Yes, with one honest caveat. Navan is a travel platform with expense attached, and it publishes a free tier for travel for companies up to 300 employees. ExpenseOS™ is built around reimbursement: employees pay on their own cards, keep every point, and are paid back in about a minute. ExpenseOS travel finds flights, hotels and cars, checked against your policy, and employees book on their own cards; if a travel-first platform is the job you are buying for, Navan does that.
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Navan's center of gravity is booking. Get people into policy-compliant flights and hotels, and expense follows from the booking. Its pricing page lists travel free for companies up to 300 employees, and expense free for the first five users then $15 per user per month. It also supports connecting existing corporate or business cards rather than forcing a switch.
The ExpenseOS center of gravity is the payback. The expense is captured wherever it happened, on whatever card the employee already carries, and the money returns to them in about a minute once it clears policy. The company settles one weekly statement.
If you want booking, the trip and the expense inside one travel platform, buy Navan. If you want every trip checked against your policy before anyone books, people paid back in about a minute and their points kept, that is what ExpenseOS is built for.
Every Navan cell comes from Navan's own public pages, checked on 1 November 2026. Where Navan does not publish something, the cell says so. Prices change, so check the source before relying on a figure.
| ExpenseOS | Navan | |
|---|---|---|
| What the product is built around | Paying people back | Travel booking |
| Published entry price | 0.5% on non-card payments; card payments earn 1% cashback for founding customers, 0.75% for later signups; weekly settlement; no software fee | Travel free for companies up to 300 employees; expense free for 5 users, then $15 per user per month |
| Charges per seat | No, and no setup fee or contract | Yes, above the free allowance |
| Requires issuing a company card | No | No, existing corporate cards can be connected |
| Works alongside an existing corporate card program | Yes. Upload the program's statement and ExpenseOS matches and codes every line, at no charge; you pay only when ExpenseOS moves money. | Yes. Navan Connect links existing Visa, Mastercard and American Express corporate cards |
| Published reimbursement timing | About a minute after an expense clears policy | Within days, via payroll or direct to a bank account |
| Who earns the card rewards on work spend | The employee, because they pay on their own card | Depends on the card connected |
| Free for an individual employee to use alone | Yes, the expense agent in ChatGPT and Claude | No, it is bought by the company |
One cost no pricing page shows: what non-compliance itself costs. Travelers who book out of policy cost $2,881 more per year each, and one in five expense reports comes back with errors (GBTA Foundation). ExpenseOS is built so those leaks cannot open: every purchase is approved against live budgets and live market prices before the money moves.
Travel first, expense second. Navan publishes a free tier for companies up to 300 employees for travel, and expense free for the first five users then $15 per user per month. It supports connecting existing corporate or business credit cards rather than requiring you to switch. If a travel-first platform is what you are buying, Navan is built for that; ExpenseOS travel finds flights, hotels and cars, checks each against your policy and has people book on their own cards.
This page compares ExpenseOS with one platform. The full comparison, with Ramp, Brex, Navan, Expensify and SAP Concur in one table, is on the compare page.
Differently. In ExpenseOS you find flights, hotels and cars on a trip, every result checked against your policy with the rule named, and you book on the provider's own site with your own card, approved before you spend, so the airline and hotel points stay yours; ExpenseOS never books for you. Navan is travel first, with booking, the trip and the expense in its own platform; if that is the job, Navan is built for it and we would rather say so.
There is nothing stopping you using a booking tool for booking and ExpenseOS for out-of-pocket spend and reimbursement. Each does a different job. Whether it is worth running two tools depends on how much of your spend happens outside the booking flow.
Navan's own pricing page says Navan Expense is free for the first five monthly expensing users, then $15 per user per month. Its travel product is free for companies up to 300 employees on the Business tier.
Yes. ExpenseOS works alongside the card and payment programs you already have. Upload the program's statement and ExpenseOS reads every line, checks it against the statement's own totals, matches it to the expenses and receipts it already holds and asks cardholders only about what's left. There are no seats and no software fee, and a card program's statement carries no fee, so running ExpenseOS next to an existing program costs nothing; you pay only when ExpenseOS moves money for you. Navan publishes a version of this for its own platform: Navan Connect links a company's existing Visa, Mastercard or American Express corporate cards to Navan Expense without switching card providers, and brings their transactions into Navan. ExpenseOS leaves the program where it is and works from its statement instead.
It finds and checks travel, and your people book it. Employees search flights, hotels and cars on a trip, every result checked against your policy with the rule named, and book on the provider's own site with their own card, approved before they spend, so the points stay theirs. If what you are buying is a travel-first platform with booking, the trip and the expense all inside it, Navan is built for that and we would rather say so.
Only if they pay on their own card, which is what ExpenseOS is built around. A corporate card account belongs to the company that opened it, so rewards earned on it accrue to the company's program no matter which platform manages the card. With ExpenseOS the employee pays on their personal card and keeps every point, mile and cashback, and is reimbursed once the expense clears policy.
The savings calculator uses your headcount and spend. A demo takes twenty minutes and we will tell you if you are better off with something else.
About this comparison. ExpenseOS is an independent product and is not affiliated with, endorsed by, or sponsored by any company named on this page. All trademarks belong to their owners and are used here only to identify those products. Every comparative statement is drawn from that company's own public pages on the date shown, and pricing and features change: check the source before relying on it. If something here is out of date or wrong, tell us and we will correct it. Cashback rates on very large single payments are confirmed at onboarding.