Divvy Credit Card Review 2024 – Earn Up To 7x Rewards

Last Updated on January 3, 2023 by Harrison Brown
8.8/10 (Expert Score)
Product is rated as #1 in category Business Credit Cards
8.8Expert Score
Bottom Line

If you're able to pay off your business's credit card bill in full each week, the Divvy credit card could be a great option for you. With this card, you'll enjoy cash back on all of your business expenses with up to 7x on certain categories. Plus, there's no annual fee to worry about. However, if you cannot pay the card's balance weekly, you won't get all the rewards benefits that you would by paying weekly.

Ease Of Use
  • Up to 7x rewards
  • No annual fee
  • High business credit limits
  • Charge card (Can't carry a balance)
  • No sign-up bonus
  • Requires good/excellent credit

The Divvy business credit card has no annual fee, comes with a generous rewards program, and offers many discounts on business services you may find helpful. Divvy provides one of the most unique rewards programs that allows you to earn up to 7x points per dollar spent if you pay your balance every week.

However, Divvy's rewards rates will likely fall short if you're only able to pay off your bill once a month. This card is designed for businesses that can pay off their balance weekly, so if yours cannot, Divvy may not be the best credit card for you since its rewards rates are reduced when that happens.

Pros & Cons

Divvy Credit Card Pros And Cons

  • Rewards Potential: You can earn up to 7x points when you pay off your credit card balance weekly.
  • No Annual Fee: Similar business credit cards generally charge hefty annual fees with rewards rates & benefits this competitive.
  • No Hard Inquiry: Divvy doesn't make a hard inquiry on your personal credit profile when you sign up and apply for the credit card, so it won't be reported to credit bureaus.
  • Easy Card Management: Divvy's app & website make it easy to track individual employee expenses, view account statements, and more.
  • Higher Credit Limits: Divvy offers business credit limits of up to $50,000 with qualifying business activity.
  • Charge Card: Divvy markets itself as a “charge card,” meaning you must pay your balance in full monthly.
  • No Sign-Up Bonus: Divvy doesn't offer a sign-up bonus, which is disappointing considering Divvy's competitive rewards rates.
  • Variable Rewards Rates: Divvy's credit card rewards rates are variable and depend on whether you can pay off your balance in full each week or month.


Divvy Credit Card Features


Divvy offers a rewards program that allows you to earn up to 7x points on certain business expenses when the business credit balance is paid weekly. However, this rate reduces if payments are switched to bi-weekly or monthly.

Here’s what you’ll earn.

Payment frequencyRestaurantsHotelsRecurring subscriptionsAll other purchases
See the most updated data on Divvy's website

If you decide to pay weekly, you'll earn 7x points on restaurants, 5x on hotels, 2x on recurring software, and 1.5x on everything else.

If you pay semi-monthly, you'll earn 4x on restaurants, 3x on hotels, 1.75x on recurring software, and 1x on everything else.

If you pay monthly, you'll earn 2x on restaurants, 2x on hotels, 1.5x on recurring software, and 1x on everything else.

Free Credits

Divvy offers free credits from top brands like Google Ads, Amazon's AWS, FedEx, Costco, and dozens more. To access these free credits, log into Divvy and navigate to the “Perks & Discounts” page.

Divvy Credits
Some of the credits Divvy offers its users


  • Up to $25,000 in AWS Activate Credit over two years
  • $150 off Google Ads
  • $50 off a new Costco membership
  • $50 off a new phone with Verizon
  • $10 off your Lyft ride
  • $5 off your Uber Eats orders
  • $500 credit for Notion
  • And many more…

Virtual Cards

Divvy offers virtual cards that can be used for online purchases and recurring subscriptions. This is a great way to manage employee spending and keep track of business expenses.


  • Create unlimited virtual cards to segment purchase types/users
  • Manage subscription spending in one place
  • Prevent fraud in a few clicks

Credit Builder

Divvy's credit builder program is designed to help businesses build their credit scores. This is a great way to improve your business's chances of qualifying for loans and other lines of credit in the future.


  • No minimum balance required
  • Build business credit as you make payments
  • Grow into an unsecured credit line


Divvy offers reimbursements for business expenses that can be used to help manage your cash flow. This feature is excellent for businesses that need to track out-of-pocket expenses or manage employee spending.


