Advertiser Disclosure

Divvy Credit Card Review

This corporate card charges no annual fees and incentivizes early payments with flexible rewards, though foreign transaction fees may be too steep for some.

    Jason Vissers
  • 5 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Rewards Rate

Up to 7X points on restaurants

Up to 5X points on hotels

Annual Fee

N/A

Business Size

Small-to-mid-sized businesses (exact requirements not disclosed)

Divvy At A Glance

  • Corporate card program with up to 7x points on restaurant purchases and 5x points on hotels
  • Spend management platform to control company expenses
  • Numerous partner perks through brands, such as AWS, Google Ads, and FedEx Office

Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.



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Ramp offers a free corporate card for virtually any business. Start earning rewards with your corporate spending today. Get your free card.

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5 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    kevin mason

    Organization Name: Lonestar sausage & bbq

    I applied for a 3000.00 credit limit. The underwriting team was given copies of my 2020 and 2021 1099. My company averaged over 200,000.00 a year. The Underwriters wasn’t happy with that and requested profit and loss margins and much more! My current budget is only 250.00 a week and i wasn’t offered any increases after having made payments on time etc. Divvy It isn’t worth the headache for limit increases. How is this any help to small business? i wouldn’t recommend it.. they are afraid to issue money without a arm or leg as collateral.

    1
    • Organization Name: Lonestar sausage & bbq

    This comment refers to an earlier version of this review and may be outdated.

    Allen

    Organization Name: Allyn International

    Divvy offers some good customer service via online chat, but what I don’t agree with Divvy and other company’s like Divvy, is their 6 month review of your activity with the account and your personal credit behavior to determine your credit limits. If your personal scores drop, so does your Divvy credit limit and vice versa. And if you don’t use their online software they will lower your credit limit. Trust me. It will not matter if you use the credit to the max and pay on time during any 6 month period. If they reduce your limit, you will have to provide Tax returns, financial budgets, etc to keep your current credit limit. If it’s a business credit account, why should my personal credit affairs affect my business credit limits with these companies. Even the IRS recognizes a businness’s EIN is viewed as a company’ s SSN and is a separate entity or person, if you will. There are some REAL business credit providers out there that offer true business credit that completely separates your personal credit from your business. However, Divvy, and companies like Divvy, are not those companies. it’s not business credit when these financial institutions base their decisions on your personal credit to determine if your business can get credit increases or the current limits decreased based on recent personal credit activity.

    2
    • Organization Name: Allyn International

    This comment refers to an earlier version of this review and may be outdated.

    MAROULLA STYLIANOU

    Organization Name: NEW MILLENIUM MOTORS INC

    You requested a lot of confidential documents and in the end you rejected my application! Scammers!! I dont recommend at all!

    1
    • Organization Name: NEW MILLENIUM MOTORS INC

    This comment refers to an earlier version of this review and may be outdated.

    Jerry

    Organization Name: J1auto

    Was waiting over three months for decision and still haven’t heard anything what a waste of time

    • Organization Name: J1auto

    This comment refers to an earlier version of this review and may be outdated.

    Luxx

    Organization Name: Luxe Vendi Boutique

    Thank you for such a detailed review of the Divvy Company. You provided the information needed for me to make my final decision on what business card I should use for my new business. Keep up the great work!

    • Organization Name: Luxe Vendi Boutique

    This comment refers to an earlier version of this review and may be outdated.

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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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