Navan and American Express: Business Benefits Unlocked

Throughout my career, I’ve learned that true innovation blossoms when we harness the power of collaboration — aligning our strengths with partners we trust. Navan’s latest integration with American Express, which enables businesses to instantly create on-demand virtual Cards for travel, embodies that ethos perfectly¹. By incorporating American Express’s robust virtual Card offerings with our comprehensive, all-in-one travel and expense solution, we’re delivering a game-changing experience for modern businesses.

American Express and Navan: Streamline Your Travel Payments, Keep the Rewards of your Card²

Navan has joined the American Express Sync™ Commercial Partner Program, enabling additional American Express capabilities within Navan Connect for U.S. Business and Corporate Card Members. By uniting the trusted brand and payments capabilities of American Express with Navan’s state-of-the-art technology, this integration will allow companies to instantly generate unique, on-demand American Express® virtual Cards for travel bookings made through the Navan platform. Enrollment is required and fees may apply with Navan.

The philosophy behind this development is simple: by combining the best of both worlds, we empower businesses to streamline their financial workflows while preserving the rewards² of your Card and backing of their American Express Card program. This means fast, automated reconciliation, enhanced real-time expense visibility, and precise, proactive spending controls all in one unified system.

What This Means for Your Business

When you combine your American Express Card program with Navan Connect, you unlock the ability to manage travel expenses more efficiently than ever before and keep the rewards of your American Express Card. Here’s how:

• Automated reconciliation: Navan matches real-time payment data with travel booking and invoice information to streamline month-end close.
• Proactive spending policies: Create unique virtual Cards with customizable, built-in spending policies that make managing travel spending easy for finance teams.
• Real-time expense management: Companies have full visibility into every virtual Card expense after it happens with pending and cleared transactions that automatically appear in the Navan Expense dashboard to enable finance leaders to uncover savings opportunities — while keeping budgets and forecasts up-to-date.
• Keep American Express Card rewards: From rewards to global Card acceptance and banking relationships, this integration allows customers to keep their preferred Card program while eliminating the associated change management required with other modern expense systems. Unified by Innovation

The fintech market is brimming with innovators, each riding the crest of the next big wave. At Navan, however, our approach is more about forging powerful integrations than competing in a crowded arena — we’re building a powerhouse of collaboration with the industry’s finest.

Our integration with American Express perfectly captures this ethos. It’s not just about cutting-edge technology; it’s about rethinking what’s possible. By combining our unique expertise with American Express’ leading Card program, we're crafting an ecosystem that supports our shared customers not only now but also paves the way for future-ready solutions. 

Looking Ahead

Innovation is a continuous journey. Our integration with American Express is just one step in our commitment to transforming travel and expense management. We envision a future where every business, regardless of size, benefits from solutions that combine automation, visibility, and control. As we continue to push the boundaries of innovation, I am excited about the opportunities that lie ahead for our customers and the broader fintech community.

Learn more about how our American Express integration can streamline your expense management. Embrace the power of collaboration and experience firsthand the future of modern financial management.

¹To generate American Express virtual Cards through Navan, you must be an American Express Business, or American Express Corporate Purchasing Card Member. Separate enrollment with Navan and American Express is required to utilize combined product offering. To make an American Express Card payment to a vendor through Navan, the vendor must be an American Express accepting merchant. There is no fee to generate American Express virtual Cards. Certain features, upgrades, and additional payment methods may require separate activations and fees may apply. Navan is solely responsible for determining any and all fees associated with their product. Please contact your Navan representative to learn more.

²Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.