Costs & Pricing

Metric	BILL Divvy Card	Spark 1% Classic
Annual fee	$0	$0 (ongoing; no intro-year structure)
Employee card fee	$0; unlimited physical and virtual cards	$0 (free employee cards; no per-card fee published)
Purchase APR	N/A — charge card. Pay Amount Due in full. No purchase APR published. Marketing “0%” is charge-card float, not an intro APR.	28.99% variable on the product page and pre-approval rates block (Sept. 3, 2026). Not published as a range; no Prime + margin table on the Classic page. Review sites still show 29.49%–30.74% — treat as stale vs issuer page.
Intro APR (purchases)	Not offered	Not offered
Foreign transaction fee	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 NerdWallet 0% listings are superseded.	$0
Late payment fee	Greater of 2.99% of amounts past due or $38 (WebBank)	Not on the official Classic page. Bankrate (Dec 19, 2025): up to $39. Do not apply Cap One charge-card 2.99%-of-unpaid-minimum language to Classic.

Rewards & Value

Metric	BILL Divvy Card	Spark 1% Classic
Base earn rate	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.	Unlimited 1% cash back on every purchase. Marketing: no limits or category restrictions; no minimums. Rewards will not expire for the life of the account.
Welcome bonus	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.	None. Live public offer as of September 3, 2026: no cash bonus, no spend threshold. Historical typical offer: also none.
Redemption value	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.	Cash at face value on statement credit or check (1¢ per 1% dollar). Official FAQ: redeem for any amount / no minimums. Gift-card rates may vary. Do not assume portal 5% unless the user actually books hotels/cars in Capital One Business Travel. Do not assume World Elite travel credits or transferable miles.
Transfer partners	Not offered	None on this cash-back product. Official FAQ: cash rewards earned through spending on Spark Classic are not taxable (issuer still says consult a tax expert).

Credit & Eligibility

Metric	BILL Divvy Card	Spark 1% Classic
Personal guarantee	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.	Not quoted on the Classic product page. Commonly reported as required; official Classic sentence missing. Secondary sources (NerdWallet, Ramp, WalletHub) treat Cap One small-business cards, including Classic, as PG required.
Credit check	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.	Pre-approval advertised as no impact to personal score. Submitted application treated by reviewers as a hard pull on personal credit (commonly all three bureaus). Official: application may be declined if you have a freeze with credit bureaus.
Employee cards	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).	Free; add with name, DOB, phone; option to issue plastic or not; custom spend and cash limits, reset mid-cycle. Number allowed not disclosed. Primary account / guarantor remains responsible (Classic page does not spell joint and several).
Product type	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.	Revolving business credit card (balance may be carried; interest applies). Not a charge card. Contrast siblings: Spark Cash Plus and Venture X Business are pay-in-full / NPSL charge cards.

Pros & Cons

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)

Spark 1% Classic

Pros

• $0 annual fee with no year-2 surprise
• Explicitly underwritten for fair personal credit — rare in the Spark/Ink/Amex Business set
• Unlimited 1% + 5% Capital One Business Travel hotels/cars; rewards do not expire while the account is open
• $0 foreign-transaction fee on a fair-credit product
• Free employee cards with spend limits, virtual numbers, QBO/Excel export, year-end summaries, and $0 fraud-liability language covering employee cards

Cons

• 28.99% variable purchase APR and no intro 0% — carrying a balance is expensive
• No welcome bonus
• 1% base lags Spark Cash Select (1.5%) and Spark Cash (2%)
• Balance transfers not available
• Likely reports full activity to personal credit — utilization risk

Verdict

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.

Spark 1% Classic

Spark Classic is a credit-access card, not a rewards engine and not a 0% working-capital tool. Do not confuse it with Spark Cash Select (1.5%, $750 bonus, 9-month 0%) or Spark Cash Plus (2% NPSL charge card). Do not copy Venture X or World Elite Spark insurance onto this SKU until Classic’s own Guide to Benefits is confirmed. If you can qualify for Select or Ink Unlimited, those are better earners. If you cannot, Classic is a reasonable builder — only if you pay in full.