BILL Spend & Expense (formerly Divvy)
Free corporate cards plus AI-powered spend and expense management (formerly Divvy): no software fees, no personal guarantee or security deposit, credit limits from $500 to $5M, budget controls and approval workflows, and a rewards program that returns cash back/points/travel to the business.
BILL Spend & Expense (formerly Divvy) is a banking and fintech perk from BILL Spend & Expense (Divvy), offering free spend management + corporate cards; rewards program, for startups in the US, no funding required.
- Value
- Free
- Who qualifies
- No funding needed
- Benefit type
- Free plan
- Terms
- Stated by provider
Inside BILL Spend & Expense (formerly Divvy)
BILL Divvy Card + software are free to use; credit limits from $500 to $5M with no security deposit and no personal guarantee; AI auto-categorization, custom budgets, and automated approval flows; rewards program (cash back, points, travel) on card spend; integrations with QuickBooks Online, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics.
Who it's for
- Funding / backing
- No funding needed
- Geography
- United States
- Recurring / expiry
- Ongoing
- Other requirements
- Card/credit-line approval based on business qualification.
How to apply for BILL Spend & Expense (formerly Divvy)
- Your incorporation details (EIN or company registration)
- A company email on your own website domain (not a personal address)
- 1Apply online at bill.com/product/spend-and-expense; credit line issued via Divvy Pay LLC's bank partners.
Compare other banking & fintech programs
BILL Spend & Expense (formerly Divvy) has eligibility restrictions. These alternatives have no accelerator or investor requirement. Check each provider’s current terms and availability.
BILL Spend & Expense (formerly Divvy): common questions
What do you get with BILL Spend & Expense (formerly Divvy)?
BILL Spend & Expense (formerly Divvy) offers free spend management + corporate cards; rewards program.
Who qualifies for BILL Spend & Expense (formerly Divvy)?
BILL Spend & Expense (formerly Divvy) is for startups in the US, no funding required. Card/credit-line approval based on business qualification.
Do I need to be VC-backed or in an accelerator to get BILL Spend & Expense (formerly Divvy)?
No. BILL Spend & Expense (formerly Divvy) is open to any startup that meets the stated criteria, no investor or accelerator backing required.
How do I apply for BILL Spend & Expense (formerly Divvy)?
Apply online at bill.com/product/spend-and-expense; credit line issued via Divvy Pay LLC's bank partners.
How long do I have to use BILL Spend & Expense (formerly Divvy), and does it expire?
Ongoing
Is BILL Spend & Expense (formerly Divvy) available outside the US?
BILL Spend & Expense (formerly Divvy) is available in the US.
Other Banking & Fintech programs
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