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BILL Divvy Corporate Card Review: Spending Controls and Potential for Big Business Rewards

Last updated on September 8, 2023
Edited byRyan Lane
Fact checked and reviewed

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Our Take

The bottom line:

The potential for big rewards make the BILL Divvy Corporate Card an intriguing option for businesses with consistent spend, but you’ll find fewer restrictions with other business cards.

BILL Divvy Corporate Card

Annual fee
Regular APR
Intro APR
Apply now

on BILL Spend & Expense's website

Pros & Cons


  • No annual fee
  • Card-level spending controls


  • Complicated rewards structure with limits on redemption
  • Balance must be paid in full each billing cycle

Full Review

Note: Divvy was acquired by and officially rebranded the Divvy corporate card and expense management platform in September 2023.
BILL Divvy Corporate Card
boasts a flashy rewards rate — up to 7x points on restaurants and 5x points on hotels — but the real draw of this is the spend management platform it’s linked to.
Business owners can set and adjust budgets for each employee card and get a bird’s-eye view of company spending via the card's web and mobile app. You can also attach receipts to individual expenses and automatically categorize spending on specific cards, streamlining expense reports and bookkeeping. 
Few business cards match these tools.
BILL Divvy Corporate Card
's rewards are a different story. 

🤓 Nerdy Tip

The BILL Divvy Corporate Card has direct integration with and plays nicely with other popular .
BILL Divvy Corporate Card
reserves its best rewards for businesses on a weekly billing cycle. And you need to spend at least 30% of your credit line in a given month to even earn rewards. You can also lose all accrued rewards if you don’t use your card in a given month.  
Because of that, the
BILL Divvy Corporate Card
works best when it's your primary business credit card, and it's best suited for businesses with consistent spending and cash flow. Even then, the rewards you earn don’t go as far as the rewards offered by other .

Key features

Card type: .
Annual fee: $0
Recommended credit score: Good to excellent.
Sign-up bonus: None.
Rewards: Base rate of 1 point per dollar spent (1.5 points with weekly payments). Rewards multipliers apply to the first $5,000 in spending per month and apply to the following categories:
  • Up to 7x at restaurants.
  • Up to 5x at hotels.
  • Up to 2x on recurring software subscriptions. 
Rewards rate depends on your billing cycle: monthly, semi-monthly or weekly. Other terms apply. 
Foreign transaction fee: None.
Other benefits:
  • Free, unlimited employee cards (virtual and physical).
  • Expense management tools.
  • Spending insights and forecasting.

BILL Divvy Corporate Card
rewards work

BILL Divvy Corporate Card
has a unique rewards structure, with several spending requirements and other restrictions attached.
Earning rewards: To earn rewards, you need to spend at least 30% of your credit limit in a given month. Cardholders earn a base rate — 1 to 1.5 points per dollar — and can earn up to 7x points in certain bonus categories, but only on the first $5,000 spent each month. Both the base and bonus rates depend on your billing cycle: monthly, semi-monthly or weekly.
Weekly billing cycle
Semi-monthly billing cycle
Monthly billing cycle
Recurring software subscriptions
Everything else
Consistent spending is important for your
BILL Divvy Corporate Card
rewards. Spend $0 in one month and you lose all accrued rewards. You also forfeit your points if you miss a payment, close your account within the first year or spend less than $5,000 in each of the last three months of your first year.
Redeeming rewards: You can accrue points during the first year, but you can’t redeem them until you hit the 12-month mark. After that, you can redeem at any point, but the minimum redemption is 5,000 points. Points can be cashed in for statement credits, gift cards, cash back or travel reimbursements (if booked through a travel partner using your
BILL Divvy Corporate Card
Here’s what 10,000 points are worth, according to Bill:
  • Travel: $100 (booked through a Bill travel partner).
  • Cash back: $52.
  • Gift card: $51.
  • Statement credit: $49.
For comparison, 10,000 earned with the are worth $125 in travel (booked through the Chase portal) and up to $260 when redeemed through transfer partners.

Why you might want the
BILL Divvy Corporate Card

Spending controls and insights
At its core, Bill is a spending and expense management platform. The Bill card connects to that platform, giving account holders added control over employee spending. While other corporate cards offer spending controls, this level of integration is unique to Bill and can give business owners added insight into and control over employee spending patterns.

Why you might want a different card

Complicated rewards program
BILL Divvy Corporate Card
's rewards program is underwhelming and unnecessarily complicated. The base rate — 1 to 1.5 points per dollar — is the minimum you’d expect from a rewards card. While “multiplier” categories add value, you need to be on a weekly payment schedule to get the biggest boost. Plus, multiplier bonuses only apply to the first $5,000 spent each month. 
But all of that is moot if you don’t spend enough to earn rewards in the first place. Bill corporate card holders only earn rewards if they use at least 30% of their credit limit in a given month. And while you can accrue points right away, you can’t use them until you’ve had the card for 12 months. Unlike other business cards, you can lose your rewards if you miss a payment or don’t use your card.
The is a solid alternative for business owners who prefer a simpler rewards structure. This corporate card earns
% cash back on all purchases, with no caps, limits or redemption restrictions — and no risk of losing the rewards you earn.
Limited travel perks
BILL Divvy Corporate Card
gives a hint of travel rewards, with up to 5x points on hotels and up to 7x points on restaurants on the first $5,000 spent per month. But frequent flyers and road warriors can net higher rewards and more valuable perks with a true .
For instance, the
Ink Business Preferred® Credit Card
earns 3x points on all travel spending, as well as shipping, telecom services and qualified advertising spending. While there is a cap on eligible spending, at $150,000 per year, it’s miles higher than the monthly limit imposed by Bill. 
The Ink Business Preferred does have an annual fee ($
), but it is easily offset by the welcome bonus:
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
It’s a charge card
You can’t carry a balance on the
BILL Divvy Corporate Card
(and if you miss a payment, you forfeit your rewards). That model is fine for businesses with consistent spending and cash flow, but it’s less than ideal for many startups and companies with irregular cash flow.
Business owners who want more flexibility can look to , which offers 2% cash back on all purchases (up to $50,000 per year) and has a , ideal for new businesses or those that need to finance large purchases. Terms apply.

Should you get the
BILL Divvy Corporate Card

Businesses with consistent spending and the cash flow to support weekly payments can earn top-tier rewards on hotels and restaurants with the
BILL Divvy Corporate Card
. But if you need more payment flexibility, or have irregular expenses, you’ll find a better match with another .

Apply now

on BILL Spend & Expense's website