BILL Divvy Corporate Card
By Alex Compton · Last verified
Budgeting software with a card attached, and rewards that depend on how fast you pay.
Welcome Bonus
None
No public welcome offer; weekly-billing multipliers of 7x restaurants, 5x hotels, 2x software and 1.5x everything else confirmed
Spend Requirement
None
Annual Fee
$0
0.9% FTF
Credit Score
Business
financials, no personal guarantee
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo public welcome offer; weekly-billing multipliers of 7x restaurants, 5x hotels, 2x software and 1.5x everything else confirmed | BILL rewards product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo public welcome offer | Archive record · no attached snapshot |
| 2025-06 | 0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Weekly 7x restaurants, 5x hotels, 2x software, 1.5x else; multipliers on first $5,000 per month; no welcome offer
BILL rewards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 7xRestaurants on the weekly payment planBonus rates apply to the first $5,000 per month and drop sharply on semi-monthly or monthly billing
- 5xHotels on the weekly payment plan
- 2xRecurring software on the weekly payment plan
- 1.5xEverything else on the weekly payment plan
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Free budgeting and spend-control software for every employee card
- ✦Credit lines from $500 up to multi-million scale
- ✦No personal guarantee for most approvals
Why it earns its spot
- +Headline 7x and 5x rates are huge if you genuinely pay weekly
- +Budget enforcement at the card level is best in class
Where it costs you
- −Rewards collapse on slower payment schedules and cap at $5,000 a month in bonus categories
- −Points can be forfeited in months with no card activity, and first-year points lock until month 12
- −Many redemptions value points at half a cent
The Compound Verdict
Buy it for the spend controls, not the points. The rewards program is a maze of payment-frequency tiers, caps, lockups and forfeiture rules that quietly devalues the headline 7x. Businesses that want the budgeting software get real value; businesses chasing simpler rewards should compare the cash-back rate shown in their Ramp agreement.
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