BILL
$0/mo est.
- Card type
- Charge
- Purchase APR
- Pay in full, no interest
- FX fee
- Not published at source
- Personal guarantee
- Not published at source
- Minimum to apply
- Typically over $20,000 cash, or revenue
- Est. fees /mo
- $0/mo
BILL
The BILL Divvy Card is a Visa charge card with free Spend & Expense software, underwritten on either a cash balance or credit and revenue.
Best for
Businesses on NetSuite or Sage Intacct that want free card software, and those that would rather be underwritten on credit and revenue than on a cash balance.
- Purchase APR
- Pay in full, no interest
- Annual fee
- $0
- Card type
- Charge
- Personal guarantee
- Not published at source
How BILL compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Airwallex Corporate Card
$0/mo est.
- Card type
- Debit (spends your balance)
- Purchase APR
- Not applicable
- FX fee
- None
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Mercury IO
$0/mo est.
- Card type
- Charge, cash-underwritten
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Relay Visa Credit Card
$0/mo est.
- Card type
- Charge
- Purchase APR
- Not published at source
- FX fee
- Not published at source
- Personal guarantee
- Not published at source
- Minimum to apply
- $50K/mo revenue, or $20K/mo plus $25K cash
- Est. fees /mo
- $0/mo
Strengths and trade-offs
Pros
- Free spend software on a single plan, with NetSuite and Sage Intacct sync included
- Soft credit inquiry only, with no hard pull
- A fixed line underwritten on credit and revenue, for businesses without a large cash balance
- Unlimited physical and virtual cards
- Rewards multipliers rise with more frequent repayment
Cons
- The issuing bank is disclosed only in the card agreement
- The authorized signer's personal credit is part of underwriting
- Foreign transaction fees exist but are not quantified publicly
- Rewards carry conditions, including a minimum share of the credit line spent each month
- Multi-entity is published for BILL's accounts payable product, not for the card
About BILL
BILL's card, the BILL Divvy Card, is part of BILL Spend & Expense and is run by Divvy Pay LLC, separately from BILL's paid accounts payable product. It is a charge card on the Visa network: the balance is due in full each cycle and no interest is charged. BILL does not name the issuing bank publicly; it is stated in each cardholder's own card agreement.
The Spend & Expense software is free, on a single plan that syncs to QuickBooks Online, QuickBooks Desktop, Oracle NetSuite, Xero and Sage Intacct, with unlimited physical and virtual cards.
There are two main routes to a credit line. A variable line is sized on the cash in a connected bank account, while a fixed line is underwritten on credit, business history and revenue without an ongoing bank connection; a pre-funded option also exists. Applying triggers a soft inquiry on both the business and the authorized signer, not a hard pull. BILL asks for a registered business and does not state whether a sole proprietor can apply.
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