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BILL Divvy Corporate Card review: Regular payoffs pay off

This is an impressive business rewards card if you can pay your bill multiple times each month.

 /  13 min
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Snapshot

4.1

Bankrate rating
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Rating: 4.1 stars out of 5

Bottom line

If you can pay off your bill in full each week, the BILL Divvy Corporate Card could be one of the most rewarding business cards out there. But if you can only manage a monthly payoff, the card’s appeal may be limited to its budgeting tools and rotating discounts.

Best for expense management tools

Recommended credit score:(670 - 850)
Apply nowLock

on BILL Spend & Expense's secure site

Intro offer

N/A

Rewards Rate

1X - 2X

Annual fee

$0

Regular APR

N/A

4.1
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Bankrate Score

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BILL Divvy Corporate Card Overview

The Divvy Corporate Card’s unique rewards program could make it one of the best business credit cards available. But you must pay your balance in full each week or semimonthly to get the optimum benefit. 

Small-business owners who stay on top of their balances can enjoy no annual fee, impressive rewards rates and several practical perks that make tracking spending and budgeting a cinch.

That said, this charge card's rewards rates will fall short if you only pay your bill once a month, and Divvy point values for non-travel redemptions are low. If you can consistently pay off your bill weekly, take advantage of the card’s bonus categories and only redeem for travel, the Divvy Corporate card could hold impressive value.  

  • Credit Card Cash Back Icon

    Rewards

    • 2X-7X on restaurants
    • 2X-5X on hotels
    • 1.5X-2X on recurring software subscriptions
    • 1X-1.5X on all other purchases
    • Rewards rates based on how often you pay off your bill

    Expert Appraisal: Exceptional 
    See our expert analysis

  • Welcome offer

    • None 

    Expert Appraisal: Weak
    See our expert analysis

  • Credit Card Search Icon
    Rates and fees
    • Annual fee: $0
    • Regular APR: N/A (charge card)

    Expert Appraisal: Good
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Access to Divvy's budget management software
    • Discounts and special offers with various corporate partners
    • Up to 2.25% cash back on advertising spend through Divvy

    Expert Appraisal: Good
    See our expert analysis

BILL Divvy Corporate Card card pros and cons

Pros

  • Checkmark Icon

    You can enjoy terrific rewards potential if you pay off your bill more than once per month.

  • Checkmark Icon

    You don’t have to offset an annual fee with rewards.

  • Checkmark Icon

    With no hard credit inquiry required, your credit score won't be impacted when you apply.

  • Checkmark Icon

    Your business can take advantage of Divvy's integrated expense management tools.

  • Checkmark Icon

    The card offers a wide range of potential credit limits based on the size of your business.

Cons

  • The card carries lackluster rewards if you only pay off your bill once a month.

  • Since it's a charge card, you must pay off your balance in full each month.

  • The card offers no sign-up bonus, limiting its short-term appeal.

  • Point value for non-travel redemptions is lower than on similar cards.

Why you might want the Divvy Corporate card

This card's top highlight is its rewards structure. As long as you pay off your balance frequently, you can earn robust rewards in several popular categories. The card’s valuable perks and minimal fees also make it an all-around attractive option for your small business.

Rewards: Generous bonus rates

The Divvy card's rewards program is unique: Rewards rates shift based on your payoff schedule. This could mean major rewards for small-business owners who can keep up with multiple payoffs each month.

Payment schedule Restaurants Hotels Software subscriptions General purchases 
Weekly  7X 5X 2X 1.5X
Semi-monthly 4X 3X 1.75X 1X
Monthly 2X 2X 1.5X 1X

By paying your bill in full every week, you can earn 7 points per dollar on restaurant spending, 5 points per dollar on hotels, 2 points per dollar on recurring software subscriptions and 1.5 points per dollar on all other purchases. These rates are hard to match, beating out what you’ll find on many of the best no-annual-fee business cards.

Even on cards with an annual fee, 7 points per dollar at restaurants is almost unheard-of. For example, The Hilton Honors American Express Business Card offers just 5 points per dollar on all purchases on the first $100,000 each calendar year (then 3x points thereafter) at a $195 annual fee. If you spend heavily on dining and hotels, you can easily stockpile a lot of rewards by sticking to a weekly payment schedule. 

The card also stands out by offering more than 1 point per dollar back on general purchases — rare among business rewards cards. Competing cards typically earn either a flat rewards rate of 1.5 or 2 points per dollar (with no bonus categories) or higher rates in bonus categories and a base rate of just 1 point per dollar. Offering 1.5 points per dollar on general purchases in addition to bonus categories makes the Divvy Corporate Card a solid standalone rewards option.

