Business spending that pays you back

Reward points are calculated by awarding a point multiplier for each dollar spent on eligible BILL Divvy Card transactions* in an account. Point multipliers are determined by an account’s billing cycle and the transaction type. 

Multipliers apply to the first $5,000 spent in a month and all subsequent eligible transactions will earn rewards at the Everything Else* multiplier. For example, if your first $5,000 spent in a month was on hotels, the Hotels multiplier would apply to that $5,000, but all subsequent eligible transactions for that month would be given the Everything Else* multiplier, even if the transactions were for restaurants, hotels, or software subscriptions.

Most transactions are eligible for earning rewards points. The following transactions do not accrue points:

• Any transactions from a given month if your total monthly spend is less than 30% below credit line
• Foreign transactions and foreign transaction fees
• Plastiq transactions

Rewards provides four redemption options:

‍Cash Back: The redemption amount is either sent to your bank account via ACH or mailed via check to the address on your BILL Spend & Expense account within 15 business days of redemption.

‍Statement Credit: The redemption amount is applied as an adjustment on your next monthly statement.

‍Travel: The redemption amount will be applied as a reimbursement after you have booked travel using your BILL Divvy Card. Reimbursement can be applied as statement credit, mailed check, or ACH and may take up to 10 business days.

‍Gift Cards: The redemption amount can be used for gift cards to a variety of brands and stores. You will receive an email from Tango within 3-5 days of redemption that will provide instructions for selecting the gift card merchant.

Beyond the rewards and cashback you’ll earn, the BILL Divvy card also offers all the cardholder benefits associated with the Visa Signature Business card program. These are the benefits you get simply for having and using the card. These benefits include things like:

• Visa Signature Travel and Emergency Assistance
• Auto Rental Collision Damage Waiver
• Visa Signature Rental Car Privileges
• Travel Accident Insurance
• Lost Luggage Reimbursement
• Roadside Dispatch
• and more

Refer to BILL’s complete list of card holder benefits here.

Yes. Here is the point value breakdown:

• Cash Back: 0.0052 cents/point (100,000 points equals $520)
• Gift Cards: 0.0051 cents/point (100,000 points equals $510)
• Statement Credit 0.0049 cents/point (100,000 points equals $490)
• TravelPerk transactions: .01 cent/point (100,000 points equals $1,000)
• Other travel-related transactions: 0.0052 cents/point (100,000 points equals $520)

To retain your earned rewards in any month, you must spend at least 30% of your credit line for that month. If you do not spend at least 30% of your credit line in a given month, you will forfeit any earned rewards points from that month.Your accrued rewards points will be forfeited if:

• You spend $0 in any given month.
• You are delinquent or default on your payment at any time.
• You are not a customer at the end of the initial 12-month period.

When you first sign up for a BILL Spend & Expense account, you begin a 12-month period where you can earn rewards points, but not redeem them. Once you have passed the initial 12-month period, you will be able to redeem rewards at any time, as long as you have accrued at least 5,000 points. To be eligible to redeem rewards points, you must meet the following criteria:

• You have been a BILL Spend & Expense customer for a year.
• You have accumulated at least 5,000 points.
• Your account is not past due.

Note: You may forfeit accumulated rewards points in a given month if you do not meet the rewards requirements for that month.

At BILL, cash back is one of the many rewards we offer. The redemption amount can be sent to your bank account via ACH or mailed via check to the address listed on your BILL Spend & Expense account within 15 business days of redemption.