rules, approval workflows, expense categories, and per-diem limits. From this point, policy is enforced automatically at every booking and expense submission. No re-training required.
Employees book trips on desktop or mobile — seeing only policy-compliant options with corporate rates. They earn Navan Rewards for booking under budget. On the road, they scan receipts in the app for instant auto-categorisation. Ava AI handles rebookings and questions. All card transactions are reconciled automatically in the background.
Your finance team sees all T&E spend in real time — by department, employee, category, and policy compliance — without waiting for month-end reconciliation. Approved expenses are exported directly to your ERP or accounting system. The process that used to take 8 hours per week is now a 30-minute review.
Deep-dive reviews, comparisons, and finance stack guides to help finance teams, travel managers, and SMB founders evaluate Navan and build the right T&E infrastructure for their business.
ThriveOnz360’s full review of Navan — covering every module (Travel, Expense, Cards, Rewards, Policy, Ava AI), the Business vs Enterprise pricing structure, honest assessment of the free plan’s limitations, and who gets the strongest ROI. Includes the Forrester TEI data and a detailed breakdown of the $500 ThriveOnz360 exclusive offer and how to claim it.
Head-to-head comparison of the four most evaluated corporate T&E platforms for SMBs and mid-market companies. Covers pricing, AI capability, travel inventory, expense automation, card infrastructure, and the specific business profiles where Navan’s free plan beats every paid alternative — with an honest view of when SAP Concur or Ramp is the better fit.
UK-specific Navan review covering rail booking (Navan’s train integration is particularly relevant for UK business travel), UK expense policy compliance (HMRC mileage, VAT receipts), and how the Business free plan compares to UK corporate travel alternatives. Includes UK-specific pricing context and the $500 ThriveOnz360 exclusive offer validity for UK companies.
Comparison of the expense management market for SMEs who need to choose between a dedicated expense tool and a full T&E platform like Navan. Covers the cost-benefit of Navan’s free expense tier (first 5 users) vs paid dedicated tools, and the operational difference between expense-only solutions and Navan’s integrated travel-plus-expense approach.
Dext is the expense capture and accounting software integration tool most commonly used by SMEs whose primary need is receipt scanning and accounting system sync rather than a full corporate travel programme. Understanding how Dext’s dedicated expense capture approach compares to Navan’s integrated travel-plus-expense model helps teams choose the right tool for their specific workflow — and whether the free Navan expense tier or a dedicated Dext integration better serves their finance process.
Navan covers the T&E layer of ThriveOnz360’s complete recommended SME technology stack. This guide maps all the essential tools across finance, operations, sales, marketing, HR, and communications — showing where Navan’s free plan sits in the complete picture alongside accounting software, payroll, CRM, and project management tools for a lean SMB team.
Navan’s ERP and accounting software integrations (NetSuite, QuickBooks, Xero-compatible workflows via Dext) mean the T&E platform connects directly to the accounting infrastructure the finance team already uses. This guide covers how to choose the right accounting software for an SME — and how Navan’s expense export capabilities fit into the accounting workflow once T&E automation is in place.
For UK SMEs building their complete technology infrastructure, Navan sits alongside the marketing, sales, and operational tools covered in ThriveOnz360’s UK-specific stack guide. This article covers the full picture of what a UK SME’s technology environment should look like in 2026 — with Navan handling the T&E and finance compliance layer that enables the team to operate without manual expense overhead.
The 8 hours per week that finance teams save by using Navan (Forrester TEI 2025) is exactly the type of hidden operational cost that this article quantifies. The compounding cost of a finance manager spending 8 hours per week on manual expense processing — at a fully-loaded salary of £50,000–£80,000/year — is £8,000–£12,800 per year in time cost on a task that Navan automates for free. This article makes the business case for automation in every manual process, with T&E as a prime example.
Manual expense processing, receipt chasing, and monthly reconciliation exercises are precisely the category of administrative overhead that this article identifies as the most damaging silent constraint on small business growth. Navan’s automated T&E workflow — particularly the automatic expense capture, receipt scanning, and real-time reporting — is the direct operational solution to the T&E component of the paperwork burden that this article examines.
Everything finance teams, travel managers, founders, and employees need to know before deploying Navan — including honest answers about the free plan’s real scope, loyalty points, reimbursement timing, and when Navan is and isn’t the right choice.
Navan (formerly TripActions) is an all-in-one corporate travel and expense management platform serving 10,000+ businesses worldwide. It combines four capabilities that most businesses currently manage through separate tools: a global travel booking platform (flights, hotels, cars, and rail with exclusive corporate rates), an automated expense management system (receipt scanning, auto-categorisation, reimbursements), a corporate card infrastructure (physical and virtual Navan Cards, plus Navan Connect for existing Visa/Mastercard/Amex cards), and an AI layer (the Ava virtual travel agent that resolves 60% of queries automatically, plus Navan Cognition for spend analytics and carbon tracking). A custom travel policy is configured once and enforced in real time at every booking decision. Navan Rewards gives employees up to $100 per trip for booking under budget — funded entirely by Navan at no cost to the employer. Founded in 2015 as TripActions, the company filed for a Nasdaq IPO in September 2025 following a 30% revenue surge. A Forrester Total Economic Impact study commissioned by Navan in 2025 found that Navan customers achieved a 16% average reduction in annual travel spend and finance teams saved eight hours per week on expense processing and reconciliation. Recommended by ThriveOnz360 as the starting point for any SMB, startup, or growing company with business travel — given that the travel module is free for companies under 300 employees with no setup fees. $500 exclusive offer available via ThriveOnz360’s partner link.
