Costs & Pricing

Metric	American Express® Business Gold Card	BILL Divvy Card
Annual fee	$375	$0
Employee card fee	Employee Business Gold $95 (first 5 then $95 each); Employee Business Expense Cards $0; max 99 additional cards	$0; unlimited physical and virtual cards
Purchase APR	17.74%–28.49% variable on Pay Over Time only (Prime + 10.99% to +21.74%)	N/A — charge card. Pay Amount Due in full. No purchase APR published. Marketing “0%” is charge-card float, not an intro APR.
Intro APR (purchases)	Not a standard public offer (some targeted pages have shown 0% for 6 months on POT-eligible purchases)	Not offered
Foreign transaction fee	$0	Not $0. WebBank agreement (as of 6 Mar 2025): Foreign Currency Transaction Fee billed at cost, up to 25 bps; Cross Border Transaction Fee at cost, up to 135 bps. Combined theoretical cap ≈ 1.60% if both apply. Other issuers may differ — see your Cardholder Agreement. Foreign spend also earns no rewards. NerdWallet 0% listings are superseded.
Late payment fee	$39 or 2.99% of any past-due Pay In Full amount, whichever is greater	Greater of 2.99% of amounts past due or $38 (WebBank)

Rewards & Value

Metric	American Express® Business Gold Card	BILL Divvy Card
Base earn rate	1X Membership Rewards point per $1 on other eligible purchases	Everything Else (eligible): 1.5x weekly/daily/prepaid; 1x semi-monthly; 1x monthly. Official cash value uses dollar examples — 100,000 pts = $520 cash (0.52¢/pt), $510 gift cards, $490 statement credit. Issuer copy that says “0.0052 cents/point” conflicts; use the dollar examples. Weekly 1.5x everything else ≈ 0.78% cash.
Welcome bonus	Personalized — marketed as high as 200,000 Membership Rewards points after $15,000 eligible purchases in first 3 months (offer varies; you may not be eligible)	Not offered on live public product pages (official rewards page and NerdWallet, Apr 2026). No spend threshold, no once-per-lifetime language, no offer expiration.
Redemption value	Varies by redemption; Amex does not publish a single cpp. Treat Pay With Points / statement credit at ~1¢; transfers can be higher or lower — do not assume 2¢.	Cash back (ACH or check, ~15 business days): 100,000 pts = $520 (0.52¢). Gift cards (Tango, 3–5 days): $510 (0.51¢). Statement credit: $490 (0.49¢). Partner travel cited by NerdWallet/Bankrate at 1¢/pt is not quantified on the current official rewards page — secondary / verify in-product. Weekly 7x restaurants on the first $5k ≈ 3.64% cash if rules are met.
Transfer partners	Membership Rewards partners (most airlines 1:1; hotel ratios vary). U.S. airline transfers: excise tax offset $0.0006/point, max $99. Confirm live at membershiprewards.com/pointsinfo.	Not offered

Credit & Eligibility

Metric	American Express® Business Gold Card	BILL Divvy Card
Personal guarantee	Required (standard small-business Amex model; no published no-PG path)	Conflict. BILL blog (2 Sep 2026): does not require a personal guarantee; owner is not personally liable. WebBank agreement: if the entity fails to pay, the individual signing personally guarantees all amounts owed. BBB complaints include users told no PG then collected as guarantors. Marketing ≠ agreement — quote the customer’s actual Card Agreement.
Credit check	Apply with Confidence — no personal-score impact to learn approval; accepting the card may impact personal credit. Submitting may affect business credit.	Official Application FAQ: soft inquiry on the business and the authorized signer. We don't do a hard inquiry. Application collects estimated personal credit score of the signer, SSN or passport, DOB, residential address.
Employee cards	Up to 99 total; Gold employee cards $95 structure; Expense Cards $0; spend limits and alerts	Unlimited physical + virtual. Admin budgets and controls; freeze/unfreeze; MCC / merchant / amount policies on custom-limit virtual cards. Liability sits on the business account (and, if the WebBank clause applies, the signer after entity default).
Product type	Hybrid small-business charge card with revolving Pay Over Time (NPSL on purchases)	Corporate charge card + spend-management platform. Full balance due each billing cycle; no revolving APR on public product pages. Credit is a business line used via physical/virtual cards with budgets. Official page also offers variable, fixed, and secured credit-line types. Not a consumer card.

Pros & Cons

American Express® Business Gold Card

Pros

• Auto-4X on whichever two of six categories lead each month, up to $150k combined — no annual category lock-in
• Transferable Membership Rewards (same partner list as other MR cards)
• Statement-credit stack can exceed the $375 fee if credits are enrolled and used
• $0 foreign transaction fee; NPSL plus optional Pay Over Time
• Personalized welcome marketed as high as 200k / $15k / 3 months

Cons

• $375 annual fee plus $95 Employee Business Gold cards
• 4X dies after $150k combined and is only two categories per cycle; 1X residual is weak
• Shipping dropped from 4X (2026 refresh); credits need enrollment and specific vendors
• No lounge, Global Entry/TSA, or airline incidental credit
• Hybrid pay-in-full + high POT APR; late fee can be 2.99% of past-due Pay In Full

BILL Divvy Card

Pros

• $0 annual and per-card fees with unlimited physical/virtual cards
• Real budget locks, vendor virtual cards, AI receipt matching, and two-way ERP sync in the free Spend & Expense software
• Headline earn can be high on weekly dining/hotel spend inside the first $5k/month (official table)
• Soft-pull application; reports to SBFE for business-credit building
• Visa Signature primary auto-rental CDW on business rentals; AP customers can pay vendors on the card with $0 BILL transaction fee

Cons

• Charge card: miss a due date and you get a late fee (2.99% or $38) plus freeze/default risk, not a revolver
• Rewards are operationally fragile: 30% of line, 12-month lock, 5,000-pt minimum, ~0.5¢ cash value, first-$5k bonus window
• Foreign spend: FTF + no points
• PG language conflict between BILL marketing and the WebBank agreement / complaint file
• No welcome bonus, no travel-credit stack, no transfer partners; Trustpilot on bill.com is weak (1.7/5)

Verdict

American Express® Business Gold Card

Business Gold is a specialist, not a simple daily driver. Auto-4X that follows whichever two categories win each month is powerful for ads, software, restaurants, gas, transit, or wireless — and the credit stack can more than offset $375 if you already buy those products. After the $150k cap, or if you will not enroll in credits, a no-fee 2% card or Ink Preferred is usually cleaner. Poor substitute for 0% capital, no-PG fintech cards, or Business Platinum travel perks.

BILL Divvy Card

This is a charge card + free Spend & Expense, not a 2% cash daily driver and not paid BILL AP/AR. Size the line to spend so the 30% rule is reachable. Confirm the live Card Agreement on personal guarantee — WebBank makes the signer a guarantor if the company does not pay. Skip it if you need to revolve, spend abroad, or cash out a simple flat rate in year one.