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The Best BILL Spend & Expense Alternatives For Businesses

Not sure BILL Spend & Expense is the right card for you? Explore the best BILL Divvy Corporate Card alternatives to find a card with rewards and perks that fit.

    Jason Vissers
  • Last updated onUpdated

  • Chelsea Krause
  • REVIEWED BY

    Chelsea Krause

    Lead Staff Writer

Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.

BILL Spend & Expense (formerly known as Divvy) is a corporate card that delivers impressive expense management tools, but it’s not right for everyone.

Are you looking for BILL Spend & Expense alternatives? If so, you’ve got options.

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CompanyBest ForNext StepsBest For
Brex

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  • $0 fees
  • 1x-7x rewards
  • Standout spend management tools
  • $0 fees
  • 1x-7x rewards
  • Standout spend management tools

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Ramp

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  • $0 fees
  • Up to 1.5% cash back
  • Strong spend management tools
  • $0 fees
  • Up to 1.5% cash back
  • Strong spend management tools

Apply Now

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Rho

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  • No regular fees
  • Up to 1.25% cashback
  • Personalized spend management
  • No regular fees
  • Up to 1.25% cashback
  • Personalized spend management

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American Express

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  • $75-$550/year
  • Up to 5x rewards
  • Spending insights and employee limits
  • $75-$550/year
  • Up to 5x rewards
  • Spending insights and employee limits

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Airbase

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  • $0/month
  • Unlimited cash-back
  • Exceptional spend management tools
  • $0/month
  • Unlimited cash-back
  • Exceptional spend management tools

Visit Site

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Read more below to learn why we chose these options.

5 Reasons To Find A BILL Spend & Expense Alternative

We like BILL Spend & Expense, and we rank it highly in our BILL Spend & Expense review for its competitive rewards and easy eligibility requirements. However, BILL Spend & Expense card has some drawbacks.

Here are some reasons you might want to find a better corporate credit card for your small business.

  • The rewards scheme is too complicated
  • Your business’s spending doesn’t match BILL Spend & Expenses rewards categories
  • You’d rather have a flat cash-back rate
  • You need lower foreign transaction fees
  • You don’t wait to wait 12 months to cash-in your rewards

The 6 Best BILL Spend & Expense Alternatives

If you’re seeking a BILL Spend & Expense alternative — whether it’s for lower fees, better rewards, or another reason — this list of BILL Spend & Expense competitors has several great options to help you find the right corporate card for your company.

The Best Bill Spend & Expense Alternatives Compared

Monthly FeeRewards RateForeign Transaction Fee
Brex $0-$121x-7x$0
Ramp$0Up to 1.5% cash-back0%
Rho$0Up to 1.25% cashback0.5%
American Express$75-$550/yearUp to 5x rewardsVaries
Airbase$0/monthNot disclosed$0

Brex : Best Overall BILL Spend & Expense Alternative

Total Rating 4.8
Rewards & Perks5.0

Rates & Fees5.0

Features5.0

Eligibility Requirements3.4

Customer Service4.0

User Reviews4.1



Pros

  • Flexible, unique rewards structure
  • Linked cash account delivers high APY
  • Valuable partner discounts
  • No credit check or a personal guarantee

Cons

  • Strict eligibility requirements
  • Hefty cash reserves needed
  • Daily repayment is required for new users

Why We Chose Brex As The Best Overall BILL Spend & Expense Alternative

If you're looking for a corporate card that delivers the full range of financial services, look no further than Brex. Brex combines up to 7x rewards rates, with low fees, strong spend control features, and flexible repayment options, making Brex a versatile corporate card option for businesses. Brex's rewards structure is the closest to BILL Spend & Expenses on the list which makes a point-by-point comparison easier -- depending on your business's spending categories, Brex's rewards categories and flat 1x on all other purchases might be a better fit for your business than the BILL Divvy Corporate Card.

Brex Rewards

Every Brex card user will earn a minimum of 1x rewards. If you qualify for Brex’s top rewards program, you can earn points bonuses of:

  • 7x points on rideshares and taxis
  • 4x on Brex Travel
  • 3x on restaurant purchases
  • 2x on software subscriptions
  • 1x on everything else

If you don’t qualify for the exclusive program, your earnings will be at 1x. If you opt for weekly or monthly payments instead of daily, you’ll receive 1 point less per dollar spent in most of those bonus categories.