Navan’s Business plan is genuinely free for companies with up to 300 employees — the travel booking module (flights, hotels, cars, rail) is provided at no charge to the business. This is funded by Navan’s supplier commission relationships — Navan earns commissions from hotels and airlines on qualifying bookings made through its platform, which covers the cost of the booking infrastructure for businesses on the free plan. There are no booking fees charged to the business or the employee on the Business plan. The costs that do apply within the free plan are: Expense Management is free for the first five active expense users per month; from the sixth active user onwards, the charge is $15 per user per month. This structure means that a company with fewer than five people who need to submit expenses can use Navan’s expense module entirely for free — the zero-cost scope is broader than it might initially appear for lean teams. Navan Cards (physical and virtual) are included in the Business plan; the card infrastructure is funded through interchange revenue from card transactions rather than a per-card fee. No setup fees apply to the Business plan. The transition to Enterprise pricing (custom quote) occurs when the company grows beyond approximately 300 employees or requires the advanced capabilities — dedicated CSM, duty of care, corporate-negotiated rates, custom implementation — that are specific to the Enterprise tier. For transparency: because the free plan is funded by supplier commissions, Navan has financial relationships with the suppliers whose inventory it surfaces — a factor that sophisticated buyers may want to consider when evaluating whether Navan’s inventory fully covers their preferred suppliers.
Navan Rewards is a built-in employee incentive programme that awards cash rewards to employees who book travel options that come in under the company’s configured budget threshold. When an employee selects a hotel, flight, or other travel option that is below the policy budget for that booking, Navan shows the reward amount they will earn for making that choice — typically up to $100 per trip — before they confirm the booking. The reward is funded 100% by Navan from its supplier relationships at zero additional cost to the employer. Rewards are redeemable for gift cards, personal travel credits, or trip upgrades. The behavioural impact of the Rewards programme is documented in Navan’s platform data: average hotel nightly rates fall measurably across a company’s booking history when Rewards are active, because employees who have a personal financial stake in choosing the more cost-effective option consistently select lower-priced accommodation and flights than employees booking under a pure policy compliance model. The combination of Navan’s corporate rates (access to hotel and airline inventory negotiated at rates not available to individual consumers) and the Rewards programme’s incentive for cost-effective employee choices is the primary mechanism behind the 16% average travel spend reduction documented in the Forrester TEI study. For a company spending $100,000 per year on business travel, a 16% reduction represents $16,000 in annual savings — at zero cost on the free plan.
Navan advertises loyalty programme compatibility as a feature — employees can enter their airline frequent flyer numbers and hotel loyalty programme memberships in their Navan profile, and qualifying bookings are intended to generate loyalty credits to those programmes. However, ThriveOnz360 notes that this is an area where user reviews are mixed: some users report consistent loyalty credit from Navan bookings, while others — particularly frequent travellers who hold high-tier status with specific airlines or hotel chains — report that loyalty credits are not always applied correctly or consistently when booking via a third-party platform rather than directly with the airline or hotel. This is not unique to Navan — it is a characteristic of booking through any corporate travel management system rather than direct with the supplier. The practical recommendation is: if loyalty programme status is important to you or a key employee, verify with your specific programmes whether third-party booking platform credits are applied, and test a booking to confirm credit behaviour before fully migrating your travel to Navan. For most business travellers, the combination of Navan’s corporate rates (which may offer better pricing than the loyalty programme member rate) and the Navan Rewards programme’s personal incentive more than compensates for any loyalty credit uncertainty — but individual travellers with premium programme status and close award trip thresholds should evaluate this dimension carefully.
Navan Expense operates as the expense management layer for spending that happens outside of the Navan travel booking workflow — out-of-pocket expenses, meals, ground transport, client entertainment, and other business costs that employees pay from personal funds or personal credit cards and need to claim back. The employee experience is designed to minimise friction: open the Navan mobile app, tap Expense, photograph the receipt, and Navan’s OCR engine reads the amount, vendor, date, and currency from the image and automatically categorises the expense based on the vendor type and the company’s expense policy. The expense is immediately flagged as compliant or out-of-policy based on the company’s configured rules — so the employee knows before submitting whether the expense will be approved or requires justification. For expenses on the Navan Card or a Navan Connect-linked corporate card, the process is even more streamlined: the card transaction automatically creates an expense entry with the financial data populated, and the employee simply attaches a receipt photo. Approval workflows route submitted expenses to the appropriate manager based on the company’s configured policy. On the Business plan, reimbursements are processed in weekly batch runs — meaning an employee who submits an approved expense on a Monday will typically receive reimbursement within the same week rather than waiting for a monthly payroll cycle. The first five active expense users per month are included in the free Business plan; additional users are $15/user/month.
