The Divvy platform
is free-to-use.

All Divvy users pay


to manage budgets, control spend, track expenses, and more within Divvy.

   No confusing contracts
   No hidden fees
   Unlimited access


Here’s what you get with Divvy

Software to manage expenses

Business purchases that happen on a Divvy card can be categorized with a few taps on a phone. Say goodbye to out-of-pocket reimbursements and manual expense reports.

Credit to grow your business

Get access to the funding you need, no matter the size of your business. Apply for a credit line in several easy steps and start spending smarter with Divvy cards for all employees.

Tools to control your spending

Build a budget with admins and users, divvy out funds, and watch spend come in exactly on target. What real-time tracking and controls, Divvy gives you the tools to take control of your budgets.

Rewards on your spending

Start earning rewards as soon as you start spending with Divvy. Redeem your reward points for cash back, statement credit, travel, or gift cards; you’re in control.

And a mobile app that our customers love to use.

app store ratings
divvy on a horizontal phone

Divvy vs. other corporate cards

Why do Divvy customers love it so much? Could be how well we stack up against other corporate cards.

falling divvy cards


✓  No annual or initiation fees

✓  Flexible rewards

✓  Free-to-use software platform

✓  Stable credit lines

✓  Automated expense management

✓  As many physical & virtual cards as you need

✓  Budgets with built-in spend controls

✓  Real-time transaction tracking

  Integrations with apps you  use everyday

Other corporate cards may

Have annual & monthly fees

Offer fixed rewards

Have to be used in combination with other software like Expensify, Concur, Excel, etc.

Have less predictable credit lines (usually determined by cash in the linked bank account)

Require tedious, manual expense management

Allow for virtual cards (or may not)

Offer a limited number of cards

Not have spending locks or tracking

How does Divvy make money?

The Divvy software is really free-to-use. We don’t have confusing contracts or hidden fees. Then how does Divvy make money?

Every time you spend money on a credit card, the merchant pays a fee to Visa and the issuing bank. When you spend using Divvy, that fee is shared with us–allowing us to build and provide this software for free.

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

“Divvy makes it super easy to manage physical and virtual cards for over 70 cardholders. No big month-end reconciliation process. Everything is tracked in one place, in one account—for free.”

customer review
Paige Oldham
CFO at Health Solutions

health solutions logo