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BILL Divvy Corporate Card

Cory Santos

| Last updated on September 7th, 2023

BILL Divvy Corporate Card

BILL Divvy Corporate Card
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Visa Processing Network
None Annual Fee

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:

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.

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