Points never expire and can be redeemed for cash back via Brex Cash, applied to purchases through Brex Travel, or for statement credit, gift cards, or crypto.

Brex also delivers exclusive offers from various partners worth $180K+. That includes partner offers from Amazon Web Services, QuickBooks, UPS, Gusto, Slack, and more.

Brex Features & Services

Brex delivers a suite of fintech tools to help companies manage their complex finances. Brex’s feature set is built around the goal of helping businesses track where and how employees spend money.

Here’s what you get with Brex:

  • Free physical and virtual cards for employees
  • Card controls that can be tailored for each subscription, vendor, and employee
  • Spend tracking in real-time
  • Mobile app for iOS and Android that lets you deposit checks, approve payments, and manage cards
  • Receipt matching via the mobile app, text, and email
  • Travel perks include 24/7 concierge assistance
  • Automatic invoice payments
  • Spend controls that include custom expense policies and alerts to help you manage employee spending

Brex Pricing & Fees

Brex’s base plan is free to use, with no annual or account fees, global ACH fees, or wire transfer fees. Employee cards are free, too. There’s a higher plan that costs $12/month that gives you access to advanced features like HRIS and live budgets.

Since Brex includes significant travel rewards, it’s important to note that you’ll pay $0 foreign transaction fees when you use the Brex card internationally. That compares favorably to BILL Spend & Expense’s 0.20%-0.90% currency conversion fee.

When To Choose Brex Over BILL Spend & Expense

  • You want no foreign transaction fees
  • You want a comparable purchase category based rewards structure like with BILL Spend & Expense
  • You want access to your reward earnings faster than BILL Spend & Expense

Get Started With Brex

Read our in-depth review

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Ramp: Best Fee-Free BILL Spend & Expense Alternative

Total Rating 4.5
Rewards & Perks4.0

Rates & Fees5.0

Features5.0

Eligibility Requirements5.0

Customer Service4.5

User Reviews4.5

Rewards Rate

Up to 1.5% cash back

Annual Fee

$0 for the standard package, $12/user/month for Ramp Plus

Business Size

Corporations and LLCs with $50K+ in the bank

Pros

  • Simple rewards scheme
  • Valuable partner discounts
  • Fee free
  • Tools for cutting costs

Cons

  • Available only to US-based companies
  • High cash reserves required
  • No mobile app for Android

Why We Chose Ramp As The Best Fee-Free BILL Spend & Expense Alternative

Ramp's corporate card offers no monthly maintenance fees, up to 1.5% cash back purchases, and an auto-generated savings insights feature that can help your company limit wasteful spending. Ramp claims that 98% of its customers save 5% on their business expenses within their first year of using Ramp. While we haven't verified that claim, we agree that Ramp's focus on eliminating unnecessary expenses is both helpful and unique among corporate card companies, and its lack of monthly fees, late fees, and foreign transaction fees make it a great option for businesses looking to save money.

 

Ramp Rewards

Unlike some corporate cards with complex rewards schemes and tiered rates, Ramp makes it simple. Every purchase you make with the Ramp credit card delivers up to 1.5% cash back. Rewards appear as a statement credit.

Ramp also offers users up to $175K in exclusive deals, discounts, and welcome offers from partners. These partners include Amazon Web Services, Slack, Rippling, Secureframe, Pulley, and more.

Ramp Features & Services

Ramp has a strong feature set and covers the main expense management features you’d expect with a corporate card, while throwing in several unique extras like savings insights and automations.

With Ramp, you’ll get:

  • Unlimited physical and virtual cards for employees
  • Daily, monthly, and one-time spending limits per card
  • Mobile app for iOS devices
  • Spend tracking
  • Spend request tools that work via email, SMS, or Slack
  • Out-of-pocket reimbursement requests
  • Accounting integrations with NetSuite, Xero, QuickBooks, & Sage Intacct
  • HR integrations to automate onboarding & sync employee details

Ramp Pricing & Fees

One of Ramp’s best features is its pricing. Ramp is completely free. You will avoid all the most common fees, including setup fees, late fees, annual fees, foreign transaction fees, and employee card fees.

Compared to BILL Spend & Expense’s late fees and foreign transaction fees, businesses likely to encounter these fees could save a good amount of money with Ramp.

