BILL Divvy Corporate Card (Visa Signature Business)
Corporate charge card for teams. Pay in full, control employee spend, and build business credit without touching your personal file. Pick weekly, semi-monthly, or monthly payments; the more often you pay, the higher your rewards.
Card Details
- Type: Corporate charge card — balance is due in full (weekly, semi-monthly, or monthly).
- Welcome offer: None.
- Credit line: Based on business financials (ranges from small limits to multi-million).
- Fees: Annual fee $0. Employee cards $0. Late fee 2.99% of amount due or $38 (whichever is higher).
- Foreign transaction fee (U.S. accounts): ~1.10% total (0.90% cross-border + 0.20% currency conversion). Foreign/cross-border purchases don’t earn points.
- Rewards (depends on payment schedule):
- Weekly: up to 7x restaurants, 5x hotels, 2x software, 1.5x everything else
- Semi-monthly: 4x / 3x / 1.75x / 1x
- Monthly: 2x / 2x / 1.5x / 1x
- Redemptions: Cash back, statement credit, gift cards, or travel (best value is usually travel booked in the portal).
- Reporting: Builds business credit via commercial channels; personal credit is generally not reported.
- Personal guarantee: Often not required (depends on underwriting).
- Issuer / network: Bank partner (e.g., Cross River Bank) on Visa Signature Business.
- Account management: BILL Spend & Expense (web + mobile), virtual cards, budgets, merchant/category locks, receipt capture, accounting integrations.
- Apply: Online on BILL’s site (request a demo or apply).
About The Card
This is a corporate card for companies that want control and clarity. You can issue physical and virtual cards, set budgets by team or vendor, lock any card instantly, and pull clean reports. Because the card and the expense software are the same system, month‑end close is faster and less manual.
Rewards are simple: pay more often, earn more. Weekly gives the highest multipliers; monthly still earns, just less. Use cash back or statement credits for a quick rebate, or book travel in the portal for better value. Keep an eye on foreign/cross-border spend—those purchases don’t earn points and have the ~1.10% fee on U.S. accounts.
Pros
- $0 annual fee (software included).
- Builds business credit; keeps personal credit out of it.
- High multipliers with weekly payments (up to 7x/5x).
- Strong controls: unlimited virtual cards, per‑team budgets, merchant locks.
- Visa Signature Business perks and protections.
- Good accounting integrations; easier month‑end close.
Cons
- Charge card — you must pay in full; not for carrying balances.
- Rewards drop if you choose monthly payments.
- Foreign/cross-border purchases have ~1.10% fee (U.S.) and don’t earn points.
- No large welcome bonus; value is ongoing spend + software.
- Program rules apply (e.g., activity requirements) to keep points; read your terms.
Is this card for me?
Choose this if you want a corporate‑style card with tight control over employee spend, clean expense workflows, and business‑only credit building. Pick weekly payments to maximize rewards; pick monthly if cash‑flow simplicity matters more than points. If you need to carry a balance, want a flat 2%‑style card, or care most about a big sign‑up bonus, this isn’t the right fit.
