{"id":124545,"date":"2024-09-11T19:00:51","date_gmt":"2024-09-11T19:00:51","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/09\/11\/bill-divvy-corporate-card-review-full-details-the-points-guy\/"},"modified":"2024-09-11T19:00:51","modified_gmt":"2024-09-11T19:00:51","slug":"bill-divvy-corporate-card-review-full-details-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/09\/11\/bill-divvy-corporate-card-review-full-details-the-points-guy\/","title":{"rendered":"BILL Divvy Corporate Card review: Full details &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div><a id=\"bill-divvy-corporate-card-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">BILL Divvy Corporate Card overview<\/h2>\n<p>Here&#8217;s a type of card you&#8217;ve probably never seen before: <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bill-divvy-corporate-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The BILL Divvy Corporate Card<\/a><\/span> is a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" target=\"_blank\" rel=\"noopener\">business credit card<\/a> that transforms the way you earn \u2014 offering additional points awarded on purchases if you pay your bill weekly or semi-monthly. This return is even more impressive because the BILL Divvy Corporate Card is a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/no-annual-fee\/\" target=\"_blank\" rel=\"noopener\">no-annual-fee credit card<\/a>.<\/p>\n<p>However, both the lucrative bonus categories and the options for redeeming points are limited. Let&#8217;s take a look at whether this card will fit into your business strategy. <strong>Card Rating*: \u2b50\u2b50\u2b50<\/strong><\/p>\n<h6><em>*<a href=\"https:\/\/thepointsguy.com\/review-methodology\/\" rel=\"noopener\" target=\"_blank\">Card rating<\/a> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/em><\/h6>\n<hr class=\"jsx-3272990499\"\/>\n<p>The<span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bill-divvy-corporate-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\"> BILL Divvy Corporate Card<\/a><\/span> is a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/corporate-credit-cards-explanation\/\" target=\"_blank\" rel=\"noopener\">business credit card<\/a>, meaning it&#8217;s a good no-annual-fee option for rapidly growing organizations and sole proprietors who want to take more control over their business spending.<\/p>\n<p>It&#8217;s very handy no matter the size of your business, as it automates much of the clerical minutiae of owning a small business (we&#8217;ll get into that later). However, if you have a small payroll with limited needs to extend lines of credit to employees, some of the card&#8217;s most notable features won&#8217;t be of use to you.<\/p>\n<p>This card also may appeal to you if you&#8217;ve already opened most other popular small-business cards and are looking for something outside the realm of Chase, Amex, Citi and other major issuers. It shouldn&#8217;t count against your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" target=\"_blank\" rel=\"noopener\">Chase 5\/24 status<\/a>, as most small-business cards don&#8217;t appear on your personal credit report.<\/p>\n<p>BILL stipulates that this credit card is for those with &#8220;good to excellent&#8221; credit, so we recommend a 670 credit score or higher before applying.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-freelancers\/\" rel=\"noopener\" target=\"_blank\">7 credit cards every freelancer should have in their wallet<\/a><\/strong><\/p>\n<p><a id=\"bill-divvy-corporate-card-pros-and-cons\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">BILL Divvy Corporate Card pros and cons<\/h2>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Pros<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>\n<ul>\n<li>Earn more bonus points by paying off your balance more frequently<\/li>\n<li>Flexible redemption methods<\/li>\n<li>Extensive control over employee spending<\/li>\n<li>No annual fee<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Rewards can&#8217;t be redeemed for one year<\/li>\n<li>Most redemption options don&#8217;t provide much value<\/li>\n<li>Lacks the comprehensive protections of other business cards<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"bill-divvy-corporate-card-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">BILL Divvy Corporate Card welcome offer<\/h2>\n<p>The bad news here is that the <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bill-divvy-corporate-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">BILL Divvy Corporate Card<\/a><\/span> currently offers no welcome bonus.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/09\/BILL-Divvy-Corporate-Card-Vertical.png?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>That puts it at a disadvantage compared to many popular business cards out there, which often come with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/limited-time-card-offers\/\" target=\"_blank\" rel=\"noopener\">lucrative welcome bonuses<\/a>.