Divvy Review – Credit Cards & Expense Management for Businesses: A Concise Analysis

In the world of business, managing expenses and accessing credit can be quite the challenge for small and medium-sized enterprises. Divvy, a cloud-based expense management and credit card platform, aims to address these concerns by offering an all-in-one solution for modern businesses seeking better control over their spending and credit card usage.

With its unique set of features, the Divvy Credit Card comes with no annual fee, not only for the main account holder but also for its additional users. The card focuses on offering financial transparency, real-time expense tracking, and robust spending controls, making it convenient for businesses to monitor and manage their financial activities efficiently.

Divvy Credit Cards Overview

The Divvy credit card offers businesses a unique combination of spending controls, potential rewards, and expense management features. Designed specifically for businesses, the Divvy credit card aims to simplify financial management while providing attractive rewards to companies that comply with its weekly billing cycle and spending requirements.

With a focus on expense tracking and control, Divvy allows administrators to set spending limits, define budgets, and monitor transactions for each cardholder. This can help businesses better manage expenses, control cash flow, and potentially improve financial health.

The card’s rewards system is tailored for businesses that opt for a weekly billing cycle and meet a minimum spending requirement of 30% of their credit limit. This can make the Divvy credit card an attractive option for companies with high spending volumes and a disciplined approach to paying off their balances each week.

In addition to its reward potential and expense management tools, Divvy also offers unique features such as virtual card creation for secure online transactions and real-time analytics to help businesses monitor their spending habits more effectively.

The Divvy Business credit card can be considered one of the best business credit cards when paid off in full each week. However, businesses that cannot commit to the weekly billing cycle and spending requirements may not enjoy the full benefits of the card.

Expense Management Features

Divvy is a versatile spend and expense management solution that streamlines various financial processes for small and midsize businesses. One of its key features is the ability to easily manage payments and subscriptions. This is made possible through its cloud-based accounting and expense management system, which allows businesses to have better control over their expenses and budget allocation.

The platform offers a comprehensive set of expense management tools that help businesses stay organized and save time. One of these tools is the provision of free, unlimited employee cards, both virtual and physical. These cards come with customizable spending controls, enabling businesses to set limits on employee spending and enforce budget constraints.

In addition to spending controls, Divvy also provides valuable insights into spending patterns and offers forecasting capabilities, To better visualize and understand the data, businesses can leverage Divvy’s analytics and reporting tools, which display information in an easy-to-comprehend format.

Another noteworthy feature of Divvy is its seamless integration with popular accounting and financial software. This compatibility allows businesses to import expense data directly into their preferred accounting tools.

Integration & Compatibility

Divvy offers a range of integrations and compatibility options for businesses to help streamline their credit card and expense management processes. By connecting Divvy with widely used accounting and financial software programs, businesses can save time and maintain a consolidated view of their financial data.

Some of the popular integrations supported by Divvy include:

  • QuickBooks
  • Xero
  • NetSuite
  • Expensify

Divvy’s compatibility with these finance and accounting platforms allows users to efficiently synchronize transactions, automate expense categorization, and reduce manual data entry. Additionally, Divvy offers an open API, enabling businesses to create custom integrations tailored to their specific needs and preferences.

For teams that rely on communication and collaboration tools, Divvy also integrates with popular platforms such as:

  • Slack
  • Microsoft Teams

These integrations allow users to receive real-time updates about budget approvals, expense reports, and transaction notifications directly in their team communication channels. This helps to ensure all team members stay informed and engaged in the expense management process.

Pricing & Plans

Divvy offers different pricing plans to suit various business sizes and requirements. These plans vary in terms of features and pricing to help businesses find the right solution for their expense management and credit card needs.

The main plans provided by Divvy include:

  • Free plan: This plan is targeted at smaller businesses needing essential expense management features. It offers basic spend controls, reports, and real-time budgeting. The free plan doesn’t come with features like custom fields or dedicated account management, but it’s an excellent entry point for smaller businesses to start using Divvy.
  • Growth plan: This plan is designed for growing businesses looking for more extensive features and support. It includes everything in the Free plan, along with custom fields, spend controls, policy compliance, and priority support. The Growth plan also provides access to a dedicated account manager, making it easier for businesses to get personalized assistance regarding their expense management process.
  • Enterprise plan: The Enterprise plan is suited for large businesses that require advanced features, integrations, and support for their credit card and expense management needs. It includes all the features offered in the Growth plan, along with SSO, API access, and custom integrations. This plan also comes with a dedicated account manager and priority support to ensure that users receive the help they need to manage their expenses more efficiently.

It’s important to note that Divvy doesn’t charge any transaction, card, or subscription fees for using their platform. This makes their pricing structure straightforward and easy to understand for businesses looking for a cost-effective solution for managing expenses and credit card usage.

Pros & Cons

When evaluating Divvy as a credit card and expense management solution for businesses, it’s important to examine both the advantages and drawbacks of the platform. In this section, we will discuss some of the main pros and cons of using Divvy.


  • Real-time expense tracking: Divvy allows businesses to monitor expenses in real-time, providing instant visibility and control over spending.
  • Flexible budgeting: Divvy’s platform enables businesses to create custom budgets for different departments, projects, and employees, ensuring that spending stays aligned with company objectives.
  • No fees: Divvy offers its service without any transaction, subscription, or card-issuance fees, making it an affordable option for businesses of all sizes.
  • Integrations: Divvy easily integrates with popular accounting software, such as QuickBooks, Xero, and NetSuite, streamlining financial reporting and reconciliation processes.


  • Limited rewards program: While Divvy does offer a rewards program, it may not be as robust or competitive as some other credit card options for businesses.
  • No international cards: Currently, Divvy’s credit cards are only available to businesses based in the United States, making it unsuitable for international companies.
  • Potential learning curve: Adopting a new financial management tool may require time and effort to train employees and adjust to the new platform.

In conclusion, Divvy offers a range of benefits for businesses seeking a streamlined approach to credit card and expense management. However, potential drawbacks, such as a limited rewards program and lack of support for international businesses, should be taken into consideration when evaluating Divvy as a solution for your company.


The Divvy Business Card provides a comprehensive solution for businesses looking to manage their expenses efficiently. By combining expense tracking and credit card services, Divvy makes it easier for businesses to monitor and control their spending.

One of the key features of the Divvy Business Card is its real-time visibility into employee spending. Through its user-friendly app, businesses can set budgets, approve expenses, and allocate funds to employees. This helps eliminate overspending and ensure that purchases are within company guidelines.

When it comes to credit card rewards, the Divvy Business Card offers a solid points system that can be redeemed for travel, gift cards, or cashback. Moreover, the card comes with no annual fee, making it a cost-effective choice for businesses of all sizes.

Integrations with accounting software like QuickBooks and Xero further streamline the expense management process, saving businesses time and effort in reconciling and categorizing transactions.

In summary, the Divvy Business Card is a valuable tool for businesses seeking to improve expense management and credit card usage. Its combination of real-time visibility, budget controls, and valuable rewards makes it a strong contender in the business credit card market, particularly for those who prioritize expense management.

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