If you are looking for the best credit cards for startups, the BILL Divvy Corporate Card and Ramp are two excellent cards to consider. But which of these startup corporate cards actually reigns supreme?
In our BILL Divvy vs. Ramp review, we’ll compare the two cards and cover everything you need to know about each in order to help you decide which is truly the best business credit card.
Our Pick: BILL Divvy
Transform your expense management with smart corporate cards and automated spend controls. Join thousands of growing businesses that trust BILL Divvy to streamline their finances and earn up to 7x points on purchases.
Get StartedBILL Divvy vs. Ramp At a Glance
| Feature | BILL Divvy | Ramp |
| No annual fee | ✅ | ✅ |
| Regular APR | None | None |
| Welcome bonus | None | None |
| Rewards | 1.5%-7% cashback | 1.5% cash back |
| Additional Products Offered | Accounts receivable (AR), accounts payable (AP), spend & expense management, etc. | Expense management, AP, procurement, etc. |
| Get Started | Get Started |
What Is BILL?
BILL is a cloud-based financial operations platform that specializes in automated payment processes and expense management. BILL offers corporate cards, spend management software, and automated expense reporting solutions. The platform combines traditional bill payment capabilities with modern spend management features, allowing businesses to control expenses proactively through customizable budgets and real-time spending visibility.
Who Is BILL Divvy Best For?
The BILL Divvy credit card ideally suits businesses seeking flexible credit limits with rewards on everyday spending. It’s particularly attractive for growing companies that may not qualify for traditional corporate cards due to limited credit history because this card is available to businesses even if they have limited or poor credit history.
Read our full BILL Divvy review to learn more.
What Is Ramp?
Ramp is a fintech company that provides corporate cards and spend management software with a unique focus on cost savings. The platform uses artificial intelligence (AI) to analyze company spending patterns and automatically identify potential savings opportunities. Ramp differentiates itself through its integrated accounting automations, vendor management features, and built-in negotiation tools that help businesses secure better deals with suppliers.
Who Is Ramp Best For?
Ramp’s charge card offering is ideal for well-funded startups and established businesses with strong cash positions because it requires no personal guarantee and offers unlimited virtual cards with high credit limits based on a company’s cash balance. It’s especially appealing to companies that prefer a charge card model (which requires full monthly payment) over a traditional credit card.
Maximize Your Rewards
Turn business spending into business growth with BILL Divvy’s industry-leading rewards program. Earn up to 7x points on restaurants when you pay weekly plus competitive rates on all other purchases.
Get StartedBILL Divvy vs. Ramp: In-Depth Features Comparison
Choosing the right business credit card for your business requires an in-depth understanding of key features, such as fees, eligibility requirements, and rewards. Below, we’ve outlined how BILL and Ramp compare in these areas as well as which competitor’s offering is best.
Fees
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Both BILL and Ramp offer credit services with no annual or monthly fees unlike some competitors. If you would like to enhance your services with either company, you can opt to upgrade your plan with Ramp or add-on AP or AR services with BILL.
Rewards
🏆 BILL
Ramp offers unlimited 1.5% cash back on all purchases for credit customers. In contrast, BILL offers 7% cash back on restaurant purchases, 5% cash back on hotels, 2% cash back on recurring software subscriptions, and 1.5% cash back on all other purchases. While BILL’s rewards system is less straightforward than Ramp’s, it provides the opportunity for better rewards on common business spending.
Eligibility Requirements
🏆BILL
The BILL Divvy Card includes flexible underwriting and eligibility for businesses with poor credit, which makes qualifying for business credit easier for a large number of business sizes. Ramp, alternatively, imposes more eligibility requirements based on revenue or funding amounts that make it less accessible for new and smaller businesses.
Customer Support
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Both Ramp and BILL offer multiple customer support channels for customers regardless of whether they choose a paid plan, but both platforms have limitations in this field. BILL doesn’t offer email support — only live chat and phone. Additionally, Ramp only offers priority customer support to paid plan members.
Expense Management
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Credit customers for both BILL and Ramp gain access to automated expense management features for free. These features help businesses easily track and monitor expenses without the need for extensive hours creating expense reports by hand.
Bank Minimums
🏆 BILL
Both companies require a bank minimum to open a credit account. Ramp’s bank minimum eligibility requirement is $25,000, which is slightly higher than BILL’s required minimum of $20,000.
