Divvy Smart Credit Card for Business

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What is Divvy? Divvy is a spend and expense management platform for businesses with the added benefit of a business credit card. The company provides funds for small businesses as well as tools to manage spending and budgets. How Does a Divvy Credit Card for Business Work? Divvy offers a… Continue

Divvy Smart Credit Card for Business
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Great for Managing Expenses

Divvy Smart Credit Card for Business
Intro APR N/A
Annual Fee $0

Rates and Fees

Intro APR N/A
Purchase APR All charges made on this charge card are due and payable when you receive your periodic statement
Annual Fee $0
Welcome Offer N/A
Rewards Rate Up to 7% points, based on payment settings.


  • Divvy streamlines spend management by combining corporate cards with free expense management software
  • The Divvy smart card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts
  • Divvy gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds)
  • On Divvy’s mobile app or desktop platform, you’ll see every transaction as it happens, bringing all your spend into one place
  • Divvy is truly no cost; stop spending extra for annual fees, expense management software, and vendor overages
  • With Divvy, you’ll eliminate expense reports, build your business credit, and never go over budget again

Nav's Verdict

Bottom Line A great option for businesses trying to manage expenses both easily and cheaply. This card requires you to pay off your balance in full each month.

What is Divvy?

Divvy is a spend and expense management platform for businesses with the added benefit of a business credit card. The company provides funds for small businesses as well as tools to manage spending and budgets.

How Does a Divvy Credit Card for Business Work?

Divvy offers a credit line to businesses, as well as a Divvy card for any employee who needs access to the funds. With those funds, you can set up budgets for spending so that employees never go over what you’re willing to spend on a given expense category.

You can have physical cards for employees or virtual ones, and there’s a mobile app you can use to view and manage expenses.

Your company can use your line of credit for any business-related expenses, from rent to office supplies. You’ll have the opportunity to make monthly payments or pay off your balance in full.

In addition to the Smart Credit Card, Divvy offers some other unique features. Its expense management tools let you instantly review and categorize business expenses and set enforceable budgets on different categories. You can also reimburse employees for out-of-pocket expenses they’ve covered.

Divvy Travel is a feature for business travelers and includes all the tools you need to book and manage travel and travel expenses.

Additionally, Divvy has a Bill Pay feature that simplifies paying your company’s invoices digitally.

Pros and Cons of Divvy Credit Cards

If you’re considering the Divvy credit card or other features, here’s what you should consider first.


Divvy reviews are overwhelmingly positive, with Divvy customers commenting on how easy it is to manage business expenses. 

And the Divvy app has good reviews too. While there have been a few complaints about the sluggishness of the app, Divvy customer service has been quick to respond and take action on issues reviewers mentioned.

Another perk is the fact that you can order a Divvy card for yourself and other employees, or you can get virtual cards to use online. 

Divvy can help you build business credit, since it reports your activity to the Small Business Financial Exchange (SBFE®). Also, if you have bad credit, you may still qualify for financing through Divvy.

One of the biggest benefits of working with this financing company is its many budgeting and spending tools. You can connect Divvy to your accounting software and streamline managing your finances. You can easily view expense reports and transactions as well as set budgets for expenses.


The major drawback is that Divvy’s site doesn’t list interest rate fees, so you may not know what you’d pay until you get approved. Nor does the site mention the credit score or other qualifications you need for approval.

(Learn how to establish business credit so you qualify for the best rates!)

How Does a Divvy Credit Card for Business Compare?

It’s difficult to compare the Divvy credit card to business credit cards in terms of interest rates, though Divvy does say it doesn’t charge any fees.

The main way this corporate card stands out is with its many expense and budgeting tools that can give your company better insight into where you’re spending your money, help you set controls so employees don’t overspend, and allow you to manage business travel from one central hub.

Who Should Use the Divvy Smart Credit Card for Business?

If you’re looking for access to cash and have strong credit, you might consider other small business loans, since they put cash in your bank account and likely offer better rates than a credit card like Divvy’s.

But on the other hand, if your company wants an easy way to make purchases, whether that’s online or in a store, and if you have more than one employee who is authorized to charge expenses for your company, Divvy may be a great solution.

Also, if you could use a little help setting budgets and managing expenses, you’ll love those additional features that Divvy provides.

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About Author

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Susan Guillory is an intuitive business coach and content magic maker. She’s written several business books and has been published on sites including Forbes, AllBusiness, and SoFi. She writes about business and personal credit, financial strategies, loans, and credit cards.

The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.