Bill Divvy Corporate Card Review: Full Details

Bill Divvy Company Card Overview

This is a kind of card you may have never seen: Act Divvy Company Card It’s one Commercial Credit Card This will change the way you earn – if you pay your bills weekly or half a month, you can offer to purchase additional points. This return is even more impressive as the bill Divvy Corporate Card is a No annual fee credit card.

However, there are limited options for lucrative bonus categories and redemption points. Let’s see if this card is suitable for your business strategy. Card Rating*: ⭐

*Card rating It is based on the opinions of TPG editors and is not affected by the issuer.

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this Bill Divvy Company Card It’s one Commercial Credit Card There is no annual fee, which is a great option for fast-growing organizations and sole proprietors who want more control over their business spending.

No matter how big your business is, it is very convenient because it automates most of the paperwork details that own small businesses (we’ll step in later). However, if your payroll is small and you need to extend your credit line to your employees, some of the most notable features of the card will not work for you.

If you’ve already opened most other popular small business cards and are looking for something outside of Chase, Amex, Citi and other major issuers’ fields, this card may also attract you. It should not violate your Chase 5/24 statussince most small business cards do not appear in your personal credit report.

The bill states that this credit card is for people with “good to excellent” credit, so we recommend using 670 Credit Score Before applying or higher.

Bill Divvy Corporate Card Pros and Cons

advantage	shortcoming
Earn more bonuses by paying off your balance more frequently Flexible redemption method Extensive control over employee spending No annual fee	Rewards cannot be redeemed for one year Most redemption options don’t offer much value Lack of comprehensive protection for other business cards

Bill Divvy Company Card Welcome Discount

The good news is Bill Divvy Company Card There is a popular offer, but the bad news is that it is much lower than what you find in some Our Other Favorite Business Credit Cards. You are currently offering a welcome offer of $500 after you spend $500.

However, if you want to get a simple welcome offer, it’s hard to beat this offer. While many other commercial credit cards offer more profitable bonuses, they are often included. Expenditure Requirements For some businesses, it’s hard to meet.

Related: The best card for freelancers

Bill Divvy card benefits

When you check the benefits of these cards, remember two things:

• You may save money by counting every dollar.
• You are earning the biggest reward (almost) with every penny of your bill.

These are what Bill wants to achieve for your small business, and other cards may not be able to do it. I participated in a demo of the credit card, which does offer an advantage over all other small business cards in the aforementioned capacity.

Bill Divvy is also easy to get stuck on the bottom line, no Annual feeplus the extra cost of requiring an employee card, and there is no maximum limit on employee card.

However, the main function of this card is the way you can allocate your company’s credit limit.

One of the most worrying aspects of adding authorized users or employees to your main credit card is that they have picky access to your credit limit. The budget feature solves this problem because you can add a lot of money in a specific situation, only the time you are willing to spend.

As a budget owner, you can view extremely digestible dashboards for all allocating budgets. It contains graphs that reflect each budget size, how much it costs, and how much it is left. You can also create unlimited budgets.

For example, you can create a budget for each employee to make sure they don’t brag Credit limit Or add too many unexpected expenses. If employees go to a meeting, you can assign a dollar to their card. Once they reach the card limit, the card will drop.

Likewise, every employee can ask for the budget owner’s credit. If there are unforeseen expenses, budget owners can post more credit in real time.

You can also establish a “grace period” period that will not drop if the cardholder nominally violates the credit limit.

With Bill Divvy, you can grant different permissions to different cardholders. If for some reason you want another cardholder to access the account information, you can do this without handing over your personal login credentials.

Even if you can’t use your bill Divvy Corporate Card for all purchases, you can still enter any fee into the bill Divvy and make free purchases for your purchase without having to deposit free through ACH.

Points on the bill Divvy company card

The part you’ve been waiting for. this Bill Divvy Company Card Earn rewards on all expenses (generous in some categories).

In short, the bill reward strategy is to get more fees than other small business credit cards. Your income depends on two things:

• What reward categories do you spend on
• How often do you pay

The more you pay your bills, the higher the reward rate you will receive.

Here is what you will earn:

However, there are also some purchases that are excluded from the income point. These exceptions include:

• If your monthly expenses are 30% lower than your credit limit, any transactions in a given month
• Foreign transactions and foreign transaction fees
• Plastiq transactions

Earn up to 7 points per dollar In a restaurant – On a card without age? This certainly sounds above average. But let’s look at how these views are used and their value.

Related: What is the best business credit card to buy a catering business?

Redemption points on Bill Divvy’s company card

You must redeem your points Bill Divvy Company Card It is pointed out through the online platform for billing rewards.

Specify how many points you want to redeem and choose a redemption method:

Bill Divvy’s rewards are worth it at best. To redeem points, you need to earn at least 5,000 points in the first card member and your account must be at least one year. Here are the various ways to spend your points and the value you will get for each option.

As you can see, for most redemptions, the value of points is about half. If you are using this card to earn cash and pay your bills weekly, it’s like earning:

• 3.6% of restaurants (7 p.m. per dollar)
• 2.6% of hotels (5 p.m. per dollar)

For an unfamiliar card, this is very good. However, all other income plans using this card are not that good.

If you want to travel with rewards, then your rewards will be greater – but you are now competing with the elite travel credit card catalog, and sometimes you can give you more spending value if you know the best way to maximize Those rewards.

If you want to use bill split reward points to travel, this is a process:

• Pay travel expenses with a bill Divvy company card
• Click Redeem Rewards on your billing dashboard
• Fill in the reward form with the number of points to be redeemed
• Submit Form

Bill Divvy Rewards says your redemption will be processed within 10 business days.

The process is a two-edged sword. You can book directly with a travel provider instead of through a third-party portal, which is good news for those who want to use points for hotels, as you usually only earn Elite Night Points, Elite Rewards, Elite Benefits Credits and hotel points Book directly.

However, you have to use the bill Divvy Corporate card to keep your trip, which means those airline or hotel Credit cards will not receive additional rewards or built-in travel protection for these purchases.

Which cards compete with Bill Divvy corporate cards?

There are many other business cards that might be better for your company:

For additional options, check out our guide Best Business Credit Cards.

Related: Is Amex Business Gold worth the annual fee?

Is the Bill Divvy company card worth it?

If you are looking for a business card that doesn’t have a well-structured annual income and provides a lot of control over employee spending, the Bill Divvy Corporate Card is a worthwhile choice. However, you have to pay your bills weekly to maximize reward gains, which may not be ideal for all businesses. If you want greater reward flexibility, then there are better options in your business market.

Bottom line

Act Divvy Company Card There are some privileges that set it apart in the world of business credit card.

You can provide employees with varying levels of account access, set a strict budget for each employee card, and reimburse your expenses from personal payment methods to maintain the budget. Interestingly, you will get rewards based on how often you pay off your balance. You can earn 3.5 times your points by paying your bills weekly instead of monthly.

Even if the Bill Divvy Rewards system isn’t the best, this may be enough to stimulate many business owners to give it a try.

Related: How to get a business credit card

For Amex Commercial Gold rates and fees, please click here.