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Divvy Credit Card Review 2023: Is This Business Card Legit?

Divvy Credit Card Review: What is Divvy, and can you use this business card as a credit builder?

Lauren Bedford - Finance Writer
Written by

Lauren Bedford

Lauren Bedford - Finance Writer
Written by
Lauren Bedford
Finance Writer

Lauren is a published content writer and journalist. In the last five years, she has written about a range of subjects, including business, technology, and finance.

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Derek Sall - Founder/Personal Finance Expert
Reviewed by

Derek Sall

Verified by an expert
Derek Sall - Founder/Personal Finance Expert
Reviewed by
Derek Sall
Founder/Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

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Kacper Kozicki - Editor-in-Chief
Edited by

Kacper Kozicki

Kacper Kozicki - Editor-in-Chief
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Kacper Kozicki

Kacper is an editor, writer, and multilingual translator with expertise in producing tailored content for global online brands.

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Halina Grzeskiewicz - Finance Writer

Halina Grzeskiewicz

Halina Grzeskiewicz - Finance Writer
Halina Grzeskiewicz
Finance Writer

Content writer with nearly 5 years of experience. Halina has written about several topics, including human resources, technology, Forex, cryptocurrencies, and personal finance.

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16 min
July, 28 2023

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Being a small to medium-sized business owner is no walk in the park. With cagey customers and painful price increases, having a business card you can rely on would be nice.

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The Divvy Card has expense tracking, employee spending controls, and some eye-catching rewards.

But is this corporate card going to boost your business, or are you better off looking elsewhere?

This article will show you:

  • All you need to know about the Divvy card. 
  • A breakdown of Divvy’s requirements, rewards, and credit scores. 
  • How the Divvy corporate card compares to other business cards. 

Read more: 

Divvy Credit Card at a Glance

Full name: Divvy Card 

Best for: Small to medium-sized businesses

Issuer: BILL

Required credit score: 670 or more

What Is a Divvy Credit Card?

The Divvy card is a charge card that helps businesses manage their expenses. 

While similar to a credit card, a charge card means you must pay off your charges in full at the end of each billing period.

Divvy lets you assign spending limits to each employee and track their expenses in real-time—all on one platform. 

This handy feature helps small businesses control their spending and manage their budgets. 

Another benefit of using the Divvy card is earning rewards on a weekly, semi-monthly, and monthly billing cycle

The rewards program includes up to 7x points on restaurants, 5x on hotels, 2x on software subscriptions, and 1.5x on everything else. 

One of the primary perks of the Divvy card is the easy-to-use platform, which lets you view all your expenses in one place—making it easier to keep track and stay organized. 

How does the Divvy Credit Card work?

Divvy offers credit lines that go up to a whopping $15 million. 

When applying, you’re free to choose a credit line amount that suits your business, which you can increase if scaling up is in the future. 

Once you’ve got the card, you can assign each purchase to a specific budget category, project, or employee—with all transactions tracked in real time. 

You can also set alerts and notifications to stay on top of any overspending or suspicious activity.

At the end of the month, you’ll get a statement that shows all your expenses broken down by category. This is a great way to adjust your budget and figure out who’s spending extra on those “coffee runs.” 

What really sets Divvy apart is the rewards system, though. 

You can earn up to 7x points on restaurants, 5x on hotels, 2x on software subscriptions, and 1.5x on everything else.

The points depend on your billing cycle (monthly, semi-monthly, or weekly), and you need to spend at least 30% of your credit line in a month. 

You must also have the card for a year before you can start raking in those rewards (more on that later).

Read more:

Divvy Credit Card: Quick Summary Review

Here are some quick facts to get you started:



Annual fee


Intro offer 

No intro offer

Standard rewards

Up to 1.5x points on all other purchases

Maximum rewards 

Up to 7x points on restaurants

Up to 5x points on hotels

Up to 2x points on software subscriptions

Overall rating 


Check out more business card alternatives

Divvy Credit Card Fees & Rates

Divvy is technically a charge card, not a credit card—so it doesn’t come with the same batch of fees as other cards. 

Need proof? 

Here are the fees that you will (and won’t) find with the Divvy card:



Annual fee


Processing fee


Monthly maintenance fee




APR for cash advances


Balance transfer fee 


Cash advance fee 


Foreign transaction fee


Late fee 

2.99% or $38, whichever is greater

Minimum interest charge fee 


Returned payment fee 


Over limit fee 


Additional card fee 


Divvy Credit Card: Pros & Cons

If your business is your baby, you don’t want to choose any old card without doing your research. 

Here’s a rundown of all the Divvy benefits and drawbacks:


  • No annual fee.
  • Cashback rewards.
  • Real-time expense tracking.
  • Employee spending limits.
  • Easy-to-use platform.


