Brex vs Navan: Which Is The Top Pick in 2025?

One key drawback of Brex is the long holds placed on deposited checks, which can disrupt payroll and bill management. For Navan, the significantly higher hotel and car pricing compared to travel codes with partners is a major concern.

Rho could offer a more efficient solution for businesses by combining AP automation and banking products with advanced software for streamlined financial management.

Many businesses look to Brex and Navan for their financial management needs. However, choosing the right solution can be a complex task.

In this article, we’ll review what each solution offers and how they compare, helping you make an informed decision. Additionally, we'll also explore Rho as a third option worth considering.

Brex Overview

Brex positions itself as a financial technology platform designed to help businesses manage their finances more efficiently. It primarily serves startups, mid-size companies, and enterprises, offering solutions that emphasize smarter spending, automated expense management, and enhanced financial control through AI-powered tools. The platform aims to streamline financial operations across various business sizes.

Brex Features

Some of the key features of Brex include:

Corporate Cards: Enable smart global spending with powerful cards that have built-in controls.
Expense Management: Automate approvals and expense reports using AI, with real-time tracking.
Travel Management: Simplify global travel through in-app booking and management.
Bill Pay: Utilize AI to automate invoice entry and payment processes.

Brex Pricing

Brex offers a range of subscription tiers to cater to different business needs:

Essentials: $0 per user/month - Global card acceptance, AI-powered custom rules, accounting integrations.
Premium: $12 per user/month - Includes Essentials features plus advanced approvals, multi-entity support.
Enterprise: Custom pricing - Unlimited entities, local language support, named account manager.

The prices for each tier are not publicly listed.

Drawbacks To Brex

General user reviews of Brex highlight its ease of use and seamless integration with other software. However, some users have noted issues with integration and the need for more customizable reporting tools.

"Brex is easy to use and works seamlessly with Concur to automatically create monthly expense reports." - U, Verified User
"The platform is great, but integration with Sage can be problematic, requiring manual entries." - Paul R., Vice President of Research and Development

For more detailed reviews, visit Brex Reviews 2025: Details, Pricing, & Features | G2.

Navan Overview

Navan operates in the business travel and expense management sector. Its main value proposition is simplifying corporate travel and expense processes, offering visibility, control, and savings. The platform primarily serves Road Warriors, Travel Managers, Finance & Accounting Teams, and Executive Assistants.

Navan Features

Some of the key features of Navan include:

Navan Travel: Empowers employees to book from an extensive inventory while staying within company spending limits.
Navan Expense: Automates categorization, reports, and reimbursements, boosting productivity and optimizing savings with AI-powered insights.
Navan Connect: Allows linking existing Visa, Mastercard, or Amex cards to enjoy built-in approval flows with automatic reconciliation on every transaction.
Global Travel Inventory: Access to a wide range of travel options and exclusive rates.

Navan Pricing

Navan offers two main pricing plans: Navan Business and Navan Enterprise.

Navan Business: Free for companies with up to 200 employees. Includes global travel inventory, unlimited policy and approval workflows, self-serve changes, 24/7 travel support, Navan Rewards program, customizable reports, and 30+ HRIS integrations. Expense features are free for the first 5 users and include managing expenses, connecting corporate cards, receipt scanning, and ERP integrations.
Navan Enterprise: Custom pricing. Includes everything in Navan Business plus the full suite of Navan Travel and Expense, unlimited travelers and expensing users, global program coverage, designated account executive, dedicated customer success manager, custom implementation, corporate negotiated rates, comprehensive back office capabilities, and enterprise-grade travel support.

Drawbacks To Navan

The overall consensus on Navan is mixed but leans towards positive, with users appreciating the customer service and ease of use, though some have complaints about pricing and technical issues.

"Hotel and car pricing are WAY higher than travel codes with partners. So many steps to complete an expense (trip...wth). Horrible customer service." - Jeff Kubiak
"Jack was amazing in getting our questions answered and getting us set up. The platform itself has been a little clunky for our use-case." - Vanessa

For more detailed reviews, visit Navan Reviews on Trustpilot.

What to Know Before Picking Brex or Navan

Looking at the reviews as a whole, businesses using Brex often face integration issues, particularly with Sage, and find the platform's new functionalities complicated. Additionally, the lack of physical checks and long holds on deposited checks can be problematic.

