Navan Rewards pays you part of the savings when you book a hotel below the "Price to Beat", as credit for personal hotel stays on Navan (Navan pays, not your employer; it expires after 12 months). The catch: cheaper rates often earn no Marriott, Hilton or Hyatt points or elite nights. Compare the credit with the points the chain stay would earn. Perk, Concur and Egencia pay travellers nothing themselves.
How Navan Rewards works
From Navan's own pages and terms, with older or unconfirmed points marked.
| How | Every hotel search shows a 'Price to Beat': a dynamic target based on location, dates and demand, set below the company's policy limit (the prospectus calls it a median price for the location and time). Book below it and, after the stay, earn a share of the difference. |
|---|---|
| What you earn | A percentage of the savings below the Price to Beat. The percentage is not published. |
| Cap per booking | $100UnverifiedReported May 2023, not on Navan's current pages. |
| Applies to | hotels (business stays below Price to Beat, and personal hotel bookings since Feb 2024). Flights: not on current pages |
| Spend it on | Personal hotel stays booked on Navan (full or part payment). No cash value. The prospectus also lists travel upgrades and gift cards (unverified for users) |
| Expiry | 12 months after accrual (points accrued from 1 Aug 2024) |
| Booking for others | Up to 1.5% of booking value on in-policy hotel stays booked for others |
| Who pays | Navan funds 100% since 1 May 2023, so the employer pays nothing. The terms define the employer as the party that 'elected to enable' participation, which implies an on/off setting (no admin guide found). Admins see a savings dashboard. 'Employer points' are mentioned in the terms |
| Navan Edge (2026) | 5% back in Amazon gift cards on hotel stays; 10% promo for stays booked by 15 Nov 2026; US, launched 2 Mar 2026 |
Sources: navan.com, navan.com, navan.com, businesstravelnews.com, navan.com, navan.com, sec.gov, navan.com, navan.com, navan.com, navan.com, investors.navan.com, navan.com, navan.com.
The trade-off: credit or chain points
A cheaper hotel earns Navan credit; a loyalty-eligible chain rate earns points and elite nights.
Navan credit = your share of (Price to Beat − the cheaper hotel's price). Only spendable on Navan hotels.
Chain stay = points earned × what a point is worth to you (see hotel points: about 0.75¢ for Marriott, 0.4¢ for Hilton, 1.65¢ for Hyatt), plus the elite night if you need it.
Check the rate in Navan: Only on eligible rates. Navan says rates that don't earn loyalty points also show in search alongside rates that do. OTA-type rates earn nothing at Marriott, Hilton and Hyatt
Ask Mila with both prices and she works it out.
Which booking tools pay the traveller
And which pay the company, or nobody.
| Tool | Who gets it | What | Sources |
|---|---|---|---|
 Navan | Traveller | Share of savings below the Price to Beat, hotels only, as credit for personal Navan hotel stays | navan.com, navan.com, navan.com |
| Navan Edge | Traveller | 5% back in Amazon gift cards on hotel stays; 10% promo for stays booked by 15 Nov 2026; US, launched 2 Mar 2026 | businesstravelnewseurope.com, navan.com |
 Perk (TravelPerk) | Company | No traveller rewards program found. Company-side only: Exclusive Hotel Rebate and card cashback. The Travel savings report (beta, bookings from 6 Jun 2025) shows savings against the policy budget, with no payout | support.perk.com, support.perk.com, perk.com |
 SAP Concur | Depends on add-on | No native traveller reward. Incentives come via App Center partners: Tripkicks (recommended by SAP Concur, Dec 2025) and formerly Rocketrip | community.concur.com, newswire.com, dinova.com |
 Egencia (Amex GBT) | Nobody | No traveller reward found. | training.iu.edu, sqaservices.com, your.yale.edu |
 TripIt (SAP Concur) | Nobody (it only tracks your points) | None. TripIt Pro ($49/yr) Point Tracker tracks 150+ programs | tripit.com, help.tripit.com |
 Rocketrip | Closed (Mondee, 2025) | Classic model: a Price to Beat per trip, and the traveller kept about half the savings as gift cards or charity. Status: acquired by Mondee 2020-09-09; Rocketrip, Inc. was a debtor in Mondee's Chapter 11 (2025-01-14); assets sold 2025-04-03, now Tabhi; rocketrip.com shows Tabhi.ai. Treat as defunct | phocuswire.com, sec.gov, phocuswire.com |
 TravelBank (U.S. Bank) | Traveller | Company-funded lodging rewards: up to 50% of savings below a benchmark; admin sets 20-50% and can switch it off; redeemable for goods and services (gift cards). TravelBank calls them 'tax-free', which is unverified | support.travelbank.com, travelbank.com |
 Tripkicks | Traveller (the company sets the share) | Concur add-on; companies set savings share; eGift cards, charity, cash | newswire.com, tripkicks.com |
 Atmos for Business (Alaska/Hawaiian, new 2025) | Company, plus a status bonus for the traveller | Not a savings reward: company earns 1 point per $1; traveller gets a 10% status-point bonus on their own Atmos earning | news.alaskaair.com |
 Qashio Corporate Travel (MENA, new 2026) | Unclear | Bookings earn 'Qashio Points'; unverified whether these go to the employee or the company | thepaypers.com |
| Travellez | Unclear | Advertises employee rewards for booking below budget; no terms or date. Unverified | launch.travellez.com |
Tax
What we found. No country has a ruling on booking-tool rewards; ask your payroll team.
