Both are no-personal-guarantee corporate cards for startups. Stripe Corporate Card underwrites on your Stripe processing history — the natural fit for startups already running payments on Stripe. BILL Divvy is revenue-based and bundles accounts-payable and expense management on one platform at a $0 annual fee. Pick Stripe if your business runs on Stripe, Divvy if you want integrated spend controls + bill-pay alongside the card.
Stripe
Underwrites on Stripe processing history — no PG for Stripe-platform startups.
Pros
BILL
Revenue-based corporate card with AP + expense management on one platform.
Pros
Pick Stripe Corporate Card if: SaaS, e-commerce, and marketplace startups actively processing through Stripe who want a no-personal-guarantee corporate card.
Pick BILL Divvy Card if: Early-revenue startups with 2–20 employees that need a corporate card and expense management without separate tools.
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Neither Stripe Corporate Card nor BILL Divvy (now BILL Spend & Expense) requires a personal guarantee. Both underwrite on the business entity — Stripe off your Stripe payment processing history and account balance, BILL Divvy off business revenue and bank account activity. This is structurally different from traditional small-business cards (Chase Ink, Amex Business) that require a personal guarantee and a personal credit pull. EIN-only underwriting means no personal liability if the business defaults. Source: Stripe and BILL product disclosures.
Stripe Corporate Card underwrites exclusively off your Stripe account — it evaluates your payment volume, processing history, and cash balance on Stripe. Businesses without meaningful Stripe history will not qualify. BILL Divvy (BILL Spend & Expense) underwrites off general business revenue and bank account activity — it does not require Stripe integration and works for businesses on any payment stack. If your company processes significant revenue on Stripe, Stripe Corporate Card is a natural fit; otherwise BILL Divvy is more accessible.
Yes. BILL Spend & Expense (formerly Divvy) is a combined corporate card and spend-management platform — it includes built-in accounts payable (AP automation), expense reporting, budget controls, and receipt capture at no additional cost. Stripe Corporate Card is a pure corporate card without a bundled AP or expense management layer; you'd need a separate tool (Expensify, Ramp's platform, etc.) for expense management. If unified spend controls and AP on one platform matter, BILL has a structural advantage.
Stripe Corporate Card earns 1.5% cash back on eligible purchases. BILL Divvy offers a tiered rewards structure — up to 7X on restaurants, 5X on hotels, 2X on recurring software subscriptions, and 1.5X on everything else, but the higher multipliers apply when you pay the balance weekly rather than monthly. BILL's rewards model incentivizes faster repayment cycles. Both are corporate charge cards (no revolving credit), so balance management is a structural requirement of both programs. Verify current reward rates with each issuer.
BILL Divvy (BILL Spend & Expense) reports account activity to Dun & Bradstreet and other business credit bureaus — on-time payments help build your business credit profile. Stripe Corporate Card does not currently report to business credit bureaus as a standard feature. If building a business credit file is a priority, BILL Divvy has a structural advantage for that objective. Source: Dun & Bradstreet at dnb.com; issuer disclosures.
BILL Divvy (BILL Spend & Expense) is the better choice for startups not on Stripe — its underwriting is based on business revenue and bank account balance, not Stripe processing history. Stripe Corporate Card is purpose-built for Stripe-native businesses and will not approve companies with little or no Stripe activity. If your revenue runs on Shopify Payments, Square, PayPal, or direct bank transfers rather than Stripe's payment infrastructure, BILL Divvy is the accessible option with comparable no-personal-guarantee terms.
Independent editorial comparison. ClearValue Lending is not the issuer of any product compared here; affiliate links may pay a referral commission at no cost to you — selection is independent of compensation.