Last updated on September 7th, 2023
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BILL Divvy Corporate Card
BILL Divvy Corporate Card
BILL Divvy Corporate Card
At a Glance
The BILL Divvy Corporate Card is a business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
BILL Divvy Corporate Card Review
The BILL Divvy Corporate Business Card is a corporate credit card that promises no fees, scalable credit lines, enforceable budgets, and more. The card is issued by Cross River Bank and, through BILL.com, it provides the ideal platform for helping small businesses (plus midsize businesses and larger commerce and retail brands) streamline the spending they make each month – without impacting their personal credit scores.
Easy, Fast Approval
Fintech credit cards are great at streamlining the application process. This benefit is especially advantageous for businesses, as traditional credit lines take time – and a deep dive into corporate finances.
The BILL 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). BILL 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.
Superior Expense Management Software
In addition to granting customers a strong credit line, BILL shines in allowing business owners to manage expenses and budgeting in an easy, streamlined format. Along with spending notifications, instant categorization, and a two-step review process, you can take advantage of easy dispute resolution, report drilldowns, and simple reimbursements.
All of the data is stored and accessible in one place, so BILL essentially becomes an end-to-end spend management platform that truly allows you to take control of your business finances – and at no cost, with no contracts. With BILL’s accounting integrations, including reporting and insights, you can focus on the management of your clients, making life easier – no matter what the size of your business.
Scalable Credit and Enforceable Spending
Another advantage BILL offers is scalable credit lines. Companies can anticipate credit limit increases as their cash reserves grow through seamless integration with BILL expense management software.
Because the card operates through the expense management software, system administrators can issue multiple employee cards (including unlimited virtual cards) and then set strict spending limits per employee and card.
| BILL's Simple & Powerful Expense Management Tools | ||
| View expenses in real time | Automatically categorize transactions | Review Expenses |
| Seamless integrations with accounting software | Protect Yourself from Fraud | Easily reimburse employees |
How to Earn Rewards with BILL Spend & Expense
Products like the BILL Divvy Card tend to provide varying rewards based on specific criteria. For BILL, that measure is how often a business pays off its balance.
Companies earn rewards based on their repayment schedule, with shorter payment cycles returning greater rewards:
| 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 BILL is straightforward. Rewards points are redeemable for BILL Travel (powered by TravelPerk), statement credits, gift cards, or cash back.
FAQs About BILL Divvy
Here are some answers to commonly asked questions about Divvy and the Divvy Card:
- The BILL Divvy Card is a charge card for businesses. A charge card differs from a regular credit card in that the entire balance must be repaid every month.
- The BILL Divvy Card is issued through Cross River Bank, Member FDIC.
- Because BILL Divvy is technically a charge card, the lender looks at a company’s business bank deposits instead of a credit score.
- BILL is tested on a number of devices and browsers, including:
iOS 10 and newer
Android 5.0.1 and newer
- Businesses and cardholders can contact BILL customer service representatives here.
Business Card Comparison
 BILL Divvy Corporate Card |
 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 |
Card and Program Availability
The BILL Divvy Corporate Card is available in all 50 U.S. states and the District of Columbia.
BILL Divvy Card Ratings
How does the BILL Divvy Card stack up? Here are a selection of expert reviews for the card:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
N/A |
4/5 |
Should You Apply for the BILL Divvy Corporate Card?
Corporate cards are a unique subset of business credit cards that offer greater versatility for larger companies. Within this market, the BILL Divvy Card is an enticing offer.
The BILL Divvy Corporate Card compares favorably with other options (most notably the Brex Card) but lacks some of the transparency that comes from other cards in the same market, like the Ink Business Unlimited or Amex Business Platinum Cards. Fortunately, BILL offers a hands-on approach through a dedicated customer service team.
Overall, the BILL Divvy Corporate Card ticks many of the critical boxes for a corporate business card. There are impressive rewards, scalable credit lines, and integration with management software. The lack of a personal guarantee is another great feature – as is the promise of no hidden fees.
