Divvy Card Vs. Ramp Card: Read this First

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Last updated on September 7th, 2023

Businesses want access to more capital and industry-leading software integrations in one package. The Ramp Card and Divvy Credit Card business cards are two great options, but which is right for your company?

Divvy Card or Ramp Card: Which Is Right for You?

The Ramp Card and Divvy Credit Card enjoy popularity among corporations seeking lucrative rewards and streamlined financial tools, but which is right for you? Here is how the two card products stack up over several key metrics:

How to Apply

Here is all the information you’ll need to apply for both cards:

What Information Do You Need to Apply for the Divvy Card?

Here is everything you’ll need to apply for the Divvy Card:

  • Name
  • Address, phone number, and email address
  • DBA name, number of employees, business type, and industry
  • External bank account information

The Divvy Card operates a fast application process that requires only six steps and may result in a near-instant underwriting (depending upon the business’s cash supply and income). Divvy also operates several different underwriting forms – the company even boasts an internal underwriting team for new applicants. Traditional and cash underwriting are offered as well, making it easy for companies to find a bespoke credit line for their unique needs.

What Information Do You Need to Apply for a Ramp Card Account?

Here is what you’ll need to apply for the Ramp Card:

  • Business address, information, and description, including your business’s legal and DBA names
  • Personal address and contact information, including the last 4 digits of the SSN, for one corporate officer or the business owner
  • Corporate formation information, including your EIN and formation dates
  • Estimated monthly business card spend
  • Bank account credentials link a bank account and any commerce sales platform account

To qualify for Ramp, businesses need to be registered in the United States, be a corporation, limited liability company, or LP (nonprofits are welcome), and must have at least $75,000 in cash in any US business bank account linked to your application. Currently, Ramp doesn’t accept sole proprietors or unregistered businesses.

Card Fees

Here is a quick breakdown of some of the key fees with both cards:

Annual Fees

Neither business card features an annual fee:

  • Ramp Card – No annual fee
  • Divvy Credit Card– No annual fee

Other Fees

The Divvy Platform is free to use to manage budgets, expenses, physical and virtual cards, and more. Additionally, the Divvy Credit Builder charges no annual fee. There are also no interest rates with the credit builder program.

Like Divvy, Ramp is big on features but light on fees. In fact, there are no fees involved with the Ramp corporate card. Ramp charges no annual fee, no foreign transaction fees, and no interest on purchases. Because Ramp is a charge card, companies must repay the balance monthly. Ramp also offers complimentary employee cards, so it’s even easier to spend – and earn rewards – no matter where business takes you.


Earning Rewards with Divvy

Divvy Visa earns rewards based on the company’s repayment schedule, with shorter payment cycles returning greater rewards. This rewards system is somewhat confusing, but here are the bonus rewards categories based on the repayment schedule:

Weekly payments
7X on dining 5X on hotels 2X on recurring software subscriptions 1.5X on everything else
Semi-monthly payments
4X on dining 3X on hotels 1.75X on recurring software subscriptions 1X on everything else
Monthly payments
2X on dining 2X on hotels 1.5X on recurring software subscriptions 1X on everything else

Redeeming rewards with Divvy is straightforward. Rewards points are redeemable for Divvy Travel (powered by TravelPerk), statement credits, gift cards, or cash back

Earning Rewards with Ramp

The Ramp corporate card offers an unlimited, accelerated cash back rewards program. Businesses earn unlimited 1.5% cash back on all eligible purchases, with no confusing bonus categories or aggravating rewards caps. Rewards are easily redeemable for statement credits through the Ramp interface. Simply log in and request a statement credit.

The 1.5% back is less than the rewards found with Divvy, but the Divvy Card’s rewards structure is much more confusing. For example, Divvy staggers rewards based upon repayment schedule, with shorter payment cycles returning greater rewards. This process may cause confusion, which Ramp avoids.


Other Card Perks

Here is a list of other key features of both business cards:

Divvy Credit Card

Divvy provides an exceptional selection of business features for no annual fee. Divvy allows business owners to manage expenses and budgeting in an easy, streamlined format. With spending notifications, instant categorization, and a two-step review process, you can take advantage of easy dispute resolution, report drill-downs, and simple reimbursements.

All the data is stored and accessible in one place, so Divvy essentially becomes an end-to-end spend management platform that allows you to take control of your business finances – and at no cost, with no contracts.

Ramp Card

Other notable features of the Ramp corporate card include:

  • Virtual support for Google Pay and Apple Pay
  • Custom-branded employee cards at no additional cost
  • Set up in as little as 15 minutes

The Ramp Card also enjoys Visa Signature Business benefits and protections, including: 

Zero Fraud Liability Roadside Dispatch Cardholder Inquiry Services Lost/Stolen Card Reporting Emergency Card Replacement
Auto Rental Collison Damage Waiver Travel and Emergency Assistance Services Purchase and Extended Protection Lost Luggage Reimbursement


Here is a quick recap of all the features of both cards:

divvy card
BILL Divvy Corporate Card
ramp metal 1200x630 1 1
Ramp Card
No personal credit check or guarantee in most cases No personal credit check or guarantee
Near-instant underwriting Up to 20X the capital of a standard card
Earn up to 7X based on your payment schedule Earn unlimited 1.5% cash back on every purchase
No annual fee No annual fee

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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