When To Choose Ramp Over BILL Spend & Expense

  • You want 0% foreign transaction fees
  • You want no late fees
  • You’d prefer up to 1.5% cash back over BILL Spend & Expense’s category-based rewards

Get Started With Ramp

Read our in-depth review

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Rho: Best Corporate Card & Banking Combo

Total Rating 3.8
Rewards & Perks2.9

Rates & Fees4.5

Features4.7

Eligibility Requirements3.4

Customer Service4.0

User Reviews4.4

Rewards Rate

Up to 1.25% cash back

Annual Fee

$0

Business Size

$1 million in revenue or $1 million in equity capital raised

Pros

  • FDIC-insured bank accounts
  • This corporate card delivers up to 1.25% cash back
  • Automated accounts payable
  • Fee-free global payments

Cons

  • Low APY on bank accounts
  • No ATM access
  • High revenue requirements

Why We Chose Rho As The Best Corporate Card & Banking Combo

Rho offers a corporate card with cash back earnings that you can easily pair with Rho's other services, including a low-fee business checking account. Rho's business checking accounthas no ACH fees, 24/7 support, and connects directly to the Rho corporate card, making managing your business finances much more streamlined. There are also interest-earning options with Rho's Treasury account. If you're looking for a corporate card with banking options, Rho is worth considering.

Rho Rewards

Rho offers up to 1.25% cash back for daily repayments and 1.00% cash back for monthly repayments. If you add Rho’s banking plans to your corporate card, you can find other perks like interest earning, accounting automations, and more.

Rho Features & Services

Rho takes a slightly different approach, combining its corporate card with commercial banking and accounts payable services. Rho is not a bank and works with partner institutions to offer FDIC-insured banking services.

Here’s a roundup of Rho features:

  • Physical and digital cards for employees
  • Ability to add custom logo to cards
  • Spending limits and restrictions
  • Transfers and deposits to commercial bank accounts via ACH, wire transfer, mobile check deposit, and linked bank accounts
  • Bill payment via automated accounts payable lets you receive, approve, code, and pay invoices within the Rho platform
  • Global payments via fee-free USD wires to 161 countries, plus foreign transactions via global currencies with a 0.5% fee
  • Auto-synced accounting with QuickBooks, Sage, and Wave via Plaid
  • Spending categories

Rho Pricing & Fees

Overall, Rho offers relatively few fees. You’ll pay nothing for ACH deposits, domestic wires, international wires in USD, bill pay, additional cards, and card transactions domestically and internationally. Fees you may encounter include: a wire recall fee of $30, a 0.5% fee for wire transfers in foreign currencies, a potential 3% late fee.

When To Choose Rho Over BILL Spend & Expense

  • You want more banking options than BILL Spend & Expense offers
  • You want up to 1.75% cash-back on all purchase instead of keeping up with BILL Spend & Expense’s rewards categories
  • You want the option to have small business banking integrated with your corporate credit card

Get Started With Rho

Read our in-depth review

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American Express: Most Customizable BILL Spend & Expense Alternative

American Express


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Pros

  • Tailored rewards
  • Spend management tools
  • Variety of cards to suit varied employee needs

Cons

  • Annual fees
  • Limited transparency

Why We Chose Amex As The Most Customizable BILL Spend & Expense Alternative

American Express issues three versions of its corporate credit cards that feature different levels of expense management tools and employee limits. Each card program comes with a rewards scheme, with both points and cash-back options available that can be tailored to fit your company's unique needs. Instead of being stuck with one single corporate card for all employees, this variety allows you to choose the right card for everyone in your company, which helps you maximize rewards.

Amex Rewards

When you choose American Express for your corporate credit card, you’re not locked into using one type of card exclusively. You can mix and match to meet your employees’ spending and travel habits. Each card has different rewards, including Hilton Honors status, flight discounts, Uber rewards, credits for services such as airline clubs and Global Entry, and cash rebates.

Your exact rewards scheme will be unique to your business and based on the combination of corporate cards you choose.

Amex Features & Services

Every Amex corporate card account offers spending insights, employee limits, and flexible rewards.

Here is a rundown of Amex features:

  • American Express @Work offers insight into employee spending and allows you to control it
  • Flexible rewards can accrue to individual employees as cash back or points earned or as a monthly credit on the centrally billed statement
  • A streamlined expense submission process
  • Real-time alerts for unusual employee expenses
  • Customized, industry-specific spending insights
  • Virtual cards via American Express Go
  • Automated Payment Solutions lets you earn rewards through accounts payable

Amex Pricing & Fees

American Express corporate cards come with annual fees ranging from $75-$550. Some Amex cards charge foreign transaction fees, while others do not.

