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Divvy Business Credit Card review

Earn up to 7x points back when you pay your card expenses weekly.

  • Get this card if you’re a small business owner, you want to earn rewards and you want greater control over your credit budgeting.
  • Pick something else if you want a card with more valuable redemption options or a signup bonus, or you want to carry a balance with your card.
  • Apply with a good to excellent credit score of 670 or higher.

Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else

Rewards

$0

Annual fee

Pay balance in full according to your payment schedule

Purchase APR

670

Minimum Credit Score

Details

Annual fee$0
Welcome offerN/A
RewardsMonthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
Purchase APRPay balance in full according to your payment schedule
Minimum Credit Score670
IssuerVisa

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Divvy Business Credit Card is the credit card of Divvy, a credit and software combo designed to help businesses manage their expenses and budgets while accessing credit. It requires no annual fee and has an interesting feature that can let you earn up to 7x points on eligible purchases depending on the category and how often you pay off your credit card. The card also has several budgeting and accounting features for your business, including the ability to budget out your credit line to the rest of your employees.

One of the most interesting features of the Divvy Business Credit Card is the reward structure. The more frequently you pay off your credit card, the more you’ll earn in select categories. For example, make your payments monthly and you’ll earn 2x points on restaurants and hotels, 1.5x on software subscriptions and 1x on everything else. But if you pay your card off weekly, those values will jump to 7x, 5x, 2x and 1.5x points. You can redeem these points on a variety of options, such as travel, gift cards or cash back. One thing that isn’t especially clear on the website is this card works more like a charge card than a credit card. Once your repayment plan, you’re locked in and must make those payments in full. If you need to carry a balance, this isn’t the card for you.

What is made clear on the website is the point values: your points are worth about 1 cent a piece when redeemed on travel, but much less on other redemption options to the tune of about 0.05 cents each. This means you’re somewhat constrained if you’re trying to get the max value out of this card. You’ll need to pay weekly and redeem only on travel for your best value play.

Overall, the combination of expense management tools, rewards and lack of fees make the Divvy Business Credit Card an attractive business card option for smaller businesses or businesses looking for some extra help in the finance management department — provided your business is willing to work with a charge card.

How to apply for the Divvy Business Credit Card

To apply for the Divvy Business Credit Card:

  1. Select Apply now.
  2. At the top menu bar, mouse over Product and click Corporate credit under the Business credit label
  3. Fill out the requested information, including your name, email address, phone number, company and number of employees, then click Get started

Divvy Business Credit Card benefits

  • Earn points based on your spending. The Divvy Business card earns more points per eligible category based on how often you pay your credit card balance.
    • Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
    • Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
    • Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
  • Special offers. Divvy offers a rotating selection of special offers through its partners. This includes perks like discounts on business services such as Google Ads, Vistaprint and Gusto.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Spend management software. The Divvy Business Credit Card works in tandem with Divvy budgeting software. This software lets you track and control your budgets, send funds and more.

Divvy Business Credit Card drawbacks

  • Poor point redemption value. Points are worth 1 cent a piece only when redeemed on travel. Other redemption options, including cash back, are worth around a half cent each.
  • Works more like a charge card. Once you’ve selected your repayment timing, you’re locked in and must make those payments accordingly. This means the card works more like a charge card than a credit card that lets you carry a balance.
  • Earning rates locked to payment schedule. If you can’t pay your credit card balance weekly, this card loses a lot of its value.

Compare business credit cards

Check out similar business credit cards to see what else is available and make sure you find the right one.

Name Product Rewards Purchase APR Annual fee
Premium Capital on Tap Business Credit Card
2% cashback on all purchases
9.99% to 34.99% variable
$0
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Ramp Visa® Commercial Card
1.5% cashback on all purchases
N/A
$0
Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
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Divvy Business Credit Card customer reviews and complaints

Divvy is not accredited with the Better Business Bureau as of July 2021 and currently has a D rating with the organization. Of the six complaints lodged against the bank, all six were closed to satisfaction.

Divvy has a 4.3 out of 5 rating on Trustpilot as of July 2021, though has just 141 customer reviews to its name.

Bottom line

The Divvy Business Credit Card offers some interesting value propositions for smaller companies — particularly those also looking for some financial management services to help them track their spending. However, larger businesses, those who don’t need the attached software or those who can’t or won’t make weekly payments might find better value in another business credit card.

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