Ramp vs Brex vs Navan: which expense management software is best for a growing company in 2026?

Q: Which is best for small teams that want to start at $0?

Ramp. Ramp Free includes unlimited cards, expense tools, accounts payable and QuickBooks Online and Xero integrations at $0 per user a month.

Q: Which is best for companies with several legal entities?

Brex. Brex Premium at $12 per user a month covers US and international entities, and local-currency cards are listed in 50+ countries.

Q: Which is best for companies that travel a lot?

Navan. Travel booking is free for companies up to 300 employees and Navan runs travel support 24/7. Expense is $15 per user a month after the first 5 users.

Q: Which is best for teams that want ai review of expenses?

Ramp. Ramp Plus at $15 per user a month adds AI expense reviews, policy insights and auto-locking of cards when compliance is unmet.

Every price and fact below was checked on each company's own website on October 11, 2026. Sources are listed at the bottom. No company pays to appear.

The short answer

Ramp is the best pick for most finance teams that want a free corporate card and expense tool, with paid AI features from $15 per user a month. Brex is the better fit if you need multi-entity and international cards, with Premium at $12 per user a month. Navan is the best choice for companies of up to 300 employees that travel a lot, because travel is free and expense costs $15 per user a month after the first 5 users.

Side by side

	Ramp	Brex	Navan
Top 11 rank	#1	#2	#3
Best for	Finance teams that want a free corporate card and expense tool with optional AI automation	Startups and mid-sized companies with multiple entities or international spend	Companies of up to 300 employees where business travel is a large part of spend
Plans and list price	Free $0 per user a month. Plus $15 per user a month plus a platform fee based on team size. Enterprise is custom	Essentials $0 per user a month. Premium $12 per user a month. Enterprise and Smart Card are custom	Navan Business is free for companies up to 300 employees. Navan Enterprise is quote only
Expense pricing	Included in the Free plan. Plus adds AI expense reviews and auto-locking of cards	Included in Essentials. Premium adds multiple expense policies and dynamic review chains	Free for the first 5 monthly expensing users, then $15 per user a month
Platform fee	Plus carries a platform fee based on team size. The amount is not shown on the pricing page	Not mentioned on the pricing page	Not mentioned on the pricing page
Corporate cards	Unlimited virtual and physical cards at no extra cost	Unlimited global cards, accepted in 210+ countries and territories	Navan cards, or bring your own through Navan Connect (Visa, Mastercard and American Express)
Local-currency cards	Local currency card issuing in 30+ countries on Enterprise	Local-currency cards and billing in 50+ countries	Not mentioned on the pricing page
Multi-entity	Multi-entity support on Plus	Up to two entities on Essentials. Multi-entity (US and international) on Premium. Unlimited on Enterprise	Not mentioned on the pricing page
Travel booking	Included in the Free plan: book flights, hotels and car rentals	Travel booking free on Essentials. Group travel and advanced travel rules on Premium	Core product. Flights, hotels, car rentals and trains, with 24/7 travel support agents
Accounting integrations	QuickBooks Online and Xero on Free. NetSuite and Sage Intacct on Plus. Workday and Oracle Fusion Cloud on Enterprise	Accounting integrations on Essentials. Customisable ERP and HRIS integrations on Premium	Integrations with most ERPs and 30+ HRIS integrations on Navan Business
Free trial	Free plan available. Plus has a 30-day free trial	"Try Brex for free" on Essentials. No separate trial length shown	Navan Business is free. No trial length shown

The winner, by what you need

Small teams that want to start at $0

Ramp

Ramp Free includes unlimited cards, expense tools, accounts payable and QuickBooks Online and Xero integrations at $0 per user a month.

Companies with several legal entities

Brex

Brex Premium at $12 per user a month covers US and international entities, and local-currency cards are listed in 50+ countries.

Companies that travel a lot

Navan

Travel booking is free for companies up to 300 employees and Navan runs travel support 24/7. Expense is $15 per user a month after the first 5 users.

Teams that want AI review of expenses

Ramp

Ramp Plus at $15 per user a month adds AI expense reviews, policy insights and auto-locking of cards when compliance is unmet.

Worth knowing

Prices are US list prices as shown on each vendor's own site on 11 October 2026 and can change at any time.
Ramp Plus also charges a platform fee based on team size, and Ramp shows a 20% saving for annual billing. The platform fee amount is not published.
Enterprise tiers at all three vendors, and Brex Smart Card, are quote only.
Navan's free Business plan is limited to companies up to 300 employees. Navan says it is funded by travel providers' commission fees.

See all eleven in the full ranking: Ramp vs Brex vs Navan: 11 Best Expense Management Software 2026.

Sources

Ramp plans, $0 and $15 per user prices, platform fee, annual billing saving, unlimited cards, integrations, 30+ country local cards, 30-day Plus trial: https://www.ramp.com/pricing
Brex Essentials $0 and Premium $12 per user prices, entities, travel, ERP integrations, 210+ countries cards, 50+ country local-currency cards, Enterprise and Smart Card custom pricing: https://www.brex.com/pricing
Navan Business free up to 300 employees, expense free for first 5 users then $15 per user a month, Enterprise quote, travel inventory, HRIS and ERP integrations, commission funding: https://navan.com/pricing
Navan Connect with Visa, Mastercard and American Express cards, Navan cards, expense automation: https://navan.com/