  • Track out-of-pocket expenses
  • Easy to submit receipts and consolidate payments
  • The 2-step approval process to ensure requests are fulfilled properly

Accounting Integrations

Divvy offers accounting integrations with popular software like QuickBooks, Xero, and FreshBooks. This is a great way to manage your business finances and keep track of your expenses.


  • Easily connect with popular accounting software
  • Request new integrations to match your business needs
  • Native Slack integration to manage requests within its platform

Mobile App

Divvy offers a mobile app that allows you to manage your account on the go. This is a great way to stay on top of your expenses and keep track of your spending.


  • Track expenses and spending
  • View account statements
  • Manage virtual cards


Divvy Credit Card Fees

With its straightforward pricing, the Divvy business card keeps things basic: There is no annual fee. Also, since it's a charge card, there is no ongoing APR, and no introductory APR offers on new purchases or balance transfers. Additionally, there is a foreign transaction fee up to 0.90% and additional 0.20% currency exchange fee.

To keep your account in good standing, you must pay off your entire monthly credit card balance. While this may help you avoid overpaying, it also restricts the card's usefulness if you have to carry debt at some point.

On the other hand, based on the size of your company, the card offers a wide range of potential credit lines ranging from $1,000 to $15 million


How The Divvy Business Credit Card Compares To Others

Assuming you can make weekly bill payments, the Divvy business credit card is a fantastic reward-earning card—particularly for restaurant and hotel expenses—and makes sense as a standalone rewards card.

However, if you're only paying once per month, the rates on this credit card are not as competitive, and there are better no-fee business credit options. Consider these alternatives that have simpler rewards structures:

Divvy Credit Card
Divvy Card
High rewards rate
No annual fee
No hard credit inquiry
More complicated rewards structure
Cannot carry a balance month-to-month
Rewards not as high when paying monthly
Brex Credit Card
Brex Card
High rewards rates
No personal guarantee
No annual fee
More complicated rewards structure
Daily payments required for best rewards rate
Business checking required with $50,000+ balance
Chase Ink Business Unlimied Credit Card
Ink Business Unlimited
No annual fee
Simple rewards structure
Sign-up bonus opportunity
Uncompetitive rewards rate
No 0.00% APY intro offering
No bonus rewards spending categories

Divvy Vs. Brex Credit Card

If you're a startup with no credit history, the Divvy card is likely your best bet. This card will help you establish business credit and come with a much higher potential credit line than the Brex card. However, if your business has already established a high credit score, Brex may be the better option since it does not require a weekly payment to get higher rewards on its credit card.

Divvy Vs. Chase Ink Business Unlimited Credit Card

The Divvy credit card offers a higher potential credit line and more flexible rewards than the Chase Ink Business Unlimited Credit Card. However, the Divvy card does require a weekly payment, while the Chase Ink Business Unlimited Credit Card does not. If you want a more traditional business credit card with a flat rewards rate, we recommend the Chase Ink Unlimited business card.

If you're looking for the best personal credit cards, consider reading our top 3 personal credit card picks.


Divvy Credit Card FAQ

  • What Is Divvy?

    Divvy is a business credit card that helps you build business credit as you make payments. It offers a revolving line of credit, so you can borrow money as needed and pay it back the following month.

  • How Does The Divvy Card Work?

    The Divvy card works like a traditional business charge card. You can use it to make purchases and withdraw cash advances as you need them. You will need to pay off your balance in full each month. Divvy does not have an annual fee or ongoing APR, so you will only be charged for your purchases.

  • What Is Divvy's Credit Limit?

    The Divvy credit limit is based on the size of your company and the revenue it generates. Divvy offers a wide range of potential credit lines ranging from $1000 to $15 million.

Bottom Line

Is The Divvy Credit Card Worth It?

The Divvy business card is an excellent option for businesses that need to establish credit or grow their credit lines. It also offers a flexible rewards structure that can be tailored to your business spending. However, the card does require a weekly payment, which may not be ideal for all businesses. Overall, we believe this business card is a great option for new companies that need to build business credit while still earning competitive rewards on restaurants, recurring software subscriptions, and more. 

Divvy Credit Card Review 2024 – Earn Up To 7x Rewards
Divvy Credit Card Review 2024 – Earn Up To 7x Rewards
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