If you make semi-monthly payments instead of weekly payments, the rewards are still impressive. But only paying your Divvy Corporate Card off once per month won’t get you much rewards value, dropping your restaurant and hotel rewards rate to just 2X points. Several flat-rate business rewards cards earn 2 percent back on all purchases, not just on restaurant and hotel spending. The Blue Business® Plus Credit Card from American Express, for example, charges no annual fee, offers 2 points per dollar on up to $50,000 in purchases per year (1 point per dollar after that. Terms and limitations apply.) and earns more valuable and flexible Membership Rewards points.

Overall, the Divvy Corporate Card offers terrific rewards potential if you can pay your bill weekly or semimonthly. But if you can only manage a monthly payment schedule, you may want to consider a card that offers simpler, more consistent rewards.

Rates and fees: Minimal fees and high credit limit potential

The Divvy Corporate card charges no annual fee, so you can earn rewards without wondering whether you’ll earn enough to offset a yearly cost. And since it's a charge card and requires you to pay your balance in full each month, there's no ongoing or penalty APR to worry about. 

On top of that, the card offers various potential credit lines based on the size of your business, with credit lines as high as $15 million.

However, keeping a balance on the card will incur hefty late fees and you may not be eligible to earn rewards. 

Perks: Valuable discounts and budget tracking tools

While lacking in premium perks like airport lounge access, the Divvy Corporate Card boasts a respectable list of business-centric perks and discounts. These practical benefits, like free resources to track and allocate employee spending, could be a big help when it comes to day-to-day business operations.

For instance, the card automatically integrates with Divvy expense management software, allowing you to quickly see purchases and set individual spending limits for each employee’s card. This makes it easy to create unique budgets based on each employee’s expenses and duties.

All employee cards come at no additional cost, and you can create an unlimited number of virtual cards for online use. You can even make a limited-time “burner” card that expires after a few days or unique virtual cards for specific recurring purchases, such as digital advertising or utilities.

If employees need extra funds, they can request them through the Divvy app and have their limit increased immediately upon approval. Employees can also submit for reimbursement right away by uploading their receipts through the Divvy mobile app.

Along with its ongoing rewards, the Divvy Corporate Card may offer other limited-time discounts, historically including credits for services like digital advertising, printing, ride sharing, food delivery and more. Additionally, you also don't have to stress about a hard credit check when you apply. Instead, Divvy will perform a soft inquiry of the business and the authorized signer’s credit, which has no impact on your credit score. And unlike nearly all other business credit cards, the Divvy Corporate Card does not require a personal guarantee; you won’t have to serve as a co-signer on the card account and be liable for the debts your small business incurs. 

Why you might want a different business card

You may be able to rack up the points with this card, but your redemption options are limited. Another business card might be a better option if you’re looking for more flexibility and first-year value.

Redemption: Limited value beyond travel

Your Divvy Corporate card redemption options remain the same no matter your payment schedule. While the list offers decent variety, it has some drawbacks. 

You can't transfer your points to partner airline or hotel loyalty programs, for example. Several travel-centric business cards from issuers like American Express and Chase let you transfer your rewards and potentially squeeze extra value out of them (though these cards typically charge an annual fee).

You’ll also have to wait until you've had the card for 12 months and accumulated at least 5,000 points before you can start redeeming your points. And missing a payment or not using your card at 30 percent of your credit line per month can mean that you lose your rewards points.

However, the card's biggest drawback is perhaps its limited redemption value. According to the issuer, your points could be worth as little as 0.49 apiece — less than half the standard 1-cent-per-point redemption value you’ll get on many rewards cards. You’ll fare best if you stick to travel redemptions, as Divvy points are worth:

  • 1 cent per point when redeemed for travel directly with Divvy
  • 0.52 cents per point when redeemed for cash back
  • 0.51 cents per point when redeemed for gift cards
  • 0.49 cents per point when redeemed for a statement credit

A 1-cent-per-point value for travel redemptions is solid, but the steep drop-off you’ll find for other redemptions is a clear downside. While many travel-centric rewards cards offer lower value for non-travel redemptions, 0.51 cents per point is especially low.

Even if you’re planning to redeem rewards for travel, competing business cards may offer greater rewards value. Not only do many business travel cards let you transfer rewards to airline or hotel loyalty programs to potentially boost the value of your rewards, but some, like the Ink Business Preferred® Credit Card, offer a bonus rate when you redeem through the issuer’s travel portal.

Welcome offer: No bonus means limited short-term value

Unlike many business rewards cards, the Divvy Corporate card does not offer a sign-up bonus. Several competing cards — including many with no annual fee — give new cardholders a chance to earn hundreds or even thousands of dollars’ worth of cash back, points or miles when they meet a spending threshold within a set timeframe. 

