BILL · Corporate charge
BILL Divvy Corporate Card review
The BILL Divvy Corporate Card is a free US charge card that comes with BILL Spend & Expense: team budgets, unlimited virtual cards and accounting sync with QuickBooks, NetSuite and Sage Intacct, with no annual or per-card fees. Rewards range from 1x to 7x points depending on how often you pay and what you buy, which rewards frequent payers but is more complicated than flat cashback, and foreign purchases cost 1%.
Who BILL is best for
US businesses wanting free spend management with their card and finance teams that want budgets and virtual cards for each team.
Businesses spending often in other currencies and owners who want simple flat cashback.
The BILL Divvy Corporate Card is a free US charge card that comes with BILL Spend & Expense: team budgets, unlimited virtual cards and accounting sync with QuickBooks, NetSuite and Sage Intacct, with no annual or per-card fees.
Rewards range from 1x to 7x points depending on how often you pay and what you buy, which rewards frequent payers but is more complicated than flat cashback, and foreign purchases cost 1%. BILL says approval is based mainly on your business's finances rather than a personal guarantee, so check the card agreement before you apply.
Fees, features and eligibility
| Rewards | 1x–7x points, depending on how often you pay and the spending category |
|---|---|
| Annual fee | $0 |
| Fees | $0 annual fee; $0 per card |
| Payment terms | Charge card: full balance due each cycle |
| Foreign transaction fee | 1% of each foreign transaction |
| Card type | Corporate charge |
| Eligibility | US businesses; approval based mainly on business finances, often with around $20,000 cash on hand |
| Personal guarantee | BILL says it isn’t required; check the card agreement |
| Currencies | USD |
Source: BILL published product information.
What stands out
Pros
- $0 annual and per-card fees
- Budgets, virtual cards and expense tools included
- Syncs with QuickBooks, NetSuite and Sage Intacct
Cons
- Complicated points structure
- 1% fee on foreign transactions
BILL: common questions
Does the BILL Divvy card have an annual fee?
No. There’s no annual fee and no fee per card.
How do BILL Divvy rewards work?
You earn 1x to 7x points depending on how often you pay your balance and the spending category.
Does BILL Divvy charge foreign transaction fees?
Yes, 1% of each foreign transaction.
Does BILL Divvy need a personal guarantee?
BILL says approval is based mainly on your business’s finances rather than a personal guarantee. Check the card agreement before you apply.
Used BILL? Help other businesses choose.
