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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
BILL Divvy Corporate Card review: Great account management features and bonus points aplenty
Joseph Hostetler is a credit cards writer who also covers helpful miles and points tricks. He previously authored and edited for Million Mile Secrets. He most enjoys a vagabonding approach to travel and loves to share any tips he finds along the way to save both points and money. He generally gravitates toward more nature-oriented activities, like climbing the Haiku Stairs in Hawaii, hiking the Salkantay Trek to Machu Picchu, and swimming in Mexican cenotes. You can follow him on Instagram @johostetler.
Favorite city: Jerusalem
Where to next: Seattle
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
February 14, 2025 • 11 min read
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Quick summary
A business card is available that rewards more frequent bill payments with higher points earnings, making it appealing for organizations seeking to optimize rewards.
The card stands out for its ability to automate expense management and provide granular control over employee spending, including customizable credit limits and permissions.
There are no annual or employee card fees, and unlimited employee cards can be issued, which may benefit rapidly growing businesses.
Redemption options and bonus categories are somewhat limited, and rewards are best maximized when bills are paid weekly.
What to consider
Points can only be redeemed after your account is at least one year old and you have accrued at least 5,000 points in the first year.
Most redemption options provide less than 1 cent per point in value, except for travel, which offers the highest redemption rate.
Some purchases, such as those below a certain monthly spend threshold or foreign transactions, are excluded from earning points.
What you'll miss from the article
A detailed comparison of how this card's unique budgeting and employee management features stack up against other leading business cards.
Generated by AI with support from our editorial team.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
BILL Divvy Corporate Card overview
Here’s a type of card you’ve probably never seen before: is a business credit card that transforms the way you earn — offering additional points awarded on purchases if you pay your bill weekly or semi-monthly. This return is even more impressive because the BILL Divvy Corporate Card is a no-annual-fee credit card.
However, both the lucrative bonus categories and the options for redeeming points are limited. Let’s take a look at whether this card will fit into your business strategy. Card Rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The is a business credit card with no annual fee that's a good option for rapidly growing organizations and sole proprietors who want to take more control over their business spending.
It’s very handy no matter the size of your business, as it automates much of the clerical minutiae of owning a small business (we’ll get into that later). However, if you have a small payroll with limited needs to extend lines of credit to employees, some of the card’s most notable features won’t be of use to you.
This card also may appeal to you if you’ve already opened most other popular small-business cards and are looking for something outside the realm of Chase, Amex, Citi and other major issuers. It shouldn’t count against your Chase 5/24 status, as most small-business cards don’t appear on your personal credit report.
BILL stipulates that this credit card is for those with “good to excellent” credit, so we recommend a 670 credit score or higher before applying.
BILL Divvy Corporate Card pros and cons
Pros
Cons
Earn more bonus points by paying off your balance more frequently
Flexible redemption methods
Extensive control over employee spending
No annual fee
Rewards can’t be redeemed for one year
Most redemption options don’t provide much value
Lacks the comprehensive protections of other business cards
BILL Divvy Corporate Card welcome offer
The good news is that the has a welcome offer, but the bad news is that it's much lower than what you'll find on some of our other favorite business credit cards. It currently offers a welcome offer of $500 after you spend $500.
THE POINTS GUY
BILL Divvy Corporate Card benefits
While you examine these card benefits, keep in mind two things:
You’re potentially saving money by accounting for every dollar.
You’re running (nearly) every penny of business expenses through BILL to earn maximum rewards.
These are the things BILL wants to achieve for your small business that other cards may fail to do. I attended a demo of the credit card, and the card does offer an edge over all other small-business cards in the above capacities.
The BILL Divvy Corporate Card is also easy on the bottom line with no annual fee, plus no extra fees for requesting employee cards and no maximum limit on employee cards.
The main feature of the card, though, is the way you can divvy up your corporate card’s line of credit.
One of the most worrisome aspects of adding an authorized user or employee to your primary credit card is the fact that they have carte blanche access to your credit line. The budget feature solves that problem as you can dole out a unique amount of credit for specific situations, only as much as you’re willing to spend.
As the budget owner, you can view an extremely digestible dashboard of all your assigned budgets. It contains graphics reflecting the size of each budget, how much has been spent and how much remains. You can also create unlimited budgets.
WESTEND61/GETTY IMAGES
For example, you can create budgets for each employee to ensure they don’t blow out your credit limit or rack up too many unexpected expenses. If an employee travels to a conference, you can assign a dollar amount to their card. Once they hit the card’s limit, the card will decline.
On the same note, each employee can request a bump in credit from the budget owner. The budget owner can release more credit in real time if there are unforeseen expenses.
