How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Navan suits companies that want travel booking and expense management in one system, with cards and controls.
- Ramp and Brex suit companies that want corporate cards with built-in expense controls and automation.
- SAP Concur suits large enterprises with complex travel policies and ERP integration needs.
- The best travel and expense tool cuts reimbursement time and policy violations, not just booking costs.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Navan | Travel plus expense in one | See website | Free trial |
 Ramp | Cards plus expense automation | See website | Yes |
 Brex | Cards plus expense for startups | See website | Yes |
 SAP Concur | Enterprise travel and expense | See website | No |
 Expensify | Expense reports and cards | See website | Yes |
 TravelPerk | Business travel booking | See website | Free trial |
 Zoho Expense | Affordable expense management | See website | Yes |
 Divvy (BILL Spend and Expense) | Cards plus expense controls | See website | Yes |
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The best travel and expense management software
#1Navan
Best for: Travel plus expense in one4.7/5 on
G2 (9,297 reviews, checked Oct 2026)
Visit navan.com
Starting priceSee website
Free planFree trial
Navan, formerly TripActions, combines business travel booking with expense management, cards, and policy controls in one platform. Employees book flights, hotels, and cars within policy, expenses flow automatically from cards and bookings, and finance teams see spend in real time. Its rewards and support features suit companies whose travel volume justifies an integrated system.
Pricing varies by plan and travel volume, and smaller companies may find its breadth more than they need. Navan also offers a rewards program that shares savings with travelers who book under policy. Navan fits mid-sized and large companies that want travel and expense together, with policy controls and real-time visibility.
What we like- Travel booking plus expenses
- Cards
- Policy controls
Watch out for- Pricing varies by plan
- Smaller companies may find it broad
#2Ramp
Best for: Cards plus expense automation4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting priceSee website
Free planYes
Ramp offers corporate cards with built-in expense controls, receipt automation, and accounting integration, with a free core platform that suits startups and mid-sized companies. Its cards enforce limits by category, vendor, and employee, while receipt matching and accounting sync cut manual expense work sharply. Finance teams value its real-time spend visibility and savings insights.
It is US-focused, and travel booking is thinner than Navan's or TravelPerk's. Ramp also offers procurement features that extend controls from expenses to vendor purchases. Ramp fits US companies that want cards plus expense automation free, with controls that prevent overspend before it happens.
What we like- Free core platform
- Cards with controls
- Receipt automation
Watch out for- US-focused
- Travel booking thinner than Navan
#3Brex
Best for: Cards plus expense for startups4.8/5 on
G2 (1,643 reviews, checked Oct 2026)
Visit brex.com
Starting priceSee website
Free planYes
Brex provides corporate cards and expense management aimed at startups and growing companies, with automation for receipts, approvals, and accounting, plus travel booking features. Its underwriting suits venture-backed startups, and some plans avoid personal guarantees that founders dislike. Expense automation and real-time controls help young finance teams scale without manual processes.
Eligibility criteria exclude some companies, and travel features are thinner than Navan's. Brex also offers cash management accounts that help startups hold operating funds alongside card spending. Brex fits startups and scale-ups that want cards plus expense automation, with founder-friendly terms where they qualify.
What we like- Cards for startups
- Expense automation
- No personal guarantee on some plans
Watch out for- Eligibility criteria
- Travel features thinner than Navan
#4SAP Concur
Best for: Enterprise travel and expense4.0/5 on
G2 (7,226 reviews, checked Oct 2026)
Visit concur.com
Starting priceSee website
Free planNo
SAP Concur is the enterprise standard for travel and expense, with deep policy controls, global travel booking, expense reporting, and integration with SAP and other ERPs. Large companies use it to enforce complex travel policies across countries, currencies, and business units, with audit trails that satisfy compliance teams. Its scale suits organizations with thousands of travelers.
Pricing is enterprise-grade, setup is complex, and its interface feels dated beside Navan and Ramp. SAP Concur also offers mobile capture that lets travelers photograph receipts and submit expenses from phones. SAP Concur fits large enterprises that need the deepest travel and expense controls with ERP integration, accepting complexity and cost.
What we like- Deepest enterprise features
- ERP integration
- Global scale
Watch out for- Enterprise pricing
- Complex setup
- Interface dated
#5Expensify
Best for: Expense reports and cards4.5/5 on
G2 (5,685 reviews, checked Oct 2026)
Visit expensify.com
Starting priceSee website
Free planYes
Expensify focuses on expense reports and cards, with SmartScan receipt capture, automatic categorization, and approval workflows that employees find easy. Its cards feed expenses automatically, and its reports suit companies that need clean expense data without full travel booking. Small and mid-sized companies use it as a straightforward expense system.
Travel booking is not included, so companies needing integrated travel must pair it with another tool. Expensify also offers chat-based expense submission that lets employees report spending conversationally. Expensify fits companies that want easy expense reports and cards, without travel booking complexity.
What we like- SmartScan receipts
- Expense reports
- Cards
- Easy for employees
Watch out for- Travel booking not included
- Pricing per user
Starting priceSee website
Free planFree trial
TravelPerk focuses on business travel booking, with flights, hotels, cars, and trains, policy controls, and VAT recovery features that suit European and global companies. Its booking experience is built for business travelers, with support and flexibility features that leisure tools lack. Companies use it to centralize travel spend and enforce policy at booking.
Expense management features are thinner than Navan's integrated system, and pricing on some plans is per trip. TravelPerk also offers carbon reporting that helps companies track travel emissions for sustainability goals. TravelPerk fits companies that prioritize travel booking and policy control, pairing it with a separate expense tool where needed.
