Bill Spend & Expense (Divvy) Corporate Card
Built around budget enforcement: set a spending limit per department or project and cards decline automatically once it's hit, which is unusual among rewards-focused competitors on this list.
Bill Spend & Expense (Divvy) Corporate Card at a glance
Issued by BILL. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR when paid on the standard billing cycle (charge card)
- Foreign transaction fee
- None
Rewards
Up to 7x points on restaurants, 5x on hotels/rental cars, 1x on everything else (tiers vary by payment timing)
Bill Spend & Expense (Divvy) Corporate Card's annual fee vs. the cheapest and priciest cards on the marketplace
Bill Spend & Expense (Divvy) Corporate Card vs. similar Startups & high limit
| Criterion | Bill Spend & Expense (Divvy) Corporate Card | Spark Cash Plus | Brex Card for Startups |
|---|---|---|---|
| Annual fee | $0 | $150 (waived first year) | $0 |
| Regular APR | No APR when paid on the standard billing cycle (charge card) | Pay in full (charge card) | No APR — balance paid in full daily/monthly (charge card) |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
Bill Spend & Expense (Divvy) Corporate Card charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Granular per-team/project budget controls
- +No card fees
- +Strong rewards on travel/dining tiers for businesses that pay promptly
Cons
- −Best rewards tiers require paying down the balance faster than the standard cycle
- −Approval and limit depend on business financials on file
Bill Spend & Expense (Divvy) Corporate Card has no annual fee, requires good/excellent credit, and carries a No APR when paid on the standard billing cycle (charge card) regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses that want budgeting controls (department/project budgets) built into the card
We don't have a partnership with BILL — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.