BILL vs. Tillful Credit Card Review 2024


Woman comparing BILL versus Tillful ratings.

Tillful and BILL are considered two of the best business credit cards startups can obtain to receive good benefits, exceptional service, and unmatchable features. However, some individuals wonder which is the most reasonable choice as one of the best startup corporate cards. 

This product review will cover Tillful vs. BILL comparisons that will give you the information you need to decide which card is suitable for your startup. Therefore, every detail is important to consider, ensuring you choose carefully. Read on for more insight about both cards and how to distinguish both business credit companies.

Recommended: Apply now for the BILL Divvy Corporate Card

BILL vs. Tillful: What Sets Them Apart


Tillful allows users to pay their bills monthly, but BILL emphasizes weekly and daily payment benefits. While both companies don’t charge an annual fee, BILL does have inconvenient transaction rates for currency conversion, late payments, and international purchases. In addition, BILL has credit lines up to $15 million, while Tillful doesn’t disclose a limit.

Features and Rewards

BILL automatically generates a digital receipt for every transaction their employees initiate, while Tillful requires some users to verify their identity for further authentication. Tillful users receive an introductory offer that can net 5,000 points if they spend $1,000 within the first 30 days of activation, but BILL doesn’t disclose such an offer.


BILL and Tilfull have limitations, and one may have advantages while the other lacks particular aspects users look for in startup corporate cards. However, when making Tillful vs. BILL comparisons, the differences between the best business credit cards could be irrelevant to users who choose the one they think is the most useful.

BILL vs. Tillful: Similarities


BILL and Tillful require a security deposit, creating a credit limit. However, the amount covers necessary purchases for users who spend very little money. Although BILL has a monthly billing period, Tillful also allows users to pay per month instead of daily or weekly as long as they maintain substantial funds in their connected business bank accounts.

Features and Rewards

Tillful and BILL conduct credit inquiries for all applicants through Experian Business, accumulating scores using its premier business scoring system. Since BILL and Tillful have secured credit-building capabilities, users must pre-fund their accounts.

Startups can get the most out of BILL and Tillful to build business credit. Also, they can earn 1.5% cash back rewards on business-related transactions for office supplies and travel. Even better, cardholders have the option to monitor their purchases through expense and cash management systems.


BILL and Tillful can be beneficial for startups according to their similarities. Whether making payments or earning a point per purchase, both have specific convenient qualities, especially for Tillful vs. BILL comparisons.

BILL vs. Tillful: Corporate Cards

BILL Divvy Corporate Card

Startups interested in developing creditworthiness should consider a BILL Divvy Corporate Card. This offer is essential whether you’re a new entrepreneur or a growing small business with a few partnerships. It also allows you to manage your corporate expenditures and other financial business obligations as an enterprise or a startup owner. 

Users can redeem rewarding offers if they maintain a good credit business score. Therefore, you can receive bonuses if you make your payments on schedule and keep your monthly expenses below the debt-to-income ratio. You may qualify for reduced premiums depending on how often you make payments. Also, timeliness matters when paying off a bill due to its impact on your reliability as a user.

Features and Rewards:

  • Automatic expense reporting
  • No personal guarantees
  • Budget management features
  • Two different lines of credit

Fees and Interest Rates:

  • International Currency Fees: 0.2%–0.9%
  • Late Payments: 2.99% or $38

Tillful Corporate Card

The Tillful Corporate Card, part of the Mastercard network, allows startups to establish a credit history while maintaining a positive financial record. The growing online financial platform tracks bank account activity to determine if users pay their bills on time and avoid unnecessary expenses. While the card has its limitations, it continues to be a popular choice among users who prefer flexibility and exclusive benefits.

Tillful's business credit score is comparable due to the standard data retrieval methods it uses to determine creditworthiness. However, Tillful can produce a score while other agencies cannot, giving you an advantage in linking enterprise bank and credit accounts. Additionally, your results are based on your most recent activity. Your net income information, financial history, income level variation, debt repayment, late payments, and other relevant data undergo an evaluation by its algorithms to identify patterns.

Features and Rewards:

  • Business mobile app
  • Highly-rated business credit builder
  • Up to 4% cash back
  • Free business credit report inquiry

Fees and Interest Rates:

  • 0% APR

BILL vs. Tillful: The Bottom Line

While Tillful and BILL are highly-rated reputable corporate cards, Tillful has an advantage over BILL when comparing reviews, ratings, product reliability, and customer satisfaction. The company is relatively new but remains a growing corporate card lender among other small companies.

On the other hand, BILL does have its advantages, such as customer loyalty incentives and non-deposit sign-up. Whether users choose Tillful or BILL is primarily based on their views of both companies, which can influence their choice of one of the best startup credit cards they believe can help them grow as entrepreneurs.

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