Divvy (BILL Spend & Expense) Review (2025)
Free expense management and corporate cards for SMBs
Quick Summary
Divvy, now rebranded as BILL Spend & Expense, offers free spend management software paired with corporate credit cards that earn rewards. Popular with SMBs and growing teams, Divvy provides real-time expense tracking, budget controls, and automated expense reports without a software subscription fee.
⚡ TL;DR — Divvy (BILL Spend & Expense) at a Glance
- Best for: SMBs wanting free expense management, teams seeking card rewards, companies wanting budget controls without cost
- Not ideal for: Enterprise companies needing advanced ERP integrations, international companies
- Key strength: Free software
- Main limitation: Revenue-based credit limits
- Top integration: QuickBooks, NetSuite, Xero
Divvy (BILL Spend & Expense) Pros & Cons
✅ Pros
- +Free software
- +Real-time expense tracking
- +Built-in budget controls
- +Earn rewards on spend
- +Easy to use
❌ Cons
- −Revenue-based credit limits
- −US-only
- −Less powerful than paid platforms
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Divvy (BILL Spend & Expense) Pricing
Divvy (BILL Spend & Expense) uses a free pricing model. For exact pricing based on your team size and requirements, visit the Divvy (BILL Spend & Expense) website or contact their sales team.
Frequently Asked Questions
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Top Divvy (BILL Spend & Expense) Alternatives
Airbase
Total spend management for modern finance teams
Airbase (now part of Paylocity) is a comprehensive spend management platform that combines corporate cards, expense management, bill payments, and purchase order workflows into one system. Designed for mid-market companies, Airbase gives finance teams real-time visibility and control over every dollar spent.
Rho
All-in-one corporate banking and spend management
Rho is an integrated corporate banking and spend management platform that combines a business bank account, corporate cards, expense management, AP automation, and treasury — all in one. Rho targets mid-market and growth-stage companies that want to consolidate their financial stack.
Mercury
Banking built for startups and tech companies
Mercury is a fintech platform offering banking, treasury, and financial stack tools specifically designed for startups and venture-backed companies. With no monthly fees, powerful API access, and startup-friendly features like SAFE tracking and cap table integrations, Mercury has become the default bank for thousands of US startups.
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