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

Many businesses look to Ramp 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 determine which is the best fit for your business. Additionally, we'll also explore Rho as a third option worth considering.

Ramp Overview

Ramp operates in the spend management, corporate cards, and accounts payable solutions category. Its main value proposition is to save both time and money by offering an all-in-one platform for corporate cards, bill payments, and accounting. Ramp primarily serves startups, small businesses, mid-market companies, and enterprises.

Ramp Features

Some of the key features of Ramp include:

• Corporate Cards: Provides physical and virtual cards with pre-approved funds and built-in controls.
• Expense Management: Automates the submission and approval of expenses, reducing manual work.
• Accounts Payable: Processes bills quickly, supporting multiple payment methods like ACH and checks.
• AI-powered Accounting Automation: Uses AI to automate receipt collection and expense categorization.

Ramp Pricing

Ramp offers a range of subscription tiers to cater to different business needs.

• Free: $0/mo/user - Includes corporate cards, expense policy enforcement, and basic accounting rules.
• Plus: $15/mo/user + platform fee - Adds auto-lock cards, advanced approval policies, and multi-entity support.
• Enterprise: Custom pricing - Offers direct ERP integrations and custom development services.

The price for the "Enterprise" package is not publicly listed.

Drawbacks To Ramp

General user reviews of Ramp highlight its efficiency and ease of use, but some users have noted issues with specific features.

• "Ramp has streamlined our expense management, but the card issues can be frustrating at times." - Nick E.
• "The platform is user-friendly, though it lacks some features we need for our business." - Brian V.

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

Navan Overview

Navan operates in the business travel and expense management category. Its main value proposition is to simplify corporate travel and expense processes, providing visibility and control. Navan primarily serves road warriors, travel managers, finance and 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 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 subscription tiers to cater to different business needs.

• Navan Business: Free - Includes global travel inventory, unlimited policy workflows, and 24/7 travel support.
• Navan Enterprise: Custom pricing - Includes everything in Navan Business plus additional enterprise-grade features.

Drawbacks To Navan

The overall consensus about Navan is mixed but leans towards positive.

• "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... but our account manager, Kyle, and the tech team have been responsive and helpful." - Vanessa

For more detailed reviews, visit Navan Reviews on Trustpilot.

What to Know Before Picking Ramp or Navan

Looking at the reviews as a whole, businesses using Ramp often face issues with card functionality and the need for manual entry, which can be time-consuming. Additionally, some users have reported challenges with receipt management and approval processes.

On the other hand, Navan users frequently mention higher pricing for hotels and cars, along with a complicated expense completion process. The platform's reliability issues, such as booking errors and login troubles, also seem to be a common concern among businesses.

Why Rho Is a Better Alternative

At Rho, we understand the challenges businesses face with Ramp and Navan, such as card issues, manual entry, and complex expense processes. Our platform addresses these pain points by offering seamless automation, reliable card functionality, and simplified expense management, making us a more efficient and user-friendly solution.

Rho Features

Rho offers a range of unique features designed to address specific challenges businesses face with Ramp and Navan. Here are some of the standout features:

• Rho Platinum: Our Rho Platinum card offers up to 2% cashback¹, incentivizing usage and providing significant savings on business expenses.
• Expense Management: We eliminate the need for traditional expense reports by capturing every receipt automatically, streamlining the expense management process and reducing manual entry.
• AP Automation: Our platform allows you to pay hundreds of vendors in minutes with zero platform fees, drastically reducing the time and cost associated with accounts payable.
• Rho Treasury: Safeguard your idle cash with our dynamic yield rates, ensuring your funds are always working for you, unlike traditional banking solutions.
• Private Banking Support: We provide 24/7 customer support, ensuring that you have access to help whenever you need it, enhancing your overall experience and operational efficiency.
• Seamless Integration: Our platform integrates effortlessly with popular accounting software like QuickBooks Online, saving your finance team hours each month and simplifying your financial workflows.
• Virtual Cards: Create virtual cards for employees, specific dates, or particular vendors, offering flexibility and control over company spending.

Rho Pricing

We offer a straightforward and transparent pricing structure that sets us apart from competitors like Ramp and Navan. Our pricing is simple, with many essential features available at no cost, making it easier for businesses to manage their finances without worrying about hidden fees.

• $0 monthly fees: Access all our essential accounting integrations without any monthly charges.
• $0 same-day ACH fees: Enjoy free same-day ACH transactions, ensuring your payments are processed quickly.
• $0 wire fees: Send wire transfers at no cost, with some exceptions for international wires.
• $0 support fees: Get customer support from day one without any additional charges.
• $0 subscription fees: Use our subscription-based services without any fees.
• $0 checking account minimum fees: Maintain your checking account without worrying about minimum balance fees.
• $0 connected, in-platform capabilities: Utilize our AP, Expense, and Accounting Automation features at no cost.
• $0 per-user fees: Add as many users as you need without incurring extra charges.
• 1% foreign currency transfer: Pay a minimal fee of 1% on foreign currency transfers.

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.

• "It is easy to use, it saves time and eliminates stress." - Sean F. (Chief Financial Officer, Mid-Market)
• "Rho offers our users a one-touch experience for reporting company expenses on a corporate card." - Tyler M. (Chief Financial Officer, Small-Business)
• "Rho has worked very well for my company to help us properly communicate and regulate what we need and when we need it." - Kevin K. (Director of Marketing and Analytics, Mid-Market)

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

Which Platform Is Right for Your Business?

Each platform—Ramp, Navan, and Rho—has its strengths, catering to different business needs. Ramp excels in spend management and corporate cards, while Navan simplifies travel and expense processes. However, both have their drawbacks, such as card issues and complex expense processes.

This is where Rho comes in. We offer seamless automation, reliable card functionality, and simplified expense management. Our platform integrates effortlessly with popular accounting software, saving your finance team hours each month. Additionally, our transparent pricing structure ensures no hidden fees, making financial management straightforward and cost-effective.

Make the Smarter Choice with Rho Today

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