Revenue-based corporate card with AP + expense management on one platform.
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ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Early-revenue startups with 2–20 employees that need a corporate card and expense management without separate tools.
BILL Divvy Card — Revenue-based corporate card with AP + expense management on one platform. Best for: Early-revenue startups with 2–20 employees that need a corporate card and expense management without separate tools.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
BILL Divvy underwrites business cards based on your company's business cash flow and revenue rather than founder personal credit scores alone. The platform evaluates revenue, cash balance, and spending patterns to determine the credit limit. Early-revenue startups (typically with $5K–$10K+ monthly revenue) can qualify even if founder credit is thin. A soft personal guarantee may be required in some tiers — confirm the current underwriting terms and guarantee requirements at bill.com.
BILL Divvy has historically operated as a charge card with flexible payment cycles — balances are due in full at each payment cycle rather than revolving over time. Higher reward rates are tied to more frequent payment cycles (weekly, semimonthly, or monthly). Confirm the current card structure and payment terms at bill.com, as BILL has updated the Divvy product following its acquisition.
That is the platform's core proposition. BILL Divvy includes built-in expense management with real-time budget tracking, virtual card issuance for individual team members, approval workflows, and native integrations with QuickBooks, Xero, and NetSuite. For startups with 2–20 employees, BILL Divvy is designed to consolidate spend visibility and accounts payable on one platform, replacing separate expense-management subscriptions.
No. ClearValue Lending is a small business funding platform — not a card issuer or financial advisor. The BILL Divvy Card is offered by BILL (formerly Bill.com). All card terms, approval decisions, and rewards rates are determined solely by BILL. Verify current terms at bill.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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