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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 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.
WRITTEN & RESEARCHED BY
Jason VissersJason 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.
Expert Contributor
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Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
REVIEWED BY
Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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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.
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 program 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 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.
Brex: Best Overall BILL Spend & Expense Alternative
Ramp: Best Fee-Free 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 8x rewards rates, with low fees, strong spend control features, and flexible repayment options, making it 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:
8x 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 $180,000+. 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 also a paid plan 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 no foreign transaction fees when you use the Brex card internationally.
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
$0 for the standard package, $15/user/month for Ramp Plus
Business Size
Corporations, LLCs, and LPs with $25K+ 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
Ramp's corporate card offers no monthly maintenance fees, up to 1.5% cash back on 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 makes 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 $350,000+ 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 no 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
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
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 account has 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% 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 1% 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 $30 wire recall fee, a 1% fee for wire transfers in foreign currencies, and 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 1.25% 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
The American Express Corporate Gold Card offers great perks and benefits to cardholders, in addition to reward points. Beyond this, the card also boasts expense management tools and employee limits.
Although the annual fee and minimum income requirements are a bit steep, established businesses that prefer to work with an established card issuer instead of a newer fintech won't be disappointed in everything that the Amex Corporate Gold Card has to offer. American Express also offers two additional corporate cards that you can mix and match for different employees.
Amex Rewards
With the American Express Corporate Gold Card, you’ll receive 1x point for every dollar spent. But it doesn’t stop there.
Other benefits include 5% Uber Cash, $100/year airline fee credit, and fee credit for Global Entry or TSA PreCheck. You’ll also get:
Complimentary Hilton Honors Silver Status
American Express Preferred Tickets
Baggage Insurance Plan
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
The American Express Corporate Gold Card annual fee is $250. Additional fees include:
Late fees: $39 or 2.99% of any past due Pay in Full amount
Foreign transaction fees: 2.5%
Administration suspense fees: $25
Reinstatement fees: $25
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
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.
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.
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.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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