Business and corporate cards to empower teams of any scale

The BILL Divvy Card is a corporate charge card that provides businesses with a flexible line of credit and free-to-use expense management software. It works by allowing admins to set proactive budgets for departments or projects. When an employee swipes their card, the funds are instantly deducted from that specific budget, and the transaction data is automatically sent to the accounting team for real-time tracking.

The BILL platform offers a comprehensive suite of management tools, including:

• Enforceable budgets: Set spending limits that actually stop overspending before it happens.
• Instant card issuance: Send physical cards or create unlimited virtual cards in seconds.
• Automatic reconciliation: Deep syncs with ERPs (like QuickBooks and NetSuite) categorize transactions automatically.
• Mobile controls: Freeze cards, adjust limits, and request funds instantly via the mobile app.

Flexible rewards: Earn up to 7x points based on your payoff schedule.

Credit lines are flexible and range from $1,000 up to $5M, depending on your business’ financial health and application details.

No, the BILL Divvy Card has no annual fees and provides as many virtual cards as your company needs at no extra cost.^*

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^{*No interest charges apply for this charge card (balance due in full each cycle). Other fees may apply (e.g., late/returned payment, foreign currency, cross‑border); see your Cardholder Agreement. There may also be fees for separate transactions, processing, or other fees that may be imposed by third-party merchants for credit card usage.}

The BILL Divvy Card uses a performance-based rewards system: the more frequently you pay off your balance, the more points you earn. You can earn up to 7x points on restaurants and 5x points on hotels by choosing a weekly payment schedule. Points can be redeemed for cash back, statement credit, or gift cards.

Yes, you can empower each and every employee with their own BILL Divvy Card—and every card is linked to proactive spend controls where you call the shots.

Yes, the BILL Divvy Card integrates seamlessly with BILL Spend & Expense expense management software, automating manual expense reports and streamlining cumbersome reimbursement processes.

No, you can apply online in minutes with no impact to your credit.

Yes, BILL reports customer credit performance to the Small Business Financial Exchange (SBFE®), so you can build credit history and credit score for your business simply by paying on time.

You can qualify for a BILL Divvy Card when you have bad credit. Flexible underwriting is available and may be lenient with poor credit if you're willing to submit payments more frequently or accept a smaller credit line to start.

The BILL Divvy Card supports both physical and virtual cards, allowing quick, easy, contactless payments—including tap-to-pay with Visa, Apple Pay, and Google Pay.

You need to be a registered business (LLC, Corp, etc.) with a US business bank account and an EIN.

There are three main types of corporate cards, each designed for different business needs: 

• Credit cards: Have a set credit limit, and balances can be carried over from month to month. Interest is charged on unpaid balances.
• Charge cards: Have no preset spending limit, but the full balance must be paid at the end of each billing cycle. They're ideal for businesses that want tighter control and no revolving debt.
• Prepaid cards: Loaded with a set dollar amount in advance, making them best for strict budget control with no risk of overspending.

The BILL Divvy Card is a charge card that combines the spending flexibility with built-in expense management software—giving finance teams real-time visibility, automated expense reporting, and proactive spend controls, all in one platform.

Corporate cards empower employees to handle business expenses without using personal funds or waiting for reimbursements. For the company, they provide real-time visibility into spending, and offer robust fraud protection. When paired with software like BILL Spend & Expense, they can automate expense reporting and simplify month-end reconciliation.