Divvy business credit card requirements: 2026 guide
- What is a Divvy business credit card?
- What are the requirements for a Divvy business credit card?
- Does Divvy perform a hard credit pull?
- What are the odds of getting approved for a Divvy card?
- Can you pay Divvy with a credit card?
- Who qualifies for a BILL Divvy corporate card?
- How Divvy determines your credit limit
- How to apply for a Divvy business credit card
- How Divvy rewards work
- Divvy business credit card alternatives to consider
- Get a Ramp business credit card with no credit check or personal guarantee
The requirements for a Divvy business credit card include having a registered U.S. business entity, maintaining at least $20,000 in a business bank account, and having an authorized signer with a personal credit score of 670 or higher. You'll also need to connect your business bank account so Divvy can verify your cash flow.
Divvy is now part of BILL Spend & Expense, and the product is marketed as the BILL Divvy Card, so you'll see both names during the application.
Note: The cashback percentages, limits, fees, and other figures mentioned in this article are for illustrative purposes only. They do not represent guaranteed or expected rates. Actual terms, credit limits, rewards, and approval criteria vary by card issuer and may change at any time. Readers should verify current details directly with each issuer before applying.
What is a Divvy business credit card?
Divvy, now marketed as BILL Spend & Expense, is a corporate charge card designed for business expense management. Unlike a traditional credit card, a charge card requires you to pay your full balance each billing cycle, monthly or weekly, depending on your plan.
Here's what sets the BILL Divvy Card apart:
- Charge card structure: You must pay your balance in full each month (or weekly for higher credit limits)
- No personal guarantee: Approval is based on your business's cash flow, not your personal liability
- Expense management features: Built-in tools for tracking Divvy expenses and controlling employee spending
What are the requirements for a Divvy business credit card?
To qualify for a Divvy business credit card, your business must meet specific criteria. These requirements focus heavily on your business's cash flow and financial health rather than personal credit alone.
Business formation
Your business must be legally formed in the U.S. Acceptable business entities include:
- Corporation
- limited liability company (LLC)
- Partnership
- Sole proprietorship
Business revenue and cash flow
Divvy typically requires a minimum of $20,000 in a business bank account or consistent monthly cash flow. Cash flow is one of the heaviest factors in Divvy's approval decisions, which makes it a key differentiator from traditional business credit cards.
BILL reviews your recent business banking history and cash flow. Businesses with revenue that's growing, consistent, or clearly seasonal tend to score better than those with erratic or declining inflows. Your credit limit is also determined dynamically by your cash balance, so businesses with stronger bank balances generally receive higher initial limits, and limits can increase over time as BILL monitors your payment history.
To run that review, BILL connects to your business bank account through a bank aggregator like Plaid or MX, which lets it verify your cash flow without a manual document upload.
Time in business
Most approved applicants have been operating for at least 3 months. A longer history, up to 1 or 2 years, improves your approval odds, but newer businesses may still qualify if they can demonstrate strong cash flow.
A brand-new business or newly formed LLC can still qualify, because Divvy weighs cash flow over tenure. If you're a brand-new business, the most reliable path to approval is establishing your bank account early, building up a consistent balance above $20,000, and allowing several months of transaction history to accumulate before applying. Businesses formed very recently with little transaction history are more likely to be declined, regardless of personal credit score.
Business bank account
Your business must have an active U.S. business bank account. This is necessary for financial verification and ongoing management of your card account. Divvy uses your bank account activity to assess your financial health, verify cash flow, and determine your credit limit.
Personal credit score for the authorized signer
Divvy generally looks for good personal credit for the authorized signer (generally a FICO score of 670 or higher), but it weighs your business's cash flow more heavily and uses a soft pull that won't affect your score. This is different from a business credit score, which Divvy also considers as part of its overall assessment.
