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          Small Businesses

          For those businesses are just getting started and have less history. Typically 1-20 employees.

          Midsize Businesses

          For those businesses who've been at it for a while, and are between 21-500.

        • INDUSTRIES


          For construction companies looking to streamline budgeting and expense management processes.


          For fast-paced software businesses that need a platform that can keep up with their growth.

          Accounting Firms

          For accounting firms to streamline the spend and expense management of your clients making life easier for you and them.

          E-commerce and Retail

          For e-commerce and retail companies that value uninterrupted advertising for their campaigns.


          For healthcare providers to increase control over their finances with minimal time investment.

        • OVERVIEW

          corporate card
          Business Credit

          Fast and flexible credit for businesses of all sizes. Apply for a credit line in minutes.

          spend management
          Spend Management

          Budgeting software that helps you take control of your budgets and spend smarter.

          expense management
          Expense Management

          Expense management software that helps to simplify and streamline your expenses.

          ap management
          AP Automation

          Intelligent accounts payable software that reduces time spent on AP by 50%.

        • FEATURES

          Virtual Cards

          Protect your business from fraud and overspending with Divvy virtual cards.


          Out-of-pocket expenses, card spend, and reimbursements all in one system.


          Every Divvy customer qualifies to earn rewards from their card spend.

          Credit Builder

          The pay-as-you-go program for businesses that need to build credit.

          Accounting Integrations

          Preserve your accounting processes with our built-in software integrations.

          Mobile App

          4.7/5 rated mobile app that brings budgets, virtual cards, and more into a single app.

          Reporting and Insights

          Catch abnormalities and keep your teams accountable with Divvy's reporting tools.

          Payments Services

          Streamline your payables process with Divvy's free vendor payment solution.

When leaders take deliberate steps to show employees that they are trusted, “employees are more likely to be powerful, confident individuals.”

However, most commentary on employee empowerment focuses on the ambiguous or intangible; Leaders are told to “encourage communication” or “provide opportunities for ownership,” but are seldom given concrete advice on how to do so.

At Divvy, we see a lot of people receiving their first corporate credit cards and we wondered if that kind of experience—something targeted and tangible—could affect employee morale. We decided to test our hypothesis.

Here’s what we found:

In a workplace data study, we surveyed 268 people from a dozen companies. 

Our goal was to measure changes in employee sentiment after receiving a corporate credit card. 

To do this, we asked employees to agree or disagree with various statements relating to their company—modeled after an annual workplace survey. We measured their sentiment before and after receiving their corporate card. 

Responses were ranked from 0—strongly disagree—to 10—strongly agree. While not all categories showed significant change after receiving a corporate credit card, we did measure meaningful improvement in the following three areas:  

  1. Employee empowerment 
  2. Company pride
  3. Career development

1. My company empowers its employees.

Of all the categories we measured, employees reacted the strongest to feelings of empowerment. 

After receiving a corporate card, the majority of respondents agreed strongly that “My company empowers its employees.” We measured an astonishing improvement of 1.72 points (moving the average rating from a neutral 6.65 to 8.37). 

2. I’m proud to work at my company.

If you want employees to be proud of where they work, a corporate credit card could help improve their team spirit. 

When asked to agree or disagree with this statement—“I’m proud to work at my company”—sentiment improved by 0.58 points after receiving a company card. 

3. My company looks for ways to develop my career.

Respondents were asked how strongly they agreed with this statement: “My company looks for ways to develop my career.” 

Before and after receiving a corporate credit card, employees moved from 5.1 to 5.29 on average—an improvement of 0.19 points. While this may not seem like a significant jump, any HR rep can tell you that it’s incredibly difficult to move the needle in workplace culture surveys. We found it notable that something as simple as a corporate card could affect a positive increase.

Is such empowerment sustainable?

For each of these categories, our research discovered an interesting, significant bump after employees received the physical card.

While our research has not (as of yet) measured whether this increase is sustainable over time, we are looking forward to studying the more long-lasting effects of this change. 

A corporate credit card is just one way to improve employee sentiment, but overall, our findings support a positive impact.

Here at Divvy, we’ve seen this time and again with our customers—corporate cards have the power to change company culture. 

Amber Johnson, COO of Jump Software, said the cultural impact boils down to two words: “trust and accountability.” Employees who never had the power to swipe a company card now feel a sense of accomplishment and ownership. 

The results we’ve found have a simple solution: empower your employees by giving them credit cards.

About Divvy

Divvy is free expense management software paired with smart corporate credit cards. If you want to learn more about our product, we’d love to schedule some time to chat.

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