BILL Spend & Expense
Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.
Overview
BILL Spend & Expense, formerly Divvy, is a corporate card and expense-management product aimed at small and mid-sized businesses. The software is free, with no subscription or per-user fees. It issues a charge card on the Visa network, paid in full each cycle with no revolving balance.
Card limits are underwritten on business financial health rather than a personal guarantee, with a credit line tied to cash balance and revenue. The platform pairs unlimited physical and virtual cards with per-card limits, custom budgets, automated approval workflows, AI receipt capture and matching, and built-in employee reimbursements. Data flows to QuickBooks, Xero, NetSuite, and Sage Intacct through native accounting sync, and a public API is listed among its features.
It is operated by BILL Holdings, headquartered in San Jose, CA, with roughly 3,400 employees. The product carries an annual SOC 2 Type II audit. A tiered points rewards model offers category-based multipliers redeemable for cash back.
Best for
- Small and mid-sized businesses wanting corporate cards and expense management at no software cost, since there is no subscription or per-user fee.
- Companies that want a credit line without a personal guarantee, underwritten on business cash balance and revenue.
- Teams needing budget control and policy enforcement, with unlimited virtual cards, per-card limits, custom budgets, and automated approval workflows.
- Finance teams that want spend to reconcile automatically, via AI receipt capture and matching plus native sync to QuickBooks, Xero, NetSuite, and Sage Intacct.
- Organizations reimbursing out-of-pocket employee spend alongside card spend in one tool, with reimbursements built in.
Less ideal for
- Businesses with significant international spend, since foreign-currency and cross-border fees may apply rather than being waived.
- Companies wanting bill pay and accounts payable in the same product, as AP is a separate BILL offering not included in Spend & Expense.
- Teams that need to carry a revolving balance, since this is a pay-in-full charge card with no revolving balance or APR.
- Businesses standardized on a card network other than Visa, as the card runs on Visa only.
Pricing
Card & limits
Rewards & cash back
Spend management
Security & compliance
Platform & integrations
Compare BILL Spend & Expense
Alternatives to BILL Spend & Expense
Airbase Mid-market spend management — corporate cards with AP automation, expenses, and procurement; now part of Paylocity.
View profile
American Express The incumbent business-card issuer — established Membership Rewards and premium perks across a broad charge and credit lineup.
View profile Brex AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.
View profileSources · 8 verified references
Affiliate disclosure. DecisionWire may earn a commission when you sign up through outbound links on this page, at no extra cost to you. Commissions never influence our data, scores, or rankings. Full disclosure.