BILL Divvy Card
Get flexible credit limits, zero annual fees, and earn up to 7x points on restaurants. Ideal for businesses needing simple, cash flow-based approval.
The BILL Divvy Card offers Canadian businesses flexible credit limits with no annual fees. Approval is based on cash flow and business stability, not just credit score. You can qualify for limits ranging from $1,000 to $5,000,000, and earn up to 7x points on restaurants, 5x on hotels, and 2x on recurring software. There are zero hidden charges, making it a scalable choice as your organization grows.
Step-by-step to apply
Start by gathering your business details, and relevant financials. Complete the application on the official website, wait for the automatic review, and receive your approval decision quickly. If approved, you’ll get set up with software tools to manage spend and cards for your team.
Key pros of the BILL Divvy Card
The standout advantage is no annual or per-user fees, plus flexible, high credit limits as your business expands. Integrated spend and expense management means simplified workflows for finance teams, saving significant admin time.
Automation and budgeting tools come at no extra cost, and rewards rates can reach up to 7x with weekly billing—competitive even with premium cards.
Potential cons of the BILL Divvy Card
The most significant drawback is that each billing cycle must be paid in full. There is also a 12-month holding period before you can redeem accumulated rewards. For companies looking for a traditional revolving credit card, this may not be the ideal match.
Verdict: Is the BILL Divvy Card worth it?
If your business needs a straightforward, fee-free card tied to cash flow and offers robust rewards and budgeting, the BILL Divvy Card deserves strong consideration. Growing companies in Canada will appreciate the automation features and flexibility without worrying about hidden charges.
