Divvy Credit Card

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Last updated on July 19th, 2022

Divvy Credit Card

Divvy Credit Card

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
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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 spend management

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 points on restaurants
    • 5X on hotels
    • 2X on recurring software subscriptions
    • 1.5X on everything else
  • Semi-Monthly Payments:
    • 4X points on restaurants
    • 3X on hotels
    • 1.75X on recurring software subscriptions
    • 1X on everything else
  • Monthly Payments:
    • 2X points on restaurants
    • 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

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:


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 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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