However, applicants with poor personal credit, especially combined with limited cash flow history, face a higher likelihood of denial. If your credit score is in this range, building it up before applying (by paying down balances and correcting any errors on your credit report) will significantly improve your odds.
Legal compliance
Your business must comply with all applicable laws and regulations. Additionally, it shouldn't engage in any prohibited industries as defined by Divvy, such as gambling or cannabis. You'll also need to meet standard know your customer (KYC) requirements during the application process.
Does Divvy perform a hard credit pull?
No, Divvy typically performs a soft pull on your personal credit. A soft pull is a background check that doesn't impact your credit score, unlike a hard pull, which is a formal credit inquiry that can temporarily lower it. This means applying for a Divvy card won't affect your personal credit.
Instead of relying on a hard credit inquiry, Divvy assesses your business's financial health, revenue, and cash flow to determine approval and credit limits.
What are the odds of getting approved for a Divvy card?
Your approval odds depend primarily on the strength of your cash flow and whether you meet the baseline requirements. Startups and newer businesses can get approved if they demonstrate healthy financials, while businesses with poor credit history, low cash balances, or those in prohibited industries face higher denial rates.
Factors that increase your approval odds:
- Strong, consistent cash flow in your business bank account
- Business operating for at least several months
- Good personal credit for the authorized signer
- Clean legal and compliance history
Can you pay Divvy with a credit card?
No, you cannot pay your Divvy business credit card balance with another credit card. Payments must be made through a linked business bank account, ensuring that funds are drawn directly from your business's cash reserves.
Who qualifies for a BILL Divvy corporate card?
The ideal candidate for a BILL Divvy corporate card is an established business with predictable cash flow and an active U.S. bank account. It may not be the best fit for brand-new startups with no revenue history or businesses with poor credit.
| Likely to qualify | May face challenges |
|---|---|
| Businesses with consistent monthly revenue | Brand-new businesses with no cash flow history |
| Companies with good personal credit for the authorized signer | Applicants with poor personal credit |
| U.S.-based entities with active business bank accounts | Non-U.S. businesses or unregistered sole proprietors |
| Businesses in standard industries | Companies in prohibited industries (gambling, cannabis, etc.) |
How Divvy determines your credit limit
Divvy sets initial credit limits dynamically based on the cash balance and activity in your connected business bank account, not on a fixed formula. There's no published minimum limit, but businesses with $20,000–$50,000 in their bank account typically start with lower limits, while businesses with stronger balances or longer account history may receive higher ones. Reported credit lines range from $1,000 to $5 million, and the upper limit may be higher depending on your financial profile.
Two structural features of the Divvy card directly affect how much purchasing power you have:
Payment frequency increases your limit
Businesses that pay their balance weekly (rather than monthly) unlock higher spending limits because BILL can verify repayment more frequently. BILL offers weekly, semi-monthly, and monthly billing cycles, and moving to a shorter cycle is the fastest way to request a higher limit without any additional credit review.
Limits are dynamic, not fixed
Unlike traditional credit cards where your limit stays the same until you formally request an increase, Divvy adjusts limits over time based on your evolving cash position. A business that grows its bank balance significantly after approval will often see its limit increase without asking. Conversely, a sustained drop in your bank balance can trigger a limit reduction.
If your initial limit is lower than expected, BILL support can manually review your account. Providing several months of bank statements showing consistent inflows typically supports a limit increase faster than waiting for the automatic adjustment cycle.
How to apply for a Divvy business credit card
The Divvy business credit card application process is quick and can be completed entirely online.
1. Gather your business information
Before you start, have the following ready: your employer identification number (EIN), legal business name, business address, annual revenue figures, business bank account details, and personal information for the authorized signer.
2. Visit the BILL Divvy website and start your application
Head to bill.com to begin your application through BILL Spend & Expense. The online form takes just a few minutes to complete.
3. Connect your business bank account
Linking your bank account is essential for approval. It allows Divvy to verify your cash flow and determine your credit limit.
