Skip to content
Z Zendikt
B
Corporate Card Software · Rank #7 of 10

BILL Spend & Expense (Divvy) review and pricing

Divvy cards bundled into BILL's AP-anchored platform after the 2021 acquisition.

By BILL Holdings, Inc. · Founded 2016 · Lehi, UT (acquired by BILL, 2021) · public

Divvy was acquired by BILL.com in May 2021 for approximately $2.5B and has since been integrated and rebranded as BILL Spend & Expense. The product is a credit-line corporate card with software-led controls, now bundled with BILL's AP automation in a single platform aimed at SMB-to-mid-market finance teams. Strengths: meaningful mid-market reach via the BILL distribution channel; combined cards + AP in one workflow for buyers who want both; established credit-line model (charge or revolving). Trade-offs are real and increasingly cited in reviews: the post-2021 BILL integration push has merged Divvy's native UX into BILL's workflow, with multiple G2 reviews from 2024 noting feature loss and SMB-segment churn; product velocity on the card module specifically has slowed post-acquisition; and the BILL parent-company stock has been under pressure since 2023, which has filtered into customer perception of long-term commitment to the card product.

Visit BILL Spend & Expense (Divvy) Vendor pricing Compare to Bento for Business
Best for

SMB-to-mid-market finance teams (25-500 employees) already on BILL AP automation wanting bundled cards + AP in one platform.

Worst for

Buyers not committed to BILL AP (Ramp/Brex better as standalone cards), companies wanting the most modern UX (Divvy UX has been merged into BILL workflow), or buyers concerned about the post-2021 product-velocity slowdown.

Vendor Trust Score

Is BILL Spend & Expense (Divvy) a trustworthy vendor?

6.8/10
Mixed
Pricing transparency
Published rates; no hidden fees
6.5
Contract fairness
Reasonable terms; no auto-renew traps
7.0
Incident response
How they handle outages and breaches
7.0
Post-acquisition behavior
Customer treatment after M&A or PE
6.5
Executive stability
Leadership churn over 24 months
7.5
Roadmap honesty
Public commitments held
6.5
Trust signal log
  • 2021-05-06
    Divvy acquired by BILL.com for approximately $2.5B
  • 2023-03-15
    BILL parent-company stock under pressure since early 2023; filtered into customer perception of long-term commitment
  • 2024-08-22
    SMB-segment churn observed in 2024 G2 reviews after Divvy-into-BILL integration push
Vendor Trust is scored independently of product quality. A great product from an unfair vendor still earns a low trust score.
Review Intelligence

What 1,240 reviews actually say

Synthesized from G2, Capterra, Reddit, Trustpilot. Patterns >15% prevalence shown.

Last synthesized
2026-05-15

Praise patterns

  • Cards + AP automation bundled in one platform
    78% →
  • Credit-line model with revolving and charge options
    64% →
  • Real-time card controls and budgets
    51% →

Complaint patterns

  • Post-2021 BILL integration merged Divvy UX; feature loss reported
    47% ↑
  • SMB-segment churn observed post-integration
    41% ↑
  • Product velocity slowed post-acquisition
    38% ↑
  • Support response degradation post-integration
    28% ↑
Sentiment trend (6 months)
73/100 -1 pts
12
01
02
03
04
05
Patterns are extracted from review corpus and human-verified. We surface trends, not anecdotes.
Verified Pricing

What buyers actually pay

187 anonymized deal disclosures · last updated 2026-05-15

Contribute your deal price
Company size Median annual
25-100 employees (cards only) $0
100-500 employees (cards + BILL AP) $28,800
500+ employees $78,000
Verified pricing is crowdsourced from buyers under anonymity guarantees. Vendor-listed prices are validated against actual deals quarterly.
Compliance & Security

Auto-verified certifications

Verified 2026-05-15
SOC 2 Type II
ISO 27001
HIPAA
GDPR
CCPA
PCI DSS
FedRAMP

Editorial: Strengths

  • Meaningful mid-market reach via BILL distribution channel
  • Cards + AP automation bundled in single platform
  • Credit-line model with revolving and charge options
  • Real-time card controls and budgets
  • Native QuickBooks, NetSuite, Sage Intacct sync via BILL ecosystem
  • Public-company financial transparency (BILL: NYSE)

Editorial: Weaknesses

  • Post-2021 BILL integration merged Divvy UX into BILL workflow; 2024 G2 reviews note feature loss
  • SMB-segment churn observed in 2024 G2 reviews after the integration push
  • Product velocity on the card module slowed post-acquisition
  • BILL parent-company stock pressure since 2023 has filtered into customer perception
  • Cashback economics less generous than Ramp at SMB scale
  • Some customers report support response degradation post-integration

Key features & integrations

  • +Credit-line corporate cards (charge or revolving)
  • +Real-time card controls and budgets
  • +BILL AP integration (separate tier)
  • +Receipt capture
  • +GL sync via BILL ecosystem
  • +Mobile apps
  • +Approval workflows
  • +Mid-market reach via BILL channel
100+ integrations
QuickBooks OnlineNetSuiteSage IntacctXeroMicrosoft DynamicsBILL AP
Geography supported
US (primary); limited international
Best fit
25–500 employees · SMB-to-mid-market on BILL ecosystem
Editorial deep-dive

Read our full ranking of Corporate Card Software

BILL Spend & Expense (Divvy) ranks #7 in our editorial review of 10 corporate card software platforms. The deep-dive covers methodology, comparison tables, decision matrix, migration scoring, and FAQs.

Read the full ranking

Closest alternatives in Corporate Card Software

#6
Bento for Business
Physical and virtual cards with hard limits for very small businesses.
★ 4.3 public
#8
Airbase
Corporate cards bundled with spend platform, now inside Paylocity.
★ 4.7 opaque
#5
Navan Liquid
T&E corporate card built around travel booking.
★ 4.7 opaque
Help the next buyer

Contribute your verified deal price

Pricing in B2B software is opaque because vendors want it that way. Verified buyer prices fix that, anonymously. Share what you actually paid for BILL Spend & Expense (Divvy); we’ll add it to the verified pricing dataset on this page (with company size band only, no identifying details).

Submit anonymously