Getting approved is simple.

business information required on Divvy desktop

Apply for credit online

animation of employees receiving business spending cards

Find a Divvy program that’s right for you

animation of Divvy expense management app

Start spending smarter

See how our software and business card work together.

Divvy vs. other corporate cards

We know we’re not your only corporate card option, but we believe we are the best. Here’s why:

two physical divvy cards on top of each other, one displaying the front and the other displaying the back of the card


No annual fees

Flexible rewards

As many virtual cards as you need

Employee cards for all (controlled by admin)

Enforceable budgets

Automatic integration with Divvy expense management software

Other corporate cards

Annual & monthly fees

Set rewards

May allow for virtual cards

Limited number of cards per organization

No spending locks or tracking

Credit that scales with your business.

Get a credit line that scales with your business. In the future, you can apply for credit line increases from right within your dashboard.

phone displaying divvy budgets on screen behind a physical divvy card

Flexible underwriting

We love learning about what makes each company unique and offer multiple ways of underwriting in order to provide you with a credit line that fits your business.

Cards for every employee

At Divvy, you can empower each and every employee with their own Divvy card. Every card is linked to proactive spend controls where you call the shots.

Seamless software integration

With seamless desktop software and a 4.7 star-rated app (11/12/2021), our integrations don’t require you, or your employees, to change how you do business.

Earn more with Divvy rewards.

Control your rewards earnings based on your payoff schedule. The more often you make payments, the more rewards you can earn.


“A free card service that also gives us rewards—you can’t beat that. Plus, with Divvy, we can track our company’s credit card spend in one place.”

Steve Plowman
Controller at Artemis Health

Divvy card in Apple wallet

Quick and easy contactless payments.

From tap-to-pay with Visa to Apple and Google Pay, we’ve got you covered. Seamlessly and securely make touch-free payments however suits you and your business best.

robot thinking about security

Advanced fraud protection

Divvy uses an advanced third-party platform that monitors all transactions in real-time and prevents complex fraud incidents with speed and accuracy to protect your business.


More on getting business credit with Divvy

How does Divvy help build your credit score?

Healthy credit is an important part of raising business capital. As part of our mission to make money smarter, Divvy reports customer credit performance to the Small Business Financial Exchange (SBFE®). That means you can use Divvy to build credit history and credit score for your business simply by paying on time.

How Divvy credit cards change company culture?

Divvy surveyed employee sentiment before and after receiving a corporate card; we saw positive results in three key areas: employee empowerment, company pride, and career development. You can significantly move the needle on a more positive company culture (while saving time and money) by utilizing the Divvy platform. Giving each employee a corporate card indicates trust and commitment that can transform your company.

Why does my business need a business credit card?

When it comes to streamlining business expenses, a company credit card can save you time and money. Separating business spending from personal spending makes it easier to reconcile accounts at the end of the month and get taxes right at year-end. If you have a growing team, consider using a platform like Divvy to provide individual cards to every employee, thereby eliminating manual expense reports and cumbersome reimbursement processes.

What is the difference between business credit cards and personal credit cards?

While personal credit cards can be used by businesses, it’s incredibly helpful to separate spending by opening a new credit line for company accounts. Corporate cards are specifically designed for business use, with tailored rewards and industry bonuses—however, they may also have higher fees. While it’s helpful to have an EIN number to apply for a business credit card, it may not be necessary.

Can I qualify for a business credit card with bad credit?

Yes, you can qualify for a business credit card when you have bad credit. Each card provider will have different credit score standards for their applications, but that shouldn’t stop you from applying. Many card companies will be lenient with poor credit if you’re willing to submit payments more frequently or accept a smaller credit line to start. You may also qualify for secured credit lines, those that require a security deposit when you open an account.

What are the benefits of having a business credit card?

Aside from the obvious record-keeping benefits of separating corporate and personal spending, having a business credit card has many rewards. Creating a credit line for business purchases is easier than qualifying for a loan and helps to build your company credit score. Business credit cards also come with attractive perks and rewards like cash back or travel benefits.

What’s the benefit of having a credit card that ties to your expense management software?

Old school expense management processes involved a lot of data entry and paper trails. By using software that ties directly to your business credit card you can completely eliminate these cumbersome processes, saving you time and money. Divvy provides credit cards to every employee—for free—so that you can track company spend in real time and set up budgets that prevent overspending. 

Ready to get some credit?