For Navan, common limitations include higher pricing for hotels and cars compared to travel codes with partners, a complicated expense process, and poor customer service. Users also report system reliability issues, such as booking errors and login troubles, which can disrupt business operations.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Brex and Navan, such as integration issues and complicated expense processes. Our platform is designed to simplify financial management, offering seamless integrations, user-friendly expense tracking, and exceptional customer support, making us a reliable choice for your business needs.

Rho Features

Rho offers a range of unique features designed to address specific challenges businesses face with Brex and Navan:

Rho Platinum: Our corporate credit card offers up to 2% cashback¹, providing financial incentives that help businesses save money on everyday expenses.
Expense Management: We eliminate the need for manual expense reports by capturing every receipt automatically, reducing administrative burden and improving accuracy.
AP Automation: Pay hundreds of vendors in minutes with zero platform fees, speeding up vendor payments and improving cash flow management.
Rho Treasury: Safeguard idle cash and earn a dynamic interest rate, maximizing returns on your business's surplus funds.
Integrations: Seamlessly connect with accounting, HR, and T&E software, streamlining financial operations and reducing the need for manual data entry.
24/7 Support: Our dedicated support team is available around the clock, ensuring you have access to help whenever needed, enhancing user experience and reliability.

Rho Pricing

We offer a straightforward and transparent pricing structure that makes managing your finances simple and cost-effective. Unlike Brex and Navan, many of our core services are free to use, eliminating the hassle of hidden fees and complex pricing tiers.

$0 Same-Day ACH fees: No charge for same-day ACH transactions, making transfers quick and cost-free.
$0 Wire fees: No charge for wire transfers, with some exceptions for international wires.
$0 Monthly plans: No monthly subscription fees for accessing our comprehensive financial services.
$0 Support fees: Free live support from day one, ensuring you get the help you need without additional costs.
$0 Subscription fees: No subscription fees for using our platform, keeping your costs predictable and low.
$0 Checking account minimum fees: No minimum balance fees for checking accounts, giving you flexibility in managing your funds.
$0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features, streamlining your financial operations.
$0 Per-user fees: No fees per user for accessing the platform, making it easy to scale as your team grows.
1% Foreign currency transfer: A 1% fee on foreign currency transfers, providing competitive rates for international transactions.

You can find all the details about our pricing here.

Why Users Love Rho

We’re proud of what we do, but we think our customers say it best. Take a look at why they prefer Rho over other options.

"Rho is everything a corporate card program should be - And it's free to the users and employers!" - Tyler M., Chief Financial Officer, Small-Business
"From day one, using Rho has been simple and straightforward." - Kevin K., Director of Marketing and Analytics, Mid-Market
"Modern, flexible, tech-centric user experience on traditional credit card services." - Pete S., Mid-Market

Want a firsthand look at Rho? You can request a free demo here.

Which Platform Is Right for Your Business?

Each platform—Brex, Navan, and Rho—has its strengths, catering to different business needs. Brex excels in AI-powered expense management, while Navan simplifies corporate travel and expense processes. However, both have limitations, such as integration issues and complex pricing structures.

This is where Rho comes in. We offer seamless integrations, user-friendly expense tracking, and transparent pricing with no hidden fees. Our 24/7 support ensures you have help whenever needed, making us a reliable choice for your business.

Make the Smarter Choice with Rho Today

Curious to see what Rho can do for you? Discover how our platform can simplify your financial management. Get started with Rho today.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank N.A., member FDIC. Savings account services provided by American Deposit Management Co. and its partner banks. International and foreign currency payments services are provided by Wise US Inc. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Products and services offered through the Rho platform are subject to approval.

The Rho Corporate Cards are issued by Webster Bank N.A., member FDIC pursuant to a license from Mastercard, subject to approval.

Investment management and advisory services provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser and subsidiary of Rho. Rho Treasury investments are not deposits or other obligations of Webster Bank N.A., or American Deposit Management Co.’s partner banks, are not FDIC insured, are not guaranteed and may lose value. Investment products involve risk, including the possible loss of the principal invested, and past performance does not future results. Treasury and custodial services provided through Apex Clearing Corp. and Interactive Brokers LLC, registered broker dealers and members FINRA/SIPC.

¹Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions here.

This content is for informational purposes only. It doesn’t necessarily reflect the views of Rho and should not be construed as legal, tax, benefits, financial, accounting, or other advice. If you need specific advice for your business, please consult with an expert, as rules and regulations change regularly.