  • No intro offer.
  • Limited rewards categories.
  • Complicated rewards structure.
  • Late payment fees.

Pros: What we like

No annual fee

The Divvy card has no annual fee, which can save you a ton of money over time. 

With no annual fee, you can use the card without worrying about shelling out more cash. This makes it the ideal choice for businesses that need to watch their bottom line. 

Generous rewards

Divvy offers an impressive rewards structure with different opportunities for earning. 

You can get up to 7x points when you spend smart on categories like hotels and dining. 

These rewards can help offset the cost of running your business, so you can keep those profits flowing. 

Real-time expense tracking

Divvy’s got a real-time expense tracking feature that lets you view all your business expenses in one place and get alerts when things get a little too spendy. 

This helps keep your finances on point, so you can make top-notch decisions about how to allocate (or divvy up) your resources. 

Employee spending limits

With the ability to set spending limits for each employee, you can put the kibosh on overspending before it even happens. 

No more worrying about that one employee whose business expenses look a little questionable. 

Easy-to-use platform

Divvy’s got a platform that’s so easy to use that even the most tech-averse could handle it. 

Its user-friendly interface comes complete with an expense tracker and the option to set spending limits. 

Cons: Things to consider 

No intro offer

Unlike other credit cards that might offer a cash reward when you sign up, Divvy’s got no such thing. 

This means you won’t get any immediate rewards (or instant gratification) after signing up for the card.

Limited rewards categories

Divvy’s got some impressive rewards, but there’s a catch—the rewards are only available for select categories like software subscriptions and dining. 

Plus, you’ll earn less if your account has a monthly billing cycle (as opposed to daily or semi-monthly). 

Complicated rewards structure 

The complicated rewards structure of the Divvy card can be tricky to navigate. 

With multiple point multipliers and redemption options, figuring out how to earn and use your rewards can be hard

This can be frustrating if you just want a straightforward rewards program.

Late payment fees

This is another potential downside of the Divvy card.

If you miss a payment or make it late, you’ll be hit with a fee of 2.99% or $38, whichever is greater.

This can add up quickly, making it a costly mistake for businesses to make.

Divvy Credit Card: Things to Know

How do the Divvy rewards work? 

The Divvy rewards program has its own way of doing things. 

Divvy rewards a point for every dollar spent in an account. 

Sounds simple—but these points are determined based on the account’s billing cycle and transaction type:


Weekly, daily, or prepaid




7x points 

4x points 

2x points 


5x points 

3x points 

2x points

Recurring software subscriptions

2x points 

1.75x points 

1.5x points 

Other eligible purchases 

1.5x points 

1x points 

1x points 

To get those rewards, you have to spend at least 30% of your credit line each month and be a Divvy customer for at least a year. 

There are plenty of transactions that will get you some points, and once you’ve racked up 5,000, you can redeem them for rewards.

Just keep in mind that these rewards only apply to the first $5,000 spent in a month

All subsequent transactions will earn rewards at the “other eligible purchases” rate.

Here are your redemption options and how much your Divvy points are worth:

Redemption option


Point value 


You’ll receive your cashback via check through the mail within 10 business days.

0.0052 cents per point (100,000 points equals $520)

Gift cards

You’ll get a Tango gift card via email within 3–5 days with instructions. 

0.0051 cents per point (100,000 points equals $510)

Statement credit

Your statement credit will show up as an adjustment on your next monthly statement. 

0.0049 cents per point (100,000 points equals $490)


They will apply the amount as a reimbursement after booking with your Divvy card through their travel partners. 

0.01 cent per point (100,000 points equals $1,000)

Are your rewards not redeeming? 

If your account is younger than a year old, you won’t be able to reap those rewards yet. 

Other reasons could be that you don’t have 5,000 points saved up, or you’ve been late on your payments. 

When choosing a card based on the rewards, there’s plenty you should look out for. 

Find a card that pays you back for your usual spending. Maybe it’s cashback on groceries or points for travel. Frequent flyers should look out for perks like lounge access or travel insurance. On the purchasing front, keep an eye out for cards offering extended warranties or price protection.

Branson KnowlesHead of US digital banking at Top Mobile Banks

If you like rewards, check out our top cashback credit cards.

What are the Divvy Business credit card requirements?

To get your hands on the Divvy Business card, there are a few requirements you’ll need to meet:

  • Annual revenue: Your business must have a minimum annual revenue threshold, which can vary depending on the accounting integrations you use to verify your revenue.
  • Business history: Divvy considers a company’s business history in its eligibility requirements, such as how well the business is performing over time.
  • Cash balances: Businesses must maintain a minimum cash balance of $20,000 in an active account. This is so you have enough cash flow to pay off your expenses and credit card bills.
  • Credit score: Divvy considers personal and business credit scores when assessing eligibility. You’ll need to have a good to very good FICO credit score to be approved (over 670). 
  • Location: Divvy is only available for businesses in the United States. If your business is based outside the US, you won’t be able to use Divvy.

