Last verified 32 days ago·14 sources·Updated automatically
BILL Spend & Expense and Wise Business 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.
charge cardPay-in-full charge card, no revolving balance/APR.
debitMulti-currency debit card funded by the Wise account balance
Card Network
VisaBILL Divvy Card runs on Visa (tap-to-pay with Visa, Apple Pay, Google Pay).
Visa
No Personal Guarantee
Underwritten on business financial health, not a personal guarantee.
Balance-funded debit card; no personal guarantee or credit check
Limit Basis
cash balance & revenueCredit line based on business financial health; $1,000-$5M range.
account balanceSpend limited to available deposited balance; admins set per-card limits
Virtual Cards
Unlimited physical and virtual cards with per-card limits/rules.
Create digital cards instantly to separate expense types
No Foreign Transaction Fees
Foreign currency / cross-border fees may apply on international spend.
No foreign transaction fees on card spend; mid-market rate, no FX markup
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.
noneNo cash-back or points rewards program
Spend management
Receipt Capture & Matching
Snap/text receipts; AI auto-matches them to transactions.
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Approval Workflows & Policies
Custom budgets, assigned card limits, and automated approval workflows.
Per-card spend limits and freeze controls only; no multi-step approval routing
Employee Reimbursements
Out-of-pocket employee reimbursements built in.
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Bill Pay / AP
Bill pay / AP is a separate BILL product (AP & AR), not part of Spend & Expense.
Pay vendor bills/invoices; BatchTransfer sends up to 1,000 payments from a spreadsheet
Security & compliance
SOC 2
Annual SOC 2 Type II audit (also SOC 1).
SOC 2 Type II (also SOC 1 Type 2, PCI DSS, ISO 27001)
Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct.
Native sync to QuickBooks, Xero, NetSuite, Sage, FreeAgent, Zoho Books and more
Public API
API listed among platform features; public developer-doc URL not separately verified.
Public Wise API: payments automation, conversions, balances; card issuing via Wise Platform
The verdict
BILL Spend & Expense
Best for rewards and spend controls on domestic cards
A charge card with a $1K-$5M credit line set on business cash and revenue, not a pre-funded balance. Earns tiered points (up to 7x dining, 5x hotels, 2x software); Wise pays no rewards. Adds multi-step approval workflows, receipt capture, and reimbursements that Wise lacks. But it charges foreign transaction fees, where Wise does not.
A multi-currency debit card with no foreign transaction fees at the mid-market rate, versus BILL's FX fees. Includes bill pay with BatchTransfer (up to 1,000 payments from a spreadsheet); BILL keeps AP in a separate product. Spend is capped at your deposited balance, so there is no credit line, no rewards, and only per-card limits rather than approval routing.
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