What are the requirements for a Divvy business credit card?
- What are the requirements for a Divvy business credit card?
- 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 business, providing your Employer Identification Number (EIN), and undergoing a business credit check. You'll also need to connect your business bank account for financial verification.
In this article, we’ll explore the specific requirements for applying for a Divvy business credit card and what you need to know before submitting your application.
What are the requirements for a Divvy business credit card?
To qualify for a Divvy business credit card, your business must meet specific criteria set by Divvy. These requirements ensure that your business can responsibly manage the credit line provided.
Business formation
Your business must be legally formed in the United States. Acceptable business entities include:
- Corporation
- Limited liability company (LLC)
- Partnership
- Sole proprietorship
Business revenue
Divvy typically requires businesses to have a minimum of $20,000 in a business bank account. Stable and predictable cash flow is essential as it indicates your ability to manage and repay the credit.
Time in business
Divvy doesn't explicitly state a minimum time in business, but companies with at least one to two years of operational history are generally more likely to be approved. A longer business history can demonstrate stability and reliability.
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 information to assess your financial health and track transactions.
Creditworthiness
Divvy assesses the overall financial health of your business rather than relying solely on personal credit scores. Factors considered include:
- Business credit scores
- Financial statements
- Cash flow analysis
Maintaining a healthy financial profile can significantly enhance your approval 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. Ensuring legal compliance helps prevent potential issues and aligns with Divvy’s standards for ethical business practices.
What are the odds of being approved for a Divvy business credit card?
Businesses with stable cash flow, at least $20,000 in a business bank account, and good business credit scores generally have higher approval chances for a Divvy business credit card. The odds of being approved depend on your business's financial health, revenue, and creditworthiness.
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.
Does Divvy perform a hard pull for a business credit card?
No, Divvy doesn't perform a hard pull on your personal credit when you apply for their business credit card. Instead, they assess your business’s financial health, revenue, and other financial metrics to determine approval.
Get a Ramp Business Credit Card with no credit check or personal guarantee
The Ramp Business CreditCard 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 streamlined application process that doesn't impact 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.
Don't miss these
“In the public sector, every hour and every dollar belongs to the taxpayer. We can't afford to waste either. Ramp ensures we don't.”
Carly Ching
Finance Specialist, City of Ketchum
“Compared to our previous vendor, Ramp gave us true transaction-level granularity, making it possible for me to audit thousands of transactions in record time.”
Lisa Norris
Director of Compliance & Privacy Officer, ABB Optical
“We chose Ramp because it replaced several disparate tools with one platform our teams actually use—if it’s not in Ramp, it’s not getting paid.”
Michael Bohn
Head of Business Operations, Foursquare
“Ramp gives us one structured intake, one set of guardrails, and clean data end‑to‑end— that’s how we save 20 hours/month and buy back days at close.”
David Eckstein
CFO, Vanta
“Ramp is the only vendor that can service all of our employees across the globe in one unified system. They handle multiple currencies seamlessly, integrate with all of our accounting systems, and thanks to their customizable card and policy controls, we're compliant worldwide. ”
Brandon Zell
Chief Accounting Officer, Notion
“When our teams need something, they usually need it right away. The more time we can save doing all those tedious tasks, the more time we can dedicate to supporting our student-athletes.”
Sarah Harris
Secretary, The University of Tennessee Athletics Foundation, Inc.
“Ramp had everything we were looking for, and even things we weren't looking for. The policy aspects, that's something I never even dreamed of that a purchasing card program could handle.”
Doug Volesky
Director of Finance, City of Mount Vernon
“Switching from Brex to Ramp wasn't just a platform swap—it was a strategic upgrade that aligned with our mission to be agile, efficient, and financially savvy.”
Lily Liu
CEO, Piñata