Read more: 

How to get approved for a Divvy Business credit card?

Aside from Divvy’s standard credit card requirements, here are some more steps you can take to boost your chances of being approved:

  1. Check the legal requirements: Make sure that your business meets the legal requirements for applying. This means you’ll need a legally recognized business in the US (such as a corporation, partnership, or sole proprietorship).
  2. Have a good credit score: While there’s no specific credit score requirement for the Divvy card, it’s recommended that you have a good score of at least 670. You can check your credit score for free on websites like Credit Karma
  3. Gather your documents: Once you’re confident about meeting the legal and credit requirements, it’s time to gather any necessary financial information. This can include your personal income, business revenue, and tax returns. 
  4. Provide accurate information: Double-check your application for errors before sending it off. You don’t want to run into any issues that could delay your approval.

Divvy typically delivers a decision on credit card applications within a few days. 

Keep reading to find out how to activate the card once it arrives— 

How to activate the Divvy card?

If you’ve got hold of your physical Divvy card, you should get an email with everything you need to know about how to activate it. 

But if you missed the memo—we’ve got your back.

The first option is to activate your card through the mobile app. 

Just go to the “Wallet” icon in the Navigation Bar and select the “Activate Card” button. Then all you have to do is enter the last four digits of your card number and tap “Activate.” 

Another option is heading to the web browser.

You can choose your username from the Navigation Menu. From there, just select the “Activate Card” button and enter the last four digits of your card number to activate. 

Does Divvy report to credit bureaus?

As part of Divvy’s credit builder program, they report your credit performance to the Small Business Financial Exchange (SBFE). 

They’re not a credit bureau, but they collect payment data for small businesses in the US.

SBFE then shares this data with certified vendors like Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions. 

These vendors use this data to create a credit report and credit risk score for your business.

Can you use your Divvy card as a credit-builder? 

Yes. If you use your Divvy card responsibly by making on-time payments and keeping your credit utilization ratio low, you can improve your credit score over time

But if you miss payments or max out your credit, it could hurt your score.

Find out how to build business credit

What’s the Divvy credit card limit?

Divvy boasts an eye-opening credit limit of $15 million.

But don’t get too excited. You’ll have to pay off your card regularly, and you can’t carry a balance from month to month.

While you can request a high credit limit, what you get will depend on your creditworthiness, business revenue, and expenses

So if you have a good credit score and a booming business, they’re more likely to approve you for a higher credit limit than someone with a lower score.

You’ll also get a budget limit, which you can choose for internal company control. 

And if you really want to keep tabs on everything, you can also set limits for each budget member or vendor card within the budget.

How do I contact Divvy Business credit card customer service?

Tracking down credit card contact information can be like trying to find a penny in a parking lot—you could be there for a while. 

Luckily, Divvy has all their customer service details nicely laid out on their site. 

Here’s how you can contact their customer service team:

  • Phone: Call the Divvy customer service number at (855) 229-3111. They’re open to chat from 6:00 a.m. until 8:00 p.m. MT during the week and 7:00 a.m.–4:00 p.m. MT during the weekend. You can also call the Divvy credit card contact number (385-352-0374) for credit application issues. 
  • Email: You can email customer support at help.getdivvy.com or [email protected] if you need help with your credit application. 
  • Chat: By signing in to your account, you can chat with a team member from 6:00 a.m. until 10:00 p.m. MT on weekdays and 7:00 a.m.–4:00 p.m. MT on weekends. 

Divvy Credit Card Reviews

One of the best ways to check out a card is by asking those who’ve had firsthand experience. And unfortunately for Divvy, not all customers are singing their praises. 

Divvy has received a rating of 2.5 out of 401 reviews on Trustpilot—with 47% giving it five stars and 43% hitting it with a one-star rating. 

One customer took issue with the customer service, “I’ve attempted to call, email, and online chat for days. All you get is a person on an island who says they have created a ticket, but have no way to actually talk to anyone who can actually take action.” 

Others have questioned how Divvy collects data, “After you fill in all the data on your company, the automatic robot will tell you if you’re eligible for a card or not. So I received a pre-approved credit, but after one day the application was deleted automatically. I believe that Divvy collects personal data from US companies.” 

But it’s not all doom and gloom. There are also a bunch of positive Divvy reviews. 

One happy customer explained how Divvy helped their business, “Divvy is a game changer for our business. We send out over 300 company cards every summer to our employees/volunteers, and it has saved us hundreds of hours of expensing work.

And others have highlighted how easy Divvy is to use, “We shoot commercials and need to attribute the correct expenses to the correct shoot budget. Divvy has stepped in and made that extraordinarily easy. I would say Divvy saves us at least two full business days each month in terms of our month-end close.

