Costs & Pricing

Metric	Business Advantage Unlimited Cash Rewards	BILL Divvy Card
Annual fee	$0	$0
Employee card fee	$0 (no published cap on number)	$0; unlimited physical and virtual cards
Purchase APR	16.74%–26.74% variable after intro (creditworthiness-based)	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)	0% for 7 billing cycles, then 16.74%–26.74% variable	Not offered
Foreign transaction fee	3%	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 NerdWallet 0% listings are superseded.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	Not disclosed on public product pages	Greater of 2.99% of amounts past due or $38 (WebBank)

Rewards & Value

Metric	Business Advantage Unlimited Cash Rewards	BILL Divvy Card
Base earn rate	1.50% unlimited on all Net Purchases (no category cap)	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	$500 cash rewards after at least $5,000 in purchases in the first 90 days (live public online offer, 3 Sep 2026)	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	1¢ per 1% (cash is cash). No travel portal, no transfer partners.	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	None	Not offered

Credit & Eligibility

Metric	Business Advantage Unlimited Cash Rewards	BILL Divvy Card
Personal guarantee	Required in substance — cards are backed by personal credit	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	Hard personal pull on applying owner/authorized officer	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	Free; no published numeric cap; employee-transaction monitoring	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	Revolving small-business credit card	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

Business Advantage Unlimited Cash Rewards

Pros

• $0 annual fee and $0 employee-card fees
• Uncapped 1.5% on all Net Purchases; PRFB can take it to 1.87%/2.25%/2.62%
• Live $500 / $5,000 / 90-day bonus and 0% purchase APR for 7 billing cycles
• No category tracking, no $50k bonus cap
• In good standing, issuer says the card stays off personal credit reports

Cons

• 3% foreign-transaction fee
• 2.62% requires business checking and $100k combined BofA/Merrill balances
• Personal-credit underwriting and personal liability
• Intro APR is short and purchases-only; 5% BT fee with no 0% BT
• No transfer partners, lounge, or TSA credits; 1.5% trails 2% flats without PRFB

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

Business Advantage Unlimited Cash Rewards

Unlimited is the simple SKU in the Business Advantage cash pair — 1.5% with no cap, or up to 2.62% if Preferred Rewards for Business Platinum Honors is real for you. It is not Customized (3%/2%/1% with a $50k cap). Without PRFB it is a fine no-fee 1.5% card that loses to Ink Unlimited's bonus and Spark Select's longer 0% window. With PRFB it becomes one of the better uncapped cash rates in the set. Skip it for foreign spend or no-PG underwriting.

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.