While sign-up bonuses shouldn’t necessarily be the deciding factor when you’re evaluating rewards card options, the value they offer can’t be ignored.

How the Divvy Corporate Card compares to other business cards

If you can't make the most of the Divvy Corporate card's rewards by paying weekly or semimonthly, then you should consider a card with a simpler rewards program.

Image of BILL Divvy Corporate Card
Bankrate Score
Apply now Lock Icon
on BILL Spend & Expense's secure site

Annual fee

$0

Intro offer

N/A

Rewards rate

1X - 2X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One Spark Cash Plus
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Capital One's secure site

Annual fee

$150

Intro offer

$2,000 cash back
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Rewards rate

2% - 5%
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Recommended Credit Score

Excellent (740 – 850)
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Image of Brex Card

Brex Card

Annual fee

$0

Intro offer

50,000 points
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Rewards rate

1X - 7X
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Recommended Credit Score

No Credit History
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Best cards to pair with the Divvy Corporate card

Since the Divvy Corporate card doesn’t allow you to carry a balance, it might be helpful to pair it with a business card that offers a 0 percent introductory APR if you plan on financing a large purchase.

Who is the Divvy Corporate card right for?

Bankrate’s Take — Is the Divvy Corporate card worth it?

If you don’t mind paying off your bill multiple times per month (ideally weekly), then the Divvy Corporate card could be a terrific way to earn rewards on some of your everyday business expenses. However, weekly bill payments may be too much for the average small-business owner to keep up with, in which case the Divvy Corporate Card’s rewards rates will likely fall flat.

How we rated this card

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50+
cards rated
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700+
data points considered
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10
spending categories analyzed
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40+
perks evaluated

Our proprietary card rating system takes into account a mix of factors when scoring business credit cards, including each card’s rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more.

We analyzed over 50 of the most popular business credit cards and scored each based on how its key features stacked up compared to those of other cards in its category.

Here are some of the key factors that gave this card its score:

Frequently asked questions

What cardholders think

Image of BILL Divvy Corporate Card

BILL Divvy Corporate Card

4.1 Star Icon
45 ratings
Info Icon
Score breakdown
5 stars
51%
4 stars
27%
3 stars
9%
2 stars
9%
1 star
4%
Score by category
Overall 4.1 / 5
Extra perks 4.4 / 5
Privacy and security 4.2 / 5
Customer service 4.1 / 5
Online portal or mobile app 4.0 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore BILL Divvy Corporate Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I have a nice experience with them
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was the best referred from other business like’ ours
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I love getting the free hotel room and food that come with it.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card because of it great customer services
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It was ok
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Great experience with the company
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Rewars
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I wanted to try something new an different
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It’s a wonderful
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
ive had a pretty good experience with them so far
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I earned significant points using my business card that I was able book a trip using solely points. The trip was amazing and I didn't have to come out of pocket except with minor things.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It’s really good
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I was able to take a vacation and really unwind from all the benefits included
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I love everything about this idea and so much more for now.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
nice business to work with
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Good details
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I can use it on simple things such as gas or here and there snacks
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Free and it's unique
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
The only way I could be a better player than him was by signing a contract extension and not getting paid a million bucks
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
very good
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
This type of card meets my needs and guarantees me complete 💯 satisfaction.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Its awesome to own stuff!
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is relevant to me and friends needs in banking.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It’s very good and nic e
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because the interest fee and the percentage of for how much do you got to spend to get free money is overdoing the charge that they say that is $10 a month it actually ends up being $25 a month
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Rewards
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 1 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
This card give me specific perks as I progress my credit
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was great
Score by category
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I got something I wanted cheap!
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
My experience was a good experience and all my dreams came true
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Business is everyday of my life. So yes, I use this quite often for business. They offer some pretty decent perks as well.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The first one is the first one is the first one is the
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It’s a more hard card to obtains but it’s a great overall card
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It's good
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It’s an okay card but needs some things worked out for a better score.
Score by category
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I own it
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I wouldn’t the app is not good it’s really laggy and won’t load and people are really rude over all I would not recommend well not to anyone without patience
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I usually pay my rent using this card
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 2 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It’s a good credit score for the price of what your paying with the brand
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I wouldn’t know what chart card to use whichever purchase I can make from off of it.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Because I get cash back, when used.
Score by category
Extra perks 5 / 5
Online portal or mobile app 2 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes
Score by category
Extra perks 5 / 5
Online portal or mobile app 2 / 5
Customer service 2 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I’ve never used it
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It was good. It helped me build my credit and access my money easily.
Score by category
Extra perks 5 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 5 / 5

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.