BILL Divvy Card
No-annual-fee U.S. charge card with free expense software, budget-locked employee/virtual cards, and payoff-frequency rewards (up to 7x dining / 5x hotels on weekly/daily/prepaid), with a 12-month rewards lock and a 30%-of-line spend rule
Costs & Pricing
Annual fee (primary): $0
Employee card fee: $0; unlimited physical and virtual cards
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.
Intro APR (purchases): Not offered
Intro APR (balance transfers): Not offered. No BT product disclosed.
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 NerdWallet 0% listings are superseded.
Cash advance APR: Not offered / unsupported. Help center lists Cashback ATM-style transactions as unsupported.
Late payment fee: Greater of 2.99% of amounts past due or $38 (WebBank)
Penalty APR: Not disclosed as an APR. Default can accelerate the full balance and suspend/close the account.
Other fees: No public Schumer box. Expedited shipping $20/address (4–6 days); express $50/address (2–3 days); standard 7–14 business days $0. International orders express only. Overlimit fee not disclosed as a separate fee (issuer may demand immediate payment of the excess). Spend & Expense software $0. Separate BILL AP/AR is paid ($45–$89/user/mo on public pricing — not a card fee). Pay-by-non-BILL-card AP surcharge 2.9%. Paper-statement and inactivity fees not disclosed. WebBank fees dated as of 6 Mar 2025.
Rewards & Value
Bonus Categories & Promotions
- ★ Restaurants: 7x weekly/daily/prepaid; 4x semi-monthly; 2x monthly
- ★ Hotels: 5x weekly/daily/prepaid; 3x semi-monthly; 2x monthly
- ★ Recurring software subscriptions: 2x weekly/daily/prepaid; 1.75x semi-monthly; 1.5x monthly
- ★ Bonus multipliers apply only to the first $5,000 spent in a month; spend after that earns Everything Else even if it is restaurants/hotels/software. Not three independent $5k category buckets.
- ★ Official MCC list is not published. Recurring software subscriptions is not defined beyond the name. Advertising, Amazon Business, agencies, shipping, and SaaS marketplaces: Unclear. Do not use the different table on the Sep 2026 requirements blog.
Partner Credits & Perks
- ✓ None published. No airline, hotel, Uber, wireless, SaaS, or Global Entry statement credits.
- ✓ Lyft Business Rewards (6–8% Lyft Cash on eligible work rides) is a partner add-on for cardholders who connect a Lyft Business Profile — not a BILL statement credit.
Transfer partners: Not offered
Credit, Limits & Spending
Credit limit: Assigned credit line, advertised $1,000–$5 million, subject to approval. Variable, fixed, and secured lines. WebBank: variable lines fluctuate with connected bank cash; a failed bank connection immediately decreases the line. Issuer may change the line at any time. NerdWallet / one blog footnote cite $15M — treat as unverified / possible commercial exception. In-product Request credit change; automated review for requests under $250,000 (May 2025 product updates).
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.
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.
Recommended credit: Official help (not a guarantee): credit score typically must be good to very good (business and personal). Cash typically greater than $20,000 in an active account. Revenue and history vary.
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).
Virtual cards: Unlimited. Unique PAN, settable expiration, spend cap, vendor cards, budget assignment, lock-style merchant controls on custom-limit cards. Instant issuance. New accounts get a virtual card at signup (Nov 2025 product update).
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.
Network: Primarily Visa (new physical cards are Visa Signature Business). Some accounts still have or had Mastercard during a Visa migration.
Benefits, Protections & Tools
Travel
- ✓ New Visa cards are Visa Signature Business (guide as of 2/23/25). Mastercard-era cards may not have the same guide.
- ✓ No BILL-specific lounge membership. No TSA PreCheck / Global Entry / NEXUS credit. No airline fee credits, hotel status, or companion certificates.
- ✓ Travel Accident Insurance: principal sum $250,000 AD&D (sickness excluded)
- ✓ Lost luggage reimbursement listed on the rewards-page Signature summary; dollar caps not captured from the live guide
- ✓ Auto rental CDW: business rentals primary, up to actual cash value of most rented cars; personal rentals secondary. Must decline the rental company’s CDW/LDW or the benefit cancels. Claims 1-800-348-8472.
- ✓ Roadside Dispatch; Visa Signature Travel and Emergency Assistance / Rental Car Privileges listed
- ✓ Trip delay / cancel / interrupt caps not fully extracted from the public guide (503 on re-fetch). Do not invent Amex/Chase-style caps.
Purchase Protections
- ✓ Purchase protection / extended warranty / return protection / cell-phone protection / event tickets: not disclosed in the extracted public guide summary. Do not import consumer Visa Signature lists.
Business Tools
- ✓ Free Spend & Expense: enforceable budgets, AI receipt match, auto-categorization, memo writing, policy freeze for incomplete receipts, reimbursements via ACH, accounting-code / GL fields
- ✓ Integrations named: QuickBooks (Online and Desktop), Oracle NetSuite, Xero, Sage Intacct, Acumatica; Microsoft / Dynamics on the S&E page. Two-way sync claimed. Slack and HRIS mentioned in BILL comparison copy.
- ✓ Invoice / AP is a separate paid BILL AP product, not included in the free card software. Card can pay BILL AP invoices with $0 BILL transaction fee and can earn if the vendor processes the virtual card.
- ✓ App: activate cards, budgets, fund requests, receipt capture, freeze, multi-currency display in 20+ currencies
Eligibility & Application
Who can apply: Registered U.S. business with a U.S. bank account and U.S. EIN. International companies may apply only if at least one 25%+ owner is a U.S. citizen or resident. Cards can be used abroad; physical cards are not shipped internationally (not yet). EIN / tax ID collected; signer SSN or passport; beneficial owners at 25%+. Sole-prop / SSN-only path is Unclear (EIN is requested). Non-U.S. signer address and passport path exists.
Business requirements: No published numeric time-in-business or revenue floor. Cash typically >$20,000. Bank connect via Plaid or MX required. Physical address (no PO box). Pre-July 2023 dual AP + S&E customers (~4,200 orgs) called out as currently not eligible without exception. Prohibited industries not disclosed on public pages.
Issuer rules: No Chase 5/24 / Amex once-per-lifetime. Soft-pull + cash-balance underwriting is the constraint. Mastercard → Visa migration required new docs; line amount unchanged in that FAQ. Existing S&E customers can use the card for AP without re-applying.
Application impact: Official: soft pull only, business + signer. No hard inquiry per Application FAQ.
Best for: No annual fee Expense software Employee spend controls Virtual cards Charge card Soft pull
Pros & Cons
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)
Buy (expense ops, weekly pay)
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.