You can also establish a “grace period” of sorts, where the card won’t decline if the cardholder nominally breaches their credit line.
With BILL Divvy, you can give different permissions to different cardholders. If, for some reason, you want to give another cardholder access to account information, you can do this without handing over your personal login credentials.
Even if you can’t use your BILL Divvy Corporate Card for all purchases, you can still input any expense into BILL Divvy and reimburse yourself for purchases you make without the BILL Divvy Corporate Card through ACH deposits for free.
Earning points on the BILL Divvy Corporate Card
The section you’ve been waiting for. The earns rewards on all spending (quite generously, in some categories).
MARKO GEBER/GETTY IMAGES
In short, the BILL Rewards strategy is to make more expenses rewardable than other small-business credit cards. What you earn depends on two things:
Which bonus categories you spend in
How often you pay your bill
The more often you pay your bill the higher the rate of rewards you'll earn.
Here’s what you’ll earn:
Payment frequency
Restaurants
Hotels
Recurring software subscriptions
All other purchases
Weekly
7 points per dollar
5 points per dollar
2 points per dollar
1.5 points per dollar
Semi-monthly
4 points per dollar
3 points per dollar
1.75 points per dollar
1 point per dollar
Monthly
2 points per dollar
2 points per dollar
1.5 points per dollar
1 point per dollar
However, there are also some purchases that are excluded from earning points. These exceptions include:
Any transactions from a given month if your total monthly spend is less than 30% below your credit line
Foreign transactions and foreign transaction fees
Plastiq transactions
Earn up to 7 points per dollar at restaurants — on a no-annual-fee card? That certainly sounds above average. But let’s look at how to use those points and how much they are worth.
BILL Divvy Rewards are worth, at most, 1 cent each. To redeem points, you’ll need to accrue at least 5,000 points in your first cardmember year, and your account must be at least one year old. Here are the various ways to spend your points and the value you’ll receive for each option.
Redemption type
Value per point
BILL Divvy travel
1 cent per point
Gift cards
~0.51 cents per point
Statement credit
~0.49 cents per point
Cash back
~0.52 cents per point
As you can see, points are worth about half a cent for most redemptions. If you’re using this card to earn cash back and pay your bill weekly, that’s like earning:
3.6% back at restaurants (7 points per dollar)
2.6% back at hotels (5 points per dollar)
For a no-annual-fee card, that’s pretty good. However, all other earning scenarios with this card aren’t as great.
If you prefer to use your rewards for travel, your return will be much greater — but you’re now competing with an elite catalog of travel credit cards that can sometimes net you far more value for your spending if you know the best ways to maximize those rewards.
MORSA IMAGES/GETTY IMAGES
If you want to use your BILL Divvy Rewards points for travel, here’s the process:
Pay for travel with the BILL Divvy Corporate Card
Click “Redeem Rewards” on your BILL dashboard
Fill out the rewards form with the number of points you want to redeem
Submit the form
BILL Divvy Rewards says that your redemption will be processed within 10 business days.
The process is a two-edged sword. You can book directly with the travel provider instead of going through a third-party portal, which is great news for those wanting to use points for hotels, as you typically only earn elite night credits, elite benefits and hotel points if you book directly.
However, you must use the BILL Divvy Corporate Card to reserve your travel, meaning those with airline or hotel credit cards won’t be able to earn extra rewards or kick in built-in travel protections on these purchases.
Which cards compete with the BILL Divvy Corporate Card?
There are plenty of other business cards that might be a better fit for your company:
If you want customizable bonus categories: The carries a much higher annual fee of $375 (see rates and fees), but you’ll earn four points per dollar spent in your highest two spending categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar after). To learn more, read our full review of the Amex Business Gold.
If you still don’t want an annual fee: The (see rates and fees) earns 1.5% back on every purchase at no annual fee; plus, it includes basic perks like purchase protection and the option to add employee cards at no additional cost. To learn more, read our full review of the Ink Business Unlimited.
If you’re searching for a business card with no annual fee that has a good earnings structure and offers a lot of control over employee spending, the BILL Divvy Corporate Card is a worthwhile choice. However, you have to pay your bill weekly to maximize your rewards earnings, which may not be ideal for all businesses. If you want greater flexibility with your rewards, there are better options on the market for your business.
Bottom line
has some perks that make it unique in the business credit card world.
You can give employees varying degrees of account access, set strict budgets for each employee card and reimburse yourself for expenses from your personal payment method to keep within budget. And interestingly, you’re rewarded based on the frequency with which you pay off your balance. You can earn potentially 3.5 times more points by paying your bill weekly instead of monthly.
Even if the BILL Divvy Rewards system isn’t the best, that may be enough to spur many business owners to give it a try.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
