Navan Links to Existing Corporate Cards

This is less a card product than a wedge into enterprise finance workflows. By letting a company keep its Citi or American Express program and still pipe every swipe into Navan, Navan removes the hardest part of an expense software sale, which is asking finance to give up rebates, banking terms, and internal approvals tied to an incumbent card. That makes Navan easier to adopt first, then harder to remove once policy controls and reconciliation are running through it.

• In practice, card linking means Navan sits on top of the card a company already uses. Transactions from enrolled Visa, Mastercard, and some Amex programs flow into Navan, where receipts, travel bookings, coding, and policy checks are matched automatically instead of being handled in a separate expense report process.
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• This matters most upmarket, where the card is often locked in by a broader bank relationship. Enterprise customers may keep a bank because of credit lines, treasury services, or rebate economics. Expense software that is rails agnostic can win the workflow without forcing a painful card migration.
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• The model also fits how enterprises buy software. Travel, card, and procurement are often chosen by different teams, so best of breed products need to plug into each other. Navan Connect handles the bring your own card path, while deeper partnerships like Citi and Brex add tighter reconciliation for customers who want a preferred setup.
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The next step is a split market. Mid market companies will keep buying bundled cards plus software, while large enterprises will increasingly assemble a stack of specialized tools connected through embedded payments and linked card data. Navan is positioned to own the travel and expense workflow in that world, even when it does not own the card itself.