BILL Divvy Corporate Card Review 2024

Is It the Best Credit Card for Your Startup?

Smiling business person pointing at 4.9 stars and BILL logo.

BILL (previously Divvy) is a relative newcomer to the corporate credit card market, but they’re making a big impact. Their corporate card offering has several features that set it apart from the competition and make it appealing to new startups. 

In this article, we will take a comprehensive look at the BILL Divvy Corporate Card and compare it to Rho, one of the leading players in this space. We will cover everything from pricing and features to reviews and eligibility.

Apply now for a BILL Divvy Corporate Card.

BILL Eligibility Requirements

There aren't many requirements to be considered for the BILL Divvy Corporate Card. It's one of the better options for those who don't already have business credit but are looking to build a history. It requires a security deposit that ends up being the amount of credit you have available. As you pay your credit on time, you can eventually transition into a regular credit account. 

Below are the eligibility requirements for signing up for a BILL credit account:

  • Must have a US bank account
  • Must have a US EIN
  • One person in the business must be a US citizen or resident and own 25% or more of the business. 

BILL does prefer small to medium-sized businesses, so the card may not be ideal for corporations or large businesses. However, any type of business structure can apply to BILL, whether it be a sole proprietorship, an LLC, or a partnership.

Pros & Cons of BILL Divvy Corporate Card


  • Rewards offered based on payoff frequency
  • Excellent budget management features
  • No hidden or annual fees


  • Lack of integration options
  • Lack of customization for alert systems

Should You Sign Up for a BILL Divvy Corporate Card?

BILL does a great job rewarding account holders for paying off their balances more frequently. It's a reward rarely seen in the credit card industry and works very well with no hidden or annual fees.

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BILL Divvy Corporate Card Fees & Features

BILL Divvy Corporate Card is a good card for beginning entrepreneurs building business credit because it has very low fees with good rewards. Below is a list of all the features and fees you can expect when using the card. 

Rewards and Benefits

  • Automatic expense reporting
  • Budget customization allows you to set spending and budget limits for each project, event, or any other category of your choosing
  • Choosing a higher frequency when paying your account balance leads to more reward points for purchases of specific items

Interest Rates

  • 0% APR on purchases for the first 12 months 


  • No annual fee
  • Late fees: 2.99% or $38
  • Foreign transaction fees: 0.2%–0.9%

BILL rewards customers who pay off their bills more frequently. Those who set up consistent automatic payments will receive higher reward points for purchases on eligible categories. 

Although there are no interest rates for BILL for the first 12 months, you'll need to talk with a customer support agent to determine what normal rates apply. Unfortunately, BILL leaves out any information regarding interest rates from their website.

How Does BILL Compare?

BILL offers a credit card for startups that is best for entrepreneurs just starting to build their business credit. The eligibility requirements are low, meaning most businesses will be approved. For those that don't, they offer a credit builder program. 

Even though the BILL Divvy Corporate Card has significant advantages, other cards may fill the gaps where BILL lacks. Here is how BILL compares to the Rho Mastercard and how to compare the two.


$0 Annual Fee 

Earn higher reward points for more frequent bill payments throughout the month.

Best For: Startups with no or minimal business credit history.


$0 Annual Fee

All-in-one financial solution that includes varying repayment terms with no fees. 

Best For: Companies that have a high-growth potential with larger cash reserves.

Final Thoughts on BILL Divvy Corporate Card

BILL has earned a special place for itself in the highly competitive credit card industry. The lack of fees and unique reward structure make it appealing for a business starting its credit journey.

Companies that plan to pay their bill monthly can take advantage of the rewards; otherwise, there aren't enough budgeting tools and rotating discounts to make BILL more appealing to larger businesses.

Frequently Asked Questions

How does a BILL Divvy Corporate Card work?

The BILL Divvy Corporate Card is free to use and has no annual fees. They make their money by charging the merchants who make purchases with a small fee for each transaction. Businesses can earn reward points based on how frequently they pay their bill off. 

How long does BILL credit take to approve?

You will know if you get approved for the BILL Divvy Corporate Card right after applying through the company's website. Once you've filled out the application, BILL will complete a quick credit check of your history and determine if you are eligible. Then, you'll receive information from BILL on whether or not you were approved minutes after applying.

Is BILL Divvy Corporate Card a credit card or charge card?

BILL Divvy Corporate Card is a charge card that does not allow you to carry a balance for purchases made. Instead, the total owed is due each month on a given date. You have several repayment options, but the most frequent options will receive higher reward points for specific purchases. 

About the Author

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TRUiC’s team of researchers, writers, and editors dedicate hours to ensure’s articles are actionable and accessible for both startup founders and startup enthusiasts. From launching a startup to growing your venture, you can trust that our information is an up-to-date and reliable source.

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