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The Divvy business credit card has specific criteria that businesses must meet to qualify. 

This article will outline the necessary requirements, the likelihood of approval, whether Divvy performs a hard pull on your credit, and the available payment options for the card. 

Understanding these details can help determine if the Divvy business credit card is right for your business needs.

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.


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 Corporate Card with no credit check or personal guarantee

The Ramp Corporate Card is an excellent alternative for businesses looking for a corporate 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.

Try Ramp for free
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Finance Writer and Editor, Ramp
Ali Mercieca is a Finance Writer and Content Editor at Ramp. Prior to Ramp, she worked with Robinhood on the editorial strategy for their financial literacy articles and with Nearside, an online banking platform, overseeing their banking and finance blog. Ali holds a B.A. in Psychology and Philosophy from York University and can be found writing about editorial content strategy and SEO on her Substack.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


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