Last verified 32 days ago·16 sources·Updated automatically
BILL Spend & Expense and Rho compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.
BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
3.4kBILL Holdings total headcount (~3,350, mid-2026).
345Approx. 342-351 per third-party aggregators (2026)
Pricing
Starting Monthly Price (USD)
$0Free software; no subscription or per-user fees. Revenue via interchange.
$0Free platform; $0 subscription and $0 per-user fees
Card & limits
Card Type
charge cardPay-in-full charge card, no revolving balance/APR.
charge cardCharge card by default — each day's spend is auto-debited from the linked Rho checking account; optional monthly credit terms available
Card Network
VisaBILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).
MastercardIssued by Webster Bank N.A. on Mastercard
No Personal Guarantee
Underwritten on business financial health, not a personal guarantee.
No personal guarantee, personal credit check, or personal credit score pull
Limit Basis
cash balance & revenueCredit line based on business financial health; $1,000-$5M range.
cash balance & revenueUnderwritten on revenue growth, spending patterns, and balance sheet liquidity
Virtual Cards
Unlimited physical and virtual cards with per-card limits/rules.
Spin up a virtual card in seconds; physical cards also available
No Foreign Transaction Fees
Foreign currency / cross-border fees may apply on international spend.
1% foreign currency conversion fee on card spend abroad
Rewards & cash back
Rewards Model
tiered pointsPoints multipliers by category and payment frequency (up to 7x dining, 5x hotels, 2x software); redeemable for cash back.
flat cash backUp to 1.5% cash back on all spend; no tiers, no categories
Flat Cash-Back Rate
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1.5%Up to 1.5% on qualifying spend, paid as statement credit
Spend management
Receipt Capture & Matching
Snap/text receipts; AI auto-matches them to transactions.
Receipt upload + Gmail connector auto-finds receipts; auto-coded and matched
Approval Workflows & Policies
Custom budgets, assigned card limits, and automated approval workflows.
Approval rules by amount or team; off-policy spend flagged at point of use
Employee Reimbursements
Out-of-pocket employee reimbursements built in.
Out-of-pocket reimbursements incl. mileage; paid from Rho checking (US bank accounts only)
Bill Pay / AP
Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.
AP/bill pay via ACH, check, wire, card with approval routing; zero fees
Security & compliance
SOC 2
Annual SOC 2 Type II audit (also SOC 1).
SOC 2 Type II (report available via Trust Center)
Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct (real-time)
Public API
API listed among platform features; public developer-doc URL not separately verified.
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The verdict
BILL Spend & Expense
Best for maximizing category rewards and developer access
Both cards are free charge cards with no personal guarantee. BILL pulls ahead on rewards: tiered points up to 7x dining, 5x hotels, and 2x software, versus Rho's flat 1.5% cash back. It also lists a public API, which Rho's facts do not. Trade-off: bill pay/AP is a separate BILL product, not included here, and the card runs on Visa.
Best for built-in bill pay and simple flat-rate cash back
Rho bundles AP/bill pay (ACH, check, wire, card with approval routing, zero fees) into the same free platform; BILL keeps that in a separate product. Rewards are a flat 1.5% cash back on all spend, simpler than BILL's tiered points if you don't fit its high-multiplier categories. Cards run on Mastercard; no public API is listed.
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