Choose BILL Spend & Expense over Ramp

BILL Spend & Expense is the Ramp alternative ready to solve your expense management woes. It’s a knockout combo: corporate cards, free software, and flexible business credit for a serious spend and expense upgrade. Enter your details to get started.

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how it works

Meet your all-in-one expense management solution

1. Everyone in your company who spends gets a BILL Divvy Card.
2. Spenders request funds with the mobile app.
3. They spend as needed, take a photo of their receipt, and categorize their spend.
4. When they hit their limit, that’s it—they can’t go over budget.
5. Every expense is tracked, so expense reports are automatically created.

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Business credit

What could you do with more cash? Access credit lines from $1000-$5M¹. Apply in minutes.

Expense management

Automatic expense reports mean no more tracking down receipts and no more wasting time.

Budget management

Tame budget chaos. Customizable controls empower you to dial in spend and stick to the plan.

Mobile app

Request funds and categorize spend with just a few taps. No more guesswork—track spending in real time.

Virtual cards

Use a unique card number for every vendor, avoid overcharges and help prevent fraud.

Reimbursements

Can’t use your card? No problem. Track out-of-pocket expenses and manage reimbursements all in one place.

Spend & Expense pricing

^$0

user/
month

No hidden fees or contracts²

Completely free-to-use software

As many physical and virtual cards as you need

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Hear from real customers

“Every [BILL Divvy card] transaction takes 10 seconds total for me to review and book. There were 833 transactions on the old system in July, so potentially 4.5 hours could be saved each month just by using [our BILL Divvy Cards].”

Stephanie Ho, Senior Accountant

Lambda

Frequently asked questions

How do I get started with the BILL Divvy Card?

You can take a 30-minute demo to see how our corporate card can help you ditch expense reports and take control of your budgets. We can also give you automated credit decisions within minutes.

Can I earn rewards on my BILL Divvy Card?

Yes! You can earn flexible rewards including cash back, travel, statement credits, and gift cards.

Will it integrate with my accounting software?

Our software has automatic 1-way sync with leading accounting systems, including:

QuickBooks Online
QuickBooks Desktop
Oracle Netsuite
Sage Intacct

Setting up the integration from scratch takes about 10–15 minutes including connecting and mapping the systems together.

How much does the product cost?

The software is free—we don’t have confusing contracts or hidden fees. So how do we make money by offering it? Every time you spend money on the BILL Divvy Card, the merchant pays a fee to Visa and the issuing bank. When you spend using the BILL Divvy Card, that fee is shared with us–allowing us to build and provide this software for free.

How many virtual cards can I create?

As many as you need. Want a separate virtual card for every vendor and every online purchase? No problem—you can create a new one in seconds.