| Country | Airline miles from business travel | Booking-tool rewards |
|---|---|---|
| United States | IRS Announcement 2002-18: the IRS won't assert tax on receipt or personal use of frequent flyer miles or other in-kind promotional benefits from business travel. This doesn't cover benefits converted to cash, compensation paid as travel or promotional benefits, or tax avoidance. Still unchanged | No specific guidance found. A reward for saving the employer money resembles compensation paid as travel, which falls outside 2002-18 (unverified reading). Gift cards are always wages (Pub 15-B). Navan's terms put tax on the user and/or employer |
| United Kingdom | Not taxable if the miles belong to the employee and are awarded as to any other customer, even on employer-paid trips (HMRC EIM21618) | Not found. EIM21618 says points provided by a third party specifically to a particular employer's staff are taxable; Navan Rewards look closer to that case (unverified) |
| Germany | Pay from a third party; tax-free up to EUR 1,080 per year (§3 Nr. 38 EStG); above that the operator may pay a flat 2.25% (§37a EStG). Miles & More and DB do this | Not found. §3 Nr. 38 requires a loyalty program open to everyone; Navan Rewards are employer-gated, so the exemption may not apply (unverified) |
| Netherlands | Loyalty points received in the course of employment are income at market value when received; the provider may settle the tax as a lump sum, and then the employee isn't taxed (Besluit CPP2001/911M, codified in Belastingplan 2006) | Not found whether Navan settles a lump sum |
| Belgium | Not found | Not found. General rule: employer-granted advantages are taxable as an avantage de toute nature / voordeel van alle aard on fiche 281.10; whether a third-party-funded reward counts is unverified |
Information, not tax advice.
Questions
How does Navan Rewards work?
Every hotel search shows a "Price to Beat", set below your company's policy limit. Book a hotel under it and, after the stay, you get part of the difference as Navan Rewards credit. Navan pays for it, not your employer. You can spend it on personal hotel stays booked on Navan, and it expires 12 months after you earn it.
How much do you earn with Navan Rewards?
A share of the savings below the Price to Beat. Navan doesn't publish the share. A cap of about $100 per booking was reported in May 2023; we couldn't confirm it for 2026. Travel assistants who book for others earn up to 1.5% on in-policy hotel stays.
Do I still earn hotel points when I book through Navan?
Only on rates that earn loyalty points. Navan shows those next to rates that don't, and Marriott, Hilton and Hyatt give no points or elite nights on third-party rates. Check that the rate earns points and that your member number is on the booking.
Is a cheaper Navan hotel better than a chain hotel with points?
Compare the two in money: the Rewards credit (which you can only spend on Navan hotels) against the points the chain stay earns, valued at what you'd really get for them, plus any elite nights you need. For someone chasing status, the chain stay often wins; for someone without a hotel program, the credit does.
Is Navan Rewards credit taxable?
We found no tax ruling on booking-tool rewards in the US, UK, Germany, the Netherlands or Belgium. Rules for airline miles exist (see the table), but a reward for saving the employer money may be treated differently. Navan's terms leave tax to the traveller and the employer. Ask your payroll team.
Does Perk (TravelPerk) have rewards for travellers?
No. Perk's hotel rebate goes to the company. Travellers keep their own airline and hotel points if they add their numbers.
Checked by the Points or Cash team on 5 November 2026. Company airline programs (bluebiz, PartnerPlusBenefit, On Business): company airline rewards.
Cheaper hotel or chain points?
Tell Mila both prices, the Price to Beat and your hotel program. She values the credit against the points and says which to book.
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