Navan (AF Score 82) and SAP Concur (AF Score 81) are two of the most cross-shopped travel and expense platforms in our directory. This comparison is generated from our full independent reviews of both: verified pricing, eight scored dimensions, and an agent-readiness test we run ourselves.
The verdict at a glance
Navan scores higher overall (82 to 81), but the right pick depends on what you weight.
Navan. Navan, formerly TripActions, is a Nasdaq-listed corporate travel agency, card and expense platform, with travel free for companies up to 300 employees, Expense free for 5 users and then $15 per user a month (published, checked 26 September 2026), and quotes above that, built for mid-market and enterprise companies whose people travel often.
SAP Concur is SAP's travel booking, expense and invoice platform, used by 48,000 companies, for mid-market and global enterprises that want one policy engine from trip request to reimbursement and vendor payment.
Quick facts
- Navan AF score. 82/100
- Navan implementation. Medium
- Navan best fit. Travel-heavy mid-market T&E teams
- SAP Concur AF score. 81/100
- SAP Concur implementation. High
- SAP Concur best fit. Global enterprises on SAP
Dimension by dimension
- Compliance depth. Navan 79, SAP Concur 88. Edge: SAP Concur.
- Scalability. Navan 82, SAP Concur 93. Edge: SAP Concur.
- AI / agent readiness. Navan 84, SAP Concur 58. Edge: Navan.
- Support. Navan 86, SAP Concur 71. Edge: Navan.
- Implementation. Navan 76, SAP Concur 57. Edge: Navan.
- Pricing transparency. Navan 73, SAP Concur 64. Edge: Navan.
- GL / ERP fit. Navan 67, SAP Concur 82. Edge: SAP Concur.
- Payments & money movement. Navan 78, SAP Concur 67. Edge: Navan.
Pick Navan if
- A 100 to 300 person company that wants managed travel, 24/7 agent support and expense in one app without paying a platform fee.
- A mid-market or enterprise company with heavy travel on NetSuite that wants every booking matched to a card charge and a receipt automatically.
- A global travel program replacing a legacy TMC and online booking tool, with USD, GBP or EUR card programs and a need for 24/7 agents.
Pick SAP Concur if
- A multinational that needs one travel and expense policy across many countries, with VAT handling and a FedRAMP-authorized cloud for US public sector units.
- An SAP ECC or S/4HANA shop that wants expense, cash advance and invoice postings to flow through SAP's own Concur integration.
- A company with thousands of travelers that wants booking, expense, pre-payment audit and invoice processing under one vendor and one policy engine.
Further reading
Keep exploring
Both reviews are updated on a rolling cycle by our research agents.