Navan Connect is the feature that allows businesses to link their existing corporate credit cards — Visa, Mastercard, or American Express — to Navan’s expense management platform, without replacing those cards or disrupting existing corporate card programmes. This is particularly relevant for businesses that have established corporate card relationships with specific providers — perhaps for the rewards, credit limits, or relationship banking benefits those cards provide — and do not want to migrate to a new card issuer as a prerequisite for using Navan. With Navan Connect enabled, every transaction on the linked corporate card is automatically captured in Navan’s expense management system — creating expense entries with the transaction data populated — and the full reconciliation, approval, and reporting capabilities of the Navan Expense module apply to all linked card transactions. The employee still carries their existing corporate card; Navan Connect handles the data capture and reconciliation in the background. For businesses that prefer to use Navan’s own card infrastructure, the Navan Card (physical and virtual) provides the same automatic expense capture with the addition of per-category spend controls and on-demand virtual card issuance — capabilities that most existing corporate card programmes do not provide at the same level of granularity. The choice between Navan Connect and Navan Cards is typically a commercial decision (preserving existing card terms and benefits vs. gaining the additional spend control capabilities of Navan’s native card) rather than a functional limitation.
ThriveOnz360 has negotiated an exclusive $500 offer for businesses that sign up for Navan via ThriveOnz360’s partner link — available at the link displayed throughout this page. This offer is not available through Navan’s direct sign-up flow or through other referral partners; it is exclusive to registrations made via ThriveOnz360’s link. To claim the $500, click any of the “Claim $500” buttons on this page, which will direct you to Navan’s sign-up flow via ThriveOnz360’s exclusive partner link. Complete your registration and onboarding — the $500 will be credited to your account according to Navan’s current offer terms and conditions. ThriveOnz360 recommends confirming the current offer terms and eligibility criteria directly at navan.com, as promotional offer terms are subject to change. The offer applies to qualifying new Navan customers; existing Navan customers are not eligible. ThriveOnz360 earns an affiliate commission on qualifying referrals via our link — this commission is separate from the $500 offer paid to your business and represents no additional cost to you.
ThriveOnz360 recommends Navan with full transparency about its limitations. First, inventory pricing in some markets: several user reviews note that hotel inventory in non-US markets — particularly Latin America, some Southeast Asian cities, and emerging markets — can display pricing that is higher than booking direct with the hotel, especially when Navan’s corporate rates do not apply to the specific property. In these markets, employees sometimes find better rates outside the platform. Second, loyalty programme credit consistency is mixed in user reviews — some frequent travellers report that loyalty points do not always transfer correctly from Navan bookings to their programmes (see full FAQ above). Third, rental car pricing has historically displayed lower rates at booking than the final checkout price for some providers — Navan’s support has acknowledged this as a supplier-side pricing inconsistency. Fourth, reimbursements on the Business plan are processed in weekly batches rather than instantly per claim — which matters for employees with tight personal cash flow who prefer immediate reimbursement after expense submission. Fifth, Enterprise pricing is custom and non-transparent, requiring a sales call for a quote. Sixth, the free plan’s funding through supplier commissions means Navan has commercial relationships with specific inventory providers — a factor to consider if your travel programme requires full marketplace neutrality. These are manageable limitations for the vast majority of companies — and for businesses under 300 employees, the free travel module’s capabilities and the $500 exclusive offer make Navan’s value proposition essentially unmatched in the category regardless of the limitations above.
Navan is the only corporate T&E platform that is genuinely free for companies under 300 employees — with unlimited travel booking, AI-powered expense management, corporate cards, real-time policy enforcement, 24/7 support, and Navan Rewards giving your team up to $100 per trip for booking smart. Backed by Forrester: 16% travel spend reduction. 8 hours saved per week by finance. $500 exclusive when you sign up via ThriveOnz360. Start today.
Pricing and offer verified 2026 — confirm current rates and offer terms at navan.com before signing up. Navan Business is free for companies with up to 300 employees; travel module is funded by supplier commissions. Expense management free for first 5 active users, then $15/user/month. No setup fees. The $500 exclusive offer is available to qualifying new Navan customers only via ThriveOnz360’s partner link; existing Navan customers are not eligible. Offer terms and eligibility are subject to change — confirm current terms at navan.com. The 16% travel spend reduction and 8 hours per week finance team saving are from a Forrester Total Economic Impact study commissioned by Navan in 2025 — results represent averages across surveyed customers and individual results will vary. Enterprise pricing is custom — contact Navan sales for a quote. ThriveOnz360 earns an affiliate commission on qualifying referrals via our link at no additional cost to you. T&Cs apply.