Divvy Credit Card

Advertiser Disclosure Editorial Disclosure

Last updated on February 3rd, 2023

Divvy Credit Card

Spend Management and Business Cards Made Simple

Divvy Credit Card
  • 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.
    Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Deals and Discounts

At a Glance

The Divvy Card is a corporate 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.

Ideal for Those Who:

  • Struggle with expense reports, reimbursements, and receipts
  • Are looking for a card without interest rates or fees
  • Want a corporate card that offers enforceable employee spending limits
  • Want unlimited virtual cards
  • Spend heavily on travel, dining, and software

Divvy Card Review

The Divvy Corporate Business Card is a corporate credit card that promises no fees, scalable credit lines, enforceable budgets, and more. The card is issued through fintech startup, Divvy, and Cross River Bank, and 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.

No Personal Guaranteed Requirement

In most cases, the Divvy Card does not require a personal guarantee to open. A personal guarantee is a standard feature for business credit cards and makes an applicant accept personal liability for the company’s debts. Because the Divvy Card removes this security requirement, business owners can feel safe knowing that opening a credit line through Divvy and Cross River Bank will not tie their business’ losses to their own credit. However, as mentioned, Divvy does not require a personal guarantee in most situations. There may be certain cases in which applicants will need to provide one.

East, 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 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.

Superior Expense Management Software

In addition to granting customers a strong credit line, 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 of 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. With Divvy’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 Divvy  offers is scalable credit lines. Companies can anticipate credit limit increases as their cash reserves grow through seamless integration with Divvy 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.

Divvy’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

Cards like the Divvy Card tend to provide varying rewards based on specific criteria. For Divvy, 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 Divvy is straightforward. Rewards points are redeemable for Divvy Travel (powered by TravelPerk), statement credits, gift cards, or cash back

FAQs About Divvy Card

Here are some answers to commonly asked questions about Divvy and the Divvy Card:

  • The 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.
  • Divvy Card and Divvy Credit are issued through Cross River Bank, Member FDIC. 
  • Because Divvy is a charge card, the lender looks at a company’s business bank deposits instead of a credit score.
  • Divvy 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 Divvy customer service representatives at 1-855-55-DIVVY

Business Card Comparison

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

Divvy Card Ratings

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

Should You Apply for the Divvy Card?

Corporate cards are a unique subset of business credit cards that offer greater versatility for larger companies. Within this market, the Divvy Card is an enticing offer.

The Divvy Corporate Business 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, Divvy offers a hands-on approach through a dedicated customer service team.

Overall, the Divvy 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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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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