Divvy Credit Builder

Advertiser Disclosure Editorial Disclosure

Last updated on September 9th, 2022

Divvy Credit Builder

Build Business Credit

Divvy Credit Builder
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Easy online application – can be completed in a few easy steps
  • Earn Divvy Rewards and control your earnings based on your payoff schedule
  • Track spend in real time from anywhere
  • Issue secure virtual cards that are tied to your account and protected against fraud and overspending
  • Save hours of accounting work with Divvy's card-plus-software integrations
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
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At a Glance

The Divvy Credit Builder program consists of a prepaid small business card that lets companies build credit and earn rewards simultaneously. Accountholders can eventually graduate to an unsecured Divvy Credit Card with on-time payments and responsible use – all with no hidden fees.

Ideal for Those Who:

  • Have a new business but do not qualify for an unsecured business line of credit
  • Don’t want to use their personal credit for their company
  • Want to earn rewards on your business spend while building credit
  • Don’t want to pay any hidden fees

Divvy Credit Builder Review

Divvy Credit Builder is a program designed to provide businesses with easy-to-use expense management software, business rewards, and the opportunity to work towards a business line of credit. The program is a prepaid credit builder prepaid that helps in this process through regular reporting to the major business credit bureaus.

Build Business Credit

Divvy Credit Builder is designed for helping companies work towards better credit – and access to business lines of credit. This process involves a prepaid debit account, which companies can use to make payments for business expenses.

Business purchases with Divvy Credit Builder are regularly reputed to the major business credit bureaus – D&B and SBFE. Making on-time payments is the largest influencer of a business’ credit score, allowing Credit Builder Cardholders to establish a strong credit history – and potentially work their way up to an unsecured credit line with Divvy.

How to Load/Reload Divvy Credit Builder

Because Divvy Credit Builder includes a prepaid card, it requires loading and reloading with purchases. The Credit Builder account can be funded via wire or ACH transfer, or directly via the payment portal on the accountholder’s Divvy Dashboard. New accounts may have a four-day hold on loading funds through the Divvy Dashboard.

The card account features no minimum balance requirement, which is a great feature. Most secured business credit cards require a minimum deposit, which may price smaller companies out of credit builder, but not so with Divvy..

divvy rewards

Earn Rewards

The Divvy Credit Builder program earns rewards in the same way as the unsecured Divvy Card. Companies earn rewards based on their repayment schedule, with shorter payment cycles returning greater rewards:

Weekly Payments:

  • 7X points on restaurants
  • 5X on hotels
  • 2X on recurring software subscriptions
  • 5X on everything else

Semi-Monthly Payments:

  • 4X points on restaurants
  • 3X on hotels
  • 75X on recurring software subscriptions
  • 1X on everything else

Monthly Payments:

  • 2X points on restaurants
  • 2X on hotels
  • 5X on recurring software subscriptions
  • 1X on everything else

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

Seamless Software Integration

Divvy’s Credit Builder also enjoys the same software integrations as the regular Divvy Card. Divvy 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 the data is stored and accessible in one place, so Divvy 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.

Other Card Features

Other notable features of this prepaid card include:

  • No interest rates or annual fees
  • No contract, no obligations
  • Unlimited virtual cards for employees
  • Divvy mobile app access

Card and Program Availability

The Divvy Card and Divvy Credit Builder are both available in all 50 U.S. states and the District of Columbia.

Frequently Asked Questions (FAQs) About Divvy Credit Builder

Here are some of the most frequently asked questions about the Divvy Credit Builder program – as well as the answers:

Per Divvy, the standard Divvy program includes a line of credit where the full balance must be paid on the payment due date. (No float is included in this program.)

The Credit Builder program is for businesses who did not qualify for a line of credit. This is a program that allows businesses to make payments to Divvy in a way to preload their account and then spend. By using Divvy to spend, Credit Builder participants still receive Divvy rewards and can use the software to manage all of their spending and expenses.


Divvy’s goal is to approve customers for the line of credit they need to grow their business. Once you complete our online application, our underwriting team goes to work to approve you for a line of credit. If we can’t approve you for a line of credit at that time, you may still qualify for our Credit Builder program. This allows you to prepay your credit while building your business credit score for a future line of credit.

Your Credit Builder account can be funded via wire or ACH transfer, or directly via the payment portal on your Divvy Dashboard (this may be subject to a 4-day hold). Customer Support can assist with details.

Credit Builder reports your payments to D&B and SBFE.

No. Divvy Credit Builder is only reporting activity that may impact your business credit, so need to worry.

Divvy Card Ratings

How does the Divvy Card stack up? Here are a selection of expert reviews for the card:


BBB Rating



User Rating


User Testimonials

What is the Divvy Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

JacobyTrustRadius Review
Read More
Divvy is an awesome tool that is designed to help your company with tools to better manage the spending that is occurring at your company. Divvy has designed very colorful and very friendly software that is easy to use. With Divvy you have the ability to create spending budgets for departments or users. You can create custom digital credit cards that can be programmed to only work with a specific vendor and for a specific amount, which helps reduce any potential fraud that may occur. Also these cards can be easily deleted, and you will never be charged again for the product. Divvy does integrate with QuickBooks.

Should You Apply for the Divvy Credit Builder Program?

Divvy’s Credit Builder offers a unique approach to secured business cards. It requires no minimum deposits, no impact on your personal credit score, and the chance to graduate to an unsecured line of credit with Divvy – one of the most dynamic names in business credit.

Divvy’s refreshing approach to business credit includes lucrative rewards, streamlined business management and accounting tools, and no hidden fees of any kind. The Credit Builder acts as an entry into this world of business credit, with all the same features but none of the credit requirements.

Overall, this offer ticks many critical boxes for those looking for a card who also have little or no business credit. There are impressive rewards, the potential for future credit lines, and integration with management software.

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Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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