BILL Divvy Corporate Card

What Is BILL Spend & Expense? BILL Spend & Expense 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 the Work? BILL Spend… Continue

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BILL Divvy Corporate Card
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Great for Managing Expenses

BILL Divvy Corporate Card
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.


  • BILL Spend & Expense streamlines spend management by combining corporate cards with free expense management software
  • The BILL Divvy Corporate Card offers up to 7x rewards points, plus physical and virtual cards for every employee—with no fees and no contracts
  • BILL Spend & Expense gives admins complete control over employee spending with enforceable budgets (that can be adjusted in seconds)
  • On BILL's Spend & Expense mobile app or desktop platform, you’ll see every transaction as it happens, bringing all your spend into one place
  • BILL Divvy Corporate Card is truly no cost; stop spending extra for annual fees, expense management software, and vendor overages
  • With BILL Spend & Expense, 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 BILL Spend & Expense?

BILL Spend & Expense 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 the BILL Divvy Corporate Card Work?

BILL Spend & Expense offers a credit line to businesses, as well as a BILL Divvy Corporate 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 BILL Divvy Corporate Card, you get 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.

There’s a feature for business travelers and includes all the tools you need to book and manage travel and travel expenses.

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

Pros and Cons of the BILL Divvy Corporate Card

If you’re considering the BILL Divvy Corporate Card or other features, here’s what you should consider first.


BILL Spend & Expense reviews are overwhelmingly positive, with customers commenting on how easy it is to manage business expenses. 

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

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

BILL Spend & Expense 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 the company.

One of the biggest benefits of working with this financing company is its many budgeting and spending tools. You can connect BILL Spend & Expense 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 BILL Spend & Expense’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 the BILL Divvy Corporate Card Compare?

It’s difficult to compare the BILL Divvy Corporate Card to business credit cards in terms of interest rates, though it 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 BILL Divvy Corporate 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 the BILL Divvy Corporate Card.

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, the BILL Divvy Corporate Card 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 BILL Spend & Expense provides.

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Known as a financing and credit expert, Gerri Detweiler has been interviewed in more than 4000 news stories, and answered over 10,000 credit and lending questions online. Her articles have been widely syndicated on sites such as MSN, Forbes, and MarketWatch. She is the author or coauthor of five books, including Finance Your Own Business: Get on the Financing Fast Track. She has testified before Congress on consumer credit legislation.