Terms checked 2026-10-12
Budgeting software with a card attached, and rewards that depend on how fast you pay.
Special bonusAF: $0Rating: 7.0/10
BILL
The accounts-payable software company behind the Divvy corporate card, now branded BILL Spend and Expense. Underwriting looks at business financials with no personal guarantee for most approvals, and the free budgeting software enforces spend limits at the card level. The rewards program is heavily conditioned on payment frequency and is the weakest part of the package.
Application Rules
- ▸Credit lines are based on company financials and bank data, from $500 to multi-million scale
- ▸Bonus earn rates require weekly billing and cap at $5,000 of category spend per month
- ▸Points cannot be redeemed during the first 12 months and can be forfeited in inactive months
Tracked BILL Cards