Navan vs Concur (SAP Concur): pricing, fees and which one fits your company

What is the main difference between Navan and Concur?

Concur is an expense platform that also books travel. Navan is a travel platform that also does expense. That ordering explains almost every difference you will run into. Concur's Base tier lists Concur Expense and nothing else, and its pricing is quoted per expense report, because the expense report is the unit the company has organized itself around since long before anyone was buying travel software. Navan starts from the trip: the booking product is the free part, and expense is what you pay for.

The second difference is who you buy from and how long it takes. Navan is a self-serve signup. Concur is sales-led, and this is not a matter of interpretation: the "Buy now" buttons on the published Base and Plus tiers both link to a contact form rather than a checkout, and there is no free trial anywhere on the site. Its quote form asks for your monthly expense report volume in bands, starting below 100 and running past 1,000, which tells you roughly where the company expects its customers to sit.

How much does SAP Concur cost compared to Navan?

SAP Concur publishes two list prices in 2026: about $7 per expense report on Base and about $11 per expense report on Plus, both described as supporting unlimited users, with Premium quoted individually. The page notes that price varies based on monthly commitment and that the more you contract for, the less you pay per report. Navan publishes a different shape entirely: travel free under 300 employees, expense free for five monthly expensing users and then $15 per user a month.

Because the units differ, the comparison depends on how your company behaves rather than how big it is. A thirty-person consultancy where twelve people file one report a month generates around 144 reports a year, which is roughly $1,000 on Concur Base, against $1,260 a year on Navan Expense for the seven users above the free five. Change it to a field team where the same twelve people file four reports a month and Concur runs about $4,000 while Navan does not move, because Navan charges for the person, not the filing. Run your own count before you take either quote.

One warning on both sides. Concur does not publish an implementation fee, a minimum term or a contract length anywhere, and we are not going to repeat the figures that circulate on third-party blogs because none of them trace back to Concur. Ask for those in writing. Navan does not publish an Enterprise price either. Our guide to how much Concur costs works through what is published and what is not.

Does Concur include 24/7 support?

Not by default, and this is the single most misread line in the comparison. Concur sells a User Support Desk as an add-on, described as 24/7 help from a global team of experts when you purchase add-on support. On the feature table of its own pricing page, the 24/7 support row is checked for the two higher tiers and blank for Base. Concur is candid about what happens without it: internal support is often provided by whoever approves expense reports.

It is also worth being precise about what that support covers. The User Support Desk answers software questions. It is not a travel desk that rebooks a stranded traveler at 2am. Navan's 24/7 offering is a different animal: in-house travel agents reachable by chat or call, included on the free Business tier. If your evaluation weighs heavily on what happens when a trip goes wrong, that difference matters more than any per-report figure on either page.

Do you need a TMC with Concur?

In practice, usually yes, and Concur says as much in its own words. Concur Travel is positioned as an online booking tool with the freedom to work with any TMC or GDS, and Concur describes it as suited to organizations looking to choose their travel management company. The booking tool handles search, policy and approval; the fulfilment, ticketing changes and out-of-hours traveler servicing come from the agency you appoint. Concur also runs a partner program for TMCs and publishes a separate product line aimed at them.

The alternative Concur now offers is Complete by SAP Concur and Amex GBT, announced in October 2025, which folds booking, servicing, payments and expensing into one arrangement with American Express Global Business Travel supplying the travel side. Concur cites access to more than 600 airlines and over two million properties, expedited NDC content and unified traveler support through an integrated chat agent. It does not publish pricing, availability tiers or a minimum company size for Complete, so treat it as a conversation rather than a plan you can cost out.

Navan does not work this way. It employs its own travel agents, so there is no third party to appoint and no second contract to sign. That is genuinely simpler for a small company. The tradeoff is that you are inside Navan's inventory and its service organization, with no option to bring the agency relationship you may already have and like.

• Already have a TMC you trust: Concur fits that model
• No agency relationship and no wish to start one: Navan
• Expense is the real problem, travel is secondary: Concur
• Travel is the real problem, under 300 employees: Navan
• Need ERP integration and a formal approval hierarchy: Concur
• Want a US-issued card from the platform itself: Navan

Which is better for a small business?

For most US companies under about 150 people, Navan is the easier answer. It is free for the travel side, you can sign up without talking to anyone, the card is US-issued, and support is staffed by the same company. Concur is buildable at that size, and its Base tier at roughly $7 per report is not expensive in absolute terms, but you are buying an expense product from a sales process, then adding a support desk, then appointing a TMC to actually service travel. That is three decisions where Navan is one.

Concur earns its place once the requirements get specific. Deep ERP integration, invoice and purchase-request workflows, granular audit rules, a global program across many entities, an existing Amex relationship: these are Concur's home ground and Navan does not match them. Its buyer reviews reflect a mature product rather than a loved one, at 4.3 on Capterra across more than 2,200 reviews and 4.2 on Gartner Peer Insights for both Expense and Travel.

It is also fair to note that Navan is no longer a risky bet on a startup. It listed on the Nasdaq in October 2025 under the ticker NAVN and reports $702 million in trailing revenue and more than 12,500 active customers. Vendor stability is a legitimate part of this evaluation and it no longer cuts cleanly in Concur's favor.

What if you want neither a booking tool nor an expense platform?

Both of these products assume the same thing: that a person will sit down, search, compare, book, then file. Policy wraps the search box and reporting collects the aftermath. For plenty of small US companies the expensive part is neither the platform fee nor the per-report charge. It is the hour someone loses planning each trip, and the afternoon that disappears when a flight is canceled and a traveler is stuck in an airport working the phone.

TripAgent.ai is built for that company. You describe the trip in a sentence, and the AI plans the day-by-day itinerary, books the flights, hotels and activities inside the budget and policy rules you set once, and rebooks the traveler automatically when a flight falls through, reshuffling the days that no longer fit. It is a flat subscription from $19 a month, with no percentage on any booking and nothing charged per expense report. Try it in the demo at the top of this page with a trip you actually need to take.

The honest limits, so nobody is surprised after signing: TripAgent.ai does not issue corporate cards, does not run expense reconciliation or ERP integration, does not carry negotiated corporate rates and does not staff a 24/7 human agent desk. If any of those is the thing you are shopping for, buy Concur or Navan. If what you want is trips planned, booked and fixed without anyone owning it, start with small business travel management, or compare the other pairing most shortlists reach in the Navan vs TravelPerk comparison.