What we like- Business travel booking
- Policy controls
- VAT recovery
Watch out for- Expense features thinner than Navan
- Pricing per trip on some plans
#7Zoho Expense
Best for: Affordable expense management4.5/5 on
G2 (1,579 reviews, checked Oct 2026)
Visit zoho.com
Starting priceSee website
Free planYes
Zoho Expense offers affordable expense management with receipt scanning, approval workflows, mileage tracking, and reporting, plus integration with the wider Zoho suite. Its free tier covers basic expense tracking for small teams, and paid tiers add automation and advanced controls. Small businesses already using Zoho apps find it a natural fit.
Travel booking is not included, and advanced features need higher tiers. Zoho Expense also supports multi-currency expenses with automatic conversion for global teams. Zoho Expense fits small businesses that want affordable expense management, especially those already in the Zoho ecosystem.
What we like- Affordable
- Receipt scanning
- Zoho ecosystem integration
Watch out for- Travel booking not included
- Advanced features need higher tiers
#8
Divvy (BILL Spend and Expense)
Best for: Cards plus expense controls
Visit bill.com
Starting priceSee website
Free planYes
Divvy, now BILL Spend and Expense after BILL's acquisition, offers corporate cards with budgets and expense controls, integrated with BILL's payments platform. Its cards enforce spending limits by team and category, expenses flow automatically, and finance teams gain real-time visibility. Companies using BILL for payables find the integration convenient.
The rebrand from Divvy to BILL Spend and Expense confuses some buyers, and travel booking is not included. BILL Spend and Expense also offers virtual cards for one-time vendor payments. Divvy fits companies that want cards plus expense controls integrated with BILL payments, without travel booking needs.
What we like- Cards with budgets
- Expense controls
- BILL integration
Watch out for- Rebrand confusion
- Travel booking not included
How we chose
We compared pricing pages, product documentation, and public user reviews for travel and expense tools that are actively sold in 2026. We favored tools with real travel, card, or expense capability, current availability, and clear pricing models. We checked integration claims carefully, since ERP and accounting support varies, and we left out tools that no longer sell a current product.
Controls at booking beat audits after spending
Expense audits catch overspend after money is gone, while booking controls prevent it: policy limits, preferred vendors, and card controls stop out-of-policy spend before it happens. Tools like Navan, Ramp, and Brex enforce policy at the moment of booking or purchase, which cuts violations and reimbursement disputes far more effectively than post-trip auditing. Set policies that reflect real travel needs, not aspirational frugality, or employees will route around them.
Automate receipts or expenses will pile up
Manual expense reports are where travel programs die: employees delay reports, lose receipts, and finance teams chase paperwork for months. Favor tools with card-fed expenses, receipt scanning, and automatic categorization, so most expenses need only review, not data entry. Measure report completion time before and after automation to prove the return.
Give travelers support, not just policies
Business travel goes wrong: flights cancel, hotels overbook, and plans change at midnight. Tools with 24-hour traveler support, like Navan and TravelPerk, matter more in those moments than booking discounts. Confirm support hours, channels, and rebooking help before choosing, since a cheap booking tool with no support costs more in disrupted trips.
Set per-diem and meal policies clearly
Unclear meal and per-diem policies generate the most expense disputes, since employees interpret vague rules differently. Publish clear daily limits by city, state what counts as a business meal, and automate per-diem calculations where tools support them. Clear policies reduce disputes more than strict auditing ever will.
Reconcile travel and expense data monthly
Travel bookings, card charges, and expense reports must reconcile, or finance teams cannot trust spend data. Review monthly whether bookings match expenses, whether policy exceptions cluster by team or vendor, and whether negotiated rates actually apply. That reconciliation turns travel data into negotiating power with airlines and hotels.
Frequently asked questions
Is Navan or SAP Concur better for large companies?
Navan suits companies that want modern travel plus expense in one system with strong user experience, while SAP Concur suits enterprises with complex policies and SAP ERP integration. Trial both on your travel patterns and policy complexity before choosing. Companies already running SAP should weigh integration value heavily, since it shapes implementation effort.
Do Ramp and Brex really offer free expense management?
Yes, both offer free core platforms with cards and expense automation, earning revenue from card interchange and premium features. Free tiers suit startups and mid-sized companies, while larger firms may need paid tiers for advanced controls. Compare free tier limits against your transaction volume before committing.
Can small businesses use travel and expense software?
Yes, Zoho Expense and Expensify offer free or affordable tiers for small teams, while Ramp and Brex offer free card-based platforms. Small businesses should start with expense automation and add travel booking only when travel volume justifies it. Review tiers annually as team size and travel volume change. A tier that fit last year may cost more than needed now.
How do corporate cards control spending?
Cards enforce limits by employee, category, vendor, and amount, blocking out-of-policy purchases before they happen. Finance teams set budgets per team, review spend in real time, and adjust controls as needs change, which prevents overspend more effectively than audits.
What is the biggest travel and expense mistake companies make?
Treating travel booking and expense reporting as separate problems, which creates duplicate data, policy gaps, and reimbursement delays. Integrated tools or tightly integrated pairs, with controls at booking and automation for receipts, prevent most of these issues. Audit the handoff between booking and expense systems first when problems appear.
Sources we checked (8)
- https://navan.com
- https://ramp.com
- https://www.brex.com
- https://www.concur.com
- https://www.expensify.com
- https://www.travelperk.com
- https://www.zoho.com
- https://www.bill.com
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.