<\/p>\n<p><a id=\"bill-divvy-corporate-card-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">BILL Divvy Corporate Card benefits<\/h2>\n<p>While you examine these card benefits, keep in mind two things:<\/p>\n<ul>\n<li>You&#8217;re potentially saving money by accounting for every dollar.<\/li>\n<li>You&#8217;re running (nearly) every penny of business expenses through BILL to earn maximum rewards.<\/li>\n<\/ul>\n<p>These are the things BILL wants to achieve for your small business that other cards may fail to do. I attended a demo of the credit card, and the card does offer an edge over all other small-business cards in the above capacities.<\/p>\n<p>The BILL Divvy Corporate Card is also easy on the bottom line with no <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-credit-card-annual-fees\/\" target=\"_blank\" rel=\"noopener\">annual fee<\/a>, plus no extra fees for requesting employee cards and no maximum limit on employee cards.<\/p>\n<p>The main feature of the card, though, is the way you can divvy up your corporate card&#8217;s line of credit.<\/p>\n<p>One of the most worrisome aspects of adding an authorized user or employee to your primary credit card is the fact that they have carte blanche access to your credit line. The budget feature solves that problem as you can dole out a unique amount of credit for specific situations, only as much as you&#8217;re willing to spend.<\/p>\n<p>As the budget owner, you can view an extremely digestible dashboard of all your assigned budgets. It contains graphics reflecting the size of each budget, how much has been spent and how much remains. You can also create unlimited budgets.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/03\/Young-businessman-paying-with-credit-card-in-office_Westend61.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">WESTEND61\/GETTY IMAGES<\/figcaption><\/figure>\n<p>For example, you can create budgets for each employee to ensure they don&#8217;t blow out your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-with-highest-limits\/\" target=\"_blank\" rel=\"noopener\">credit limit<\/a> or rack up too many unexpected expenses. If an employee travels to a conference, you can assign a dollar amount to their card. Once they <a href=\"https:\/\/thepointsguy.com\/credit-cards\/over-credit-limit\/\" target=\"_blank\" rel=\"noopener\">hit the card&#8217;s limit<\/a>, the card will decline.<\/p>\n<p>On the same note, each employee can request a bump in credit from the budget owner. The budget owner can release more credit in real time if there are unforeseen expenses.<\/p>\n<p>You can also establish a &#8220;grace period&#8221; of sorts, where the card won&#8217;t decline if the cardholder nominally breaches their credit line.<\/p>\n<p>With BILL Divvy, you can give different permissions to different cardholders. If, for some reason, you want to give another cardholder access to account information, you can do this without handing over your personal login credentials.<\/p>\n<p>Even if you can&#8217;t use your BILL Divvy Corporate Card for all purchases, you can still input any expense into BILL Divvy and reimburse yourself for purchases you make without the BILL Divvy Corporate Card through ACH deposits for free.<\/p>\n<p><a id=\"earning-points-on-the-bill-divvy-corporate-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning points on the BILL Divvy Corporate Card<\/h2>\n<p>The section you&#8217;ve been waiting for. The BILL Divvy Corporate Card earns rewards on all spending (quite generously, in some categories).<\/p>\n<p>One (unfortunate) catch is that you won&#8217;t earn points for reimbursements. That would have been a gold mine for points and miles enthusiasts.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/12\/GettyImages-1325134124.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MARKO GEBER\/GETTY IMAGES<\/figcaption><\/figure>\n<p>In short, the BILL Rewards strategy is to make more expenses rewardable than other small-business credit cards. What you earn depends on two things:<\/p>\n<ul>\n<li>Which bonus categories you spend in<\/li>\n<li>How often you pay your bill<\/li>\n<\/ul>\n<p>Here&#8217;s what you&#8217;ll earn.<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Payment frequency<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Restaurants<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Hotels<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Recurring software subscriptions<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>All other purchases<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td><strong>Weekly<\/strong><\/td>\n<td>7 points per dollar<\/td>\n<td>5 points per dollar<\/td>\n<td>2 points per dollar<\/td>\n<td>1.5 points per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Semi-monthly<\/strong><\/td>\n<td>4 points per dollar<\/td>\n<td>3 points per dollar<\/td>\n<td>1.75 points per dollar<\/td>\n<td>1 point per dollar<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td><strong>Monthly<\/strong><\/td>\n<td>2 points per dollar<\/td>\n<td>2 points per dollar<\/td>\n<td>1.5 points per dollar<\/td>\n<td>1 point per dollar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p>Earn up to 7 points per dollar <a href=\"https:\/\/thepointsguy.com\/credit-cards\/dining\/\" target=\"_blank\" rel=\"noopener\">at restaurants<\/a> \u2014 on a no-annual-fee card? That certainly sounds above average. But let&#8217;s look at how to use those points and how much they are worth.