  • Corporate Green Card: $75 annual fee, aimed at employees who travel infrequently
  • Corporate Gold Card: $250 annual fee, aimed at frequent travelers
  • Corporate Platinum Card: $550 annual fee, aimed at senior executives and frequent travelers

When To Choose American Express Over BILL Spend & Expense

  • You want to customize rewards based on each employees’ individual spending
  • You want the option to choose different corporate cards for different employees
  • You want more travel rewards options than Bill Spend & Expense
  • You prefer an established credit card issuer over a fintech company

Get Started With American Express

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Airbase: Best BILL Spend & Expense Alternative For Expense Management

Airbase


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Pros

  • Free version
  • Robust spend management tools
  • Prepaid and charge card options
  • Rewards

Cons

  • No travel rewards

Why We Chose AirBase As The Best BILL Spend & Expense Alternative For Expense Management

Most of the options covered in this list of the best BILL Spend & Expense alternatives focus on the corporate card side of BILL Spend & Expense's offering. If you're more interested in the expense management/spend management functionalities BILL Spend & Expense delivers, you might want to look at Airbase as a top BILL Spend & Expense alternative. AirBase is a procure-to-pay software that offers impressive expense management tools without compromising on spending rewards.

Airbase Rewards

Airbase promotes “unlimited cash back” but doesn’t give actual rates. The rewards are available on all purchases, regardless of category.

Airbase also partners with American Express, integrating Amex cards into the platform, so you can use Airbase without switching cards.

Airbase Features & Services

Airbase offers features in three areas: bill payment, corporate cards, and expense reimbursement. Using Airbase, the company claims, lets users add visibility and control across these areas, utilize automations, and clean up your possibly messy financial stack.

Here is a sampling of AirBase offers:

  • Consolidation of all non-payroll expenses, including spending, purchase orders, invoices, and expense reimbursement
  • Integrations with accounting software
  • Make payments from one “command center” via check, ACH, card, international wire, and vendor credits
  • Set expense policies and rules that the system can enforce
  • Employee spending requests and reimbursement via workflows
  • Automatic formation of audit trail
  • Automated bill creation, categorization, payment scheduling, accruals, and amortizations
  • Real-time reporting, with notifications via the web, email, mobile app, and Slack

Airbase Pricing & Fees

You can use Airbase Essentials for $0/month. The Essentials version is aimed at companies with about 100 employees. Two paid versions, Growth and Enterprise, target companies with up to 500 and up to 3,000 employees. The paid versions unlock additional features, and pricing is available by custom quote only.

When To Choose Airbase Over BILL Spend & Expense

  • You want more procure-to-pay features
  • You want no foreign transaction fee
  • You want a flat cashback rewards structure instead of BILL Spend & Expense’s purchase categories

Get Started With Airbase

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Corporate Card Review Methodology

We spend hours researching and evaluating each corporate card that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

Weighted Rating Breakdown

Rewards & Perks 40%
Rates & Fees 25%
Features 20%
Eligibility Requirements 5%
Customer Service 5%
User Reviews 5%

When rating corporate cards, we use a 15-point rubric that looks at rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. We weigh each section differently to calculate the total star rating.

  • Rewards & Perks: 40% of the total star rating
  • Rates & Fees: 25% of the total star rating
  • Features: 20% of the total star rating
  • Eligibility Requirements: 5% of the total star rating
  • Customer Support: 5% of the total star rating
  • User Reviews: 5% of the total star rating

Note: We use a different credit card rating methodology to evaluate traditional business credit cards, as they often differ from corporate cards in benefits, qualifications, and use cases.

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like cash back and spending rewards, reward redemption options, annual fees, employee card access, extra perks and features, credit score and revenue requirements, customer support options, and the overall reputation of the corporate card issuer.

Read more about our corporate card rating methodology.

Which BILL Spend & Expense Alternative Is Right For Your Business?

In deciding what card is right for your business, think about how you spend money, how much help you need to track your and your employees’ spending, and what kind of rewards you’d like to earn for your business.

Many of the options on this list also appear on our list of the best corporate credit cards available for businesses, so whichever you choose, you’re in good hands.

Once you decide which card is right for you, learn how to get a corporate credit card utilizing our top tips for getting your application approved. Once you have a corporate card account, make sure you get the most from it by using our tips to set up a corporate card policy.

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Jason Vissers

Jason Vissers

Expert Contributor at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
Jason Vissers
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