4. Wait for approval and activate your card
Approval decisions typically come within minutes to a few business days. Once approved, you can activate your physical and virtual Divvy cards and start using them right away.
How Divvy rewards work
Divvy uses a points-based rewards program tied to how frequently you pay your balance. The faster you pay, the more points you earn per dollar spent. See BILL's current rewards terms for full details, as rates are subject to change.
| Billing cycle | Points per $1 spent |
|---|---|
| Weekly | Up to 7× on restaurants, 5× on hotels, 2× on recurring software, 1.5× on everything else |
| Semi-monthly | Up to 4× on restaurants, 3× on hotels, 1.75× on recurring software, 1× on everything else |
| Monthly | Up to 2× on restaurants, 2× on hotels, 1.5× on recurring software, 1× on everything else |
The high headline rates (7× on restaurants) apply on a weekly billing cycle, which requires enough cash flow to support that cadence. For businesses paying monthly, the base earn rate is 1 point per dollar on general spend. Points can be redeemed for cashback, statement credit, or gift cards, but redemption values vary by option.
Before you weigh the headline multipliers, factor in the program's redemption restrictions:
- You must spend at least 30% of your credit line in a month, or you forfeit that month's points
- There's a 12-month holding period before points can be redeemed
- Redemptions require a 5,000-point minimum
- Bonus multipliers apply only to your first $5,000 in combined bonus-category spend each month
Divvy business credit card alternatives to consider
If Divvy doesn't fit your needs or requirements, here's how it stacks up against two common alternatives:
| Divvy (BILL) | Ramp | Traditional business card | |
|---|---|---|---|
| Approval basis | Cash flow (soft pull) | Cash flow (no personal credit check) | Personal credit score |
| Personal guarantee required | No | No | Usually yes |
| Rewards structure | Points (tiered by payment frequency) | Cashback rewards on purchases | Varies (points, miles, cash back) |
| Rewards structure | 7× (weekly billing only) | No tiers or points math | Varies by card |
| Expense management tools | Yes | Yes (more extensive) | Limited |
| Carry a balance | No (charge card) | No (charge card) | Yes |
| Credit limit basis | Business bank balance | Business financials | Personal credit + income |
Ramp operates on the same cash flow-first, no-personal-guarantee model as Divvy, but offers straightforward cashback on purchases with no points math required. The Ramp Corporate Card asks for no personal guarantee and no personal credit check, and applications are approved in fewer than 48 hours. It also offers up to 20x higher credit limits than traditional business credit cards.
The bigger difference is control. Divvy tracks spend after the fact, while Ramp enforces policy at the point of swipe, blocking out-of-policy purchases before they happen. It also includes deeper expense management features, accounting integrations, and spend controls natively, rather than as add-ons.
Get a Ramp business credit card with no credit check or personal guarantee
Discover Ramp's corporate card for modern finance
The Ramp Corporate Card is an excellent alternative for businesses looking for a corporate business credit card with no credit check or personal guarantee required.
Ramp focuses on the financial health and cash flow of your business, offering a simple application process that doesn't affect your personal credit score.
Features include automated expense management, real-time reporting, integrations with accounting software, and spend controls, offering your business flexibility and efficiency in managing expenses.
Explore Ramp's interactive demo to see how it works.
FAQs
Yes, new LLCs can apply, but approval depends on demonstrating sufficient cash flow. Businesses with at least a few months of operation and healthy bank balances have better approval odds.
BILL looks for good personal credit for the authorized signer (generally a FICO score of 670 or higher) but weighs business cash flow more heavily, and uses a soft pull that won't affect your score.
You'll need your EIN, legal business name, business address, annual revenue, business bank account information, and personal details for the authorized signer.
Approval decisions typically come within minutes to a few business days after you complete the online application and connect your bank account.
Divvy does not currently report payment history to personal credit bureaus. Check directly with BILL for its current business credit reporting policies.
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