BILL Spend & Expense (formerly Divvy)

Small and midsize U.S. businesses that want free budget-based spend control and a credit line, especially if they already use BILL for payables.

Visit BILL Spend & Expense (formerly Divvy) ↗See full comparison

Quick overview

Pricing: $0 per user per month
Plans: BILL's pricing page lists Spend & Expense at $0 per user per month and says it is free from subscription and per-user software fees. The BILL Divvy Card is a charge card: the full balance is due each billing cycle. Credit lines from $1,000 (BILL cites up to $5M or $15M on different parts of its requirements page), subject to underwriting; soft credit inquiry at application; no personal guarantee, per BILL. Issued by Divvy Pay, LLC's bank partners (including WebBank, Cross River Bank and WEX). No annual, per-card or monthly card fees. Rewards rates depend on how often you pay (daily, weekly or monthly); points have a 12-month holding period, a 5,000-point redemption minimum, and require monthly spend of at least 30% of the credit line. Paying invoices with a non-BILL card through Pay by Card costs 2.9%. BILL's separate AP and AR plans start at $49 per user per month.
G2 rating: 4.5 / 5.0
Comparisons: Featured in 2 comparisons

Key features

Budgets that hand out funds to teams and cards, with real-time tracking
Physical and virtual BILL Divvy Cards with a business credit line
Receipt capture, AI categorization and reimbursements in the mobile app
QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics and Xero integrations
Rewards that grow with how often you pay the balance

Pros

No software fee and no card fees
No published minimum bank balance; underwriting looks at the whole business
Budget-first setup suits teams that think in departments and projects
Pairs with BILL accounts payable if you already use it

Cons

Rewards rules are complex: 12-month holding period and a 30% of credit line spend requirement
BILL does not publish a full feature list per plan for Spend & Expense
Paying invoices by card costs 2.9%

BILL Spend & Expense (formerly Divvy) in our comparisons

Accounting & Finance

Best Expense Management Software

Ramp is the best expense management software for most U.S. small businesses that qualify: its free plan covers cards, receipts, approvals, reimbursements and QuickBooks or Xero sync. Choose Brex for funded startups with global teams, or Expensify if you want to keep your current cards.

Emily RodriguezUpdated October 2026

Accounting & Finance

Expensify alternatives

Switch to Ramp if you want a free corporate card with receipts, reimbursements, travel and accounting sync built in. Stay with Expensify if your team likes SmartScan and you can put most spend on the Expensify Card.

Emily RodriguezUpdated October 2026