While reviews aren’t always the most accurate source of information, it’s definitely worth checking out customer complaints, so you know what to watch out for. 

If this has you thinking about other card options, check out the comparison section below.

How Does the Divvy Card Compare? 

When it comes to your business, you don’t want to settle on the first card you see. It’s always wise to do your research and see what the competition has to offer. 

So it’s time for the battle of the business cards—let’s find out which card can boost your business: 


Divvy Card 

Amex Blue Business Plus

Capital One Spark Cash Plus

Annual fee




(refunded every year you spend at least $150,000)


Up to 7x points on restaurants

Up to 5x points on hotels

Up to 2x points on software subscriptions

2x points on everyday eligible business purchases

1x points on other eligible purchases

Unlimited 5% cashback on hotels and rental cars

2% cashback on other eligible purchases

Intro offer

No intro offer 

Earn 15,000 points

after you spend $3,000 in your first 3 months

Earn $1,200 when you spend $30,000 in the first 3 months

Find out how to get a business card in four simple steps. 

Divvy Credit Card: Useful Links

Is the Divvy Credit Card Good For Me?

The Divvy Credit Card may be a good fit for you if—

  • You own a small to medium-sized business.
  • You want real-time expense tracking and employee spending controls.
  • You want a card that offers cashback rewards for eligible purchases.

The Divvy Credit Card is designed specifically for small and medium-sized businesses, offering a variety of features and benefits that can help you keep your expenses under control and save money over time. 

With real-time expense tracking and employee spending controls, you can play detective and make sure your employees aren’t spending too much. 

And with Divvy, you’ll get rewards on eligible purchases—which helps keep your expenses low and your profits high.

Just keep in mind that those rewards can vary based on your billing cycle. And if you’re on the hunt for a more traditional credit card, you might want to look elsewhere. 


Who does Divvy report to?

The Business Divvy credit card activity is reported to business credit bureaus such as Equifax and Experian Business. 

Reporting to credit bureaus is important because it helps establish and build a credit history, which can be used to obtain better financing options in the future.

Discover the best ways to build credit with a credit card

Does Divvy report to Dun and Bradstreet?

Yes, Divvy reports to Dun & Bradstreet. 

As a business credit bureau, Dun & Bradstreet is one of the main reporting agencies for business credit activity.

By reporting to Dun & Bradstreet, Divvy helps small and medium-sized businesses build their credit history and improve their chances of obtaining financing in the future. 

This can be especially important for small businesses just starting out or with limited credit history.

What’s the Divvy minimum credit score requirement? 

The minimum credit score for Divvy is 670—or anything from a good to very good credit score on the FICO scale. 

Having a strong credit history and improving your credit score can help increase your chances of approval and may result in better terms and rates. 

It’s always a good idea to check your credit report and score before applying for credit and to take steps to improve your creditworthiness if necessary.

Does Divvy do a hard pull? 

No, Divvy doesn’t make a hard inquiry into your credit report. 

After completing your Divvy application, they will do a soft inquiry into the business and your personal credit to decide the best credit limit for your business. 

A soft inquiry doesn’t have any effect on your credit, so it won’t harm your credit score in any way. 

Discover the best tips to boost your credit

Is Divvy a credit card?

No, Divvy is a charge card—which means you must pay off your charges in full at the end of each billing period. 

The card is specifically designed for small to medium-sized businesses and offers a variety of features and benefits to help businesses manage their expenses. 

If a charge card isn’t for you, check out our best credit cards

Does Divvy pull personal credit?

Yes, Divvy may pull personal credit when you apply for their business credit card

This is because Divvy considers both personal and business credit information when reviewing applications. 

However, Divvy doesn’t report personal credit activity to business credit bureaus unless you have a personal guarantee on your business account. 

If you’re concerned about the impact of a credit check on your credit score, be sure to check your credit report and score beforehand. 

Is Divvy legit?

Yes, Divvy is a legitimate company that offers a variety of financial products and services, including business credit cards and Divvy expense management software. 

The company has been in business since 2016 and has received mixed reviews from its customers and industry experts. 

Additionally, Divvy has partnered with major financial institutions such as Visa and Bancorp Bank to provide its services. 

However, as with any financial product or service, it’s important to do your own research and due diligence before making any decisions or signing up for anything.


See all

Divvy is rated “Poor” with 2.5 / 5 on Trustpilot. (2023, June 23). Trustpilot. https://www.trustpilot.com/review/getdivvy.com

Divvy Help Center. (n.d.). Retrieved June 26, 2023, from https://help.getdivvy.com/en/

Business Credit—Corporate Cards for any Size Business | Divvy. (n.d.). Retrieved June 27, 2023, from https://getdivvy.com/credit