Partners Discounts
🏆 Ramp
Ramp provides users with more than $350,000 in partner perks from Amazon Web Services (AWS), OpenAI, ClickUp, and more. While BILL does offer a variety of helpful integrations with other platforms, the company doesn’t offer partner perks and discounts like Ramp.
BILL vs. Ramp: Pricing Plans
Both BILL and Ramp offer free business credit products with included features, such as expense management and spend monitoring tools. Below, we’ve outlined the credit offerings by each competitor as well as the noteworthy features included in each plan.
BILL
BILL’s business credit offers are free for qualifying businesses. While the company does offer paid plans for its Accounts Payable & Receivable offering, there are no additional tiers for credit services. However, this doesn’t mean BILL’s offerings are limited in terms of features or capabilities. The BILL Divvy Card includes an extensive number of rewards and features.
Spend & Expense (Free)
Notable Features:
- Unlimited virtual cards
- Spend and expense management features
- Real-time transaction tracking
- Budgeting and proactive spend controls
- Easy employee reimbursements
Ramp
Ramp offers three package options for businesses, including a free plan. All packages include expense and spend management features and unlimited virtual cards for domestic use. With each package tier, users can anticipate more features and advanced capabilities. Here’s how each plan compares side by side.
Ramp (Free)
Notable Features:
- Unlimited virtual cards
- Travel booking tools
- Expense policy enforcement
- Real-time spend reporting
Ramp Plus ($15 per user/mo billed monthly)
Notable Features:
- Automated Human Resources Information System (HRIS) syncs
- Advanced accounting features
- Advanced users roles and permissions
- Priority customer support
Ramp Enterprise (Custom Pricing)
Notable Features:
- Custom reporting tools
- International card issuance
- Additional integration capabilities
- All features included in the other plans
The Bottom Line
Both Ramp and BILL offer business credit services that include expense management features, cash back rewards, and unlimited virtual cards to help streamline employee spending. However, BILL offers a better deal overall with more accessible eligibility criteria, advanced budgeting features, and flexible underwriting with credit lines up to $5 million. Plus, BILL offers higher rewards percentages than Ramp on select spending categories. The best business credit card for your startup, however, will depend entirely on your business needs.
Automate Your Business Expenses
Say goodbye to manual expense reports and hello to real-time tracking. BILL Divvy automatically categorizes expenses, enforces spending policies, and syncs with your accounting software.
Get StartedFrequently Asked Questions
What is the difference between BILL Divvy and Ramp?
The main differences between BILL Divvy and Ramp lie in their core offerings and credit models. BILL Divvy offers traditional credit cards with flexible payment terms and a tiered rewards program in which users can earn up to 7x points on restaurants and up to 5x points on hotels when paying weekly.
Ramp, on the other hand, operates on a charge card model with a flat 1.5% cash back rate and requires full payment each month. While both offer expense management features, Ramp focuses more on automated cost-saving analysis while Divvy emphasizes budget management and spending controls.
What is the difference between Ramp and BILL spend and expense?
Ramp and BILL’s spend and expense platforms differ in their approach to financial management. Ramp offers an all-in-one solution that includes bill pay, corporate cards, and expense management with a strong emphasis on identifying cost-saving opportunities through AI analysis. BILL’s platform separates its services between BILL Spend & Expense for card spending and expense management, and BILL Accounts Payable & Receivable for invoicing and payments. This separation can offer more specialized features in each area, but may require managing multiple platforms.
Does Ramp charge for bill pay?
Ramp offers bill pay as part of its free plan, which includes ACH payments, check payments, and international wire transfers. However, certain premium features and higher transaction volumes may require upgrading to Ramp’s paid plans. Wire transfers typically incur standard bank fees, and expedited payment options may have additional costs.
Is Ramp Plus worth it?
Ramp Plus, which typically costs $15 per user per month, can prove worthwhile for businesses that need advanced controls and automation features. The Ramp Plus plan includes benefits like custom approval workflows, advanced vendor management, dedicated customer support, and higher limits on various transactions. It’s particularly valuable for larger organizations with complex approval hierarchies or those processing a high volume of vendor payments and expense reports.
What credit score do you need for BILL Divvy?
BILL Divvy typically requires a minimum personal credit score of 670 for the primary cardholder providing the personal guarantee. However, the company also considers business factors like revenue, time in business, and bank account balances when making credit decisions.