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-business-credit-card-for-dining\/\" target=\"_blank\" rel=\"noopener\">What&#8217;s the best business credit card for dining purchases?<\/a><\/strong><\/p>\n<p><a id=\"redeeming-points-on-the-bill-divvy-corporate-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Redeeming points on the BILL Divvy Corporate Card<\/h2>\n<p>You must redeem your points through the BILL Rewards online platform.<\/p>\n<p>Specify how many points you want to redeem and choose a redemption method:<\/p>\n<p>BILL Divvy Rewards are worth, at most, 1 cent each. To redeem points, you&#8217;ll need to accrue at least 5,000 points in your first cardmember year, and your account must be at least one year old. Here are the various ways to spend your points and the value you&#8217;ll receive for each option.<\/p>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\"><strong>Redemption type<\/strong><\/th>\n<th class=\"jsx-3297233758\"><strong>Value per point<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>BILL Divvy travel<\/td>\n<td>1 cent per point<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Gift cards<\/td>\n<td>~0.51 cents per point<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Statement credit<\/td>\n<td>~0.49 cents per point<\/td>\n<\/tr>\n<tr class=\"jsx-3297233758\">\n<td>Cash back<\/td>\n<td>~0.52 cents per point<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p>As you can see, points are worth about half a cent for most redemptions. If you&#8217;re using this card to earn cash back and pay your bill weekly, that&#8217;s like earning:<\/p>\n<ul>\n<li>3.6% back at restaurants (7 points per dollar)<\/li>\n<li>2.6% back at hotels (5 points per dollar)<\/li>\n<\/ul>\n<p>For a no-annual-fee card, that&#8217;s pretty good. However, all other earning scenarios with this card aren&#8217;t as great.<\/p>\n<p>If you prefer to use your rewards for travel, your return will be much greater \u2014 but you&#8217;re now competing with an elite catalog of travel credit cards that can sometimes net you far more value for your spending if you know the best ways to maximize those rewards.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/01\/Man-using-laptop-in-living-room-at-home_Morsa-Images.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MORSA IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>But, here&#8217;s the process for using your BILL Divvy Rewards points for travel:<\/p>\n<ul>\n<li>Pay for travel with the BILL Divvy Corporate Card<\/li>\n<li>Click &#8220;Redeem Rewards&#8221; on your BILL dashboard<\/li>\n<li>Fill out the rewards form with the number of points you want to redeem<\/li>\n<li>Submit the form<\/li>\n<\/ul>\n<p>BILL Divvy Rewards says that your redemption will be processed within 10 business days.<\/p>\n<p>The process is a two-edged sword. You can book directly with the travel provider instead of going through a third-party portal, which is great news for those wanting to use points for hotels, as you typically only earn elite night credits, elite benefits and hotel points if you <a href=\"https:\/\/thepointsguy.com\/guide\/dont-book-through-online-travel-agency\/\" rel=\"noopener\" target=\"_blank\">book directly<\/a>.<\/p>\n<p>However, you must use the BILL Divvy Corporate Card to reserve your travel, meaning those with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/airline\/\" target=\"_blank\" rel=\"noopener\">airline<\/a> or <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel\/\" target=\"_blank\" rel=\"noopener\">hotel<\/a> credit cards won&#8217;t be able to earn extra rewards or kick in built-in travel protections on these purchases.<\/p>\n<p><a id=\"which-cards-compete-with-the-bill-divvy-corporate-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the BILL Divvy Corporate Card?<\/h2>\n<p>There are plenty of other business cards that might be a better fit for your company:<\/p>\n<p>For additional options, check out our guide to the <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">best business credit cards<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express-business-gold-worth-annual-fee\/\" target=\"_blank\" rel=\"noopener\">Is the Amex Business Gold worth the annual fee?<\/a><\/strong><\/p>\n<p><a id=\"is-the-bill-divvy-corporate-card-worth-it\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Is the BILL Divvy Corporate Card worth it?<\/h2>\n<p>If you&#8217;re searching for a business card with no annual fee that has a good earnings structure and offers a lot of control over employee spending, the BILL Divvy Corporate Card is a worthwhile choice. If you want greater flexibility with your rewards, there are better options on the market for your business.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p><span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bill-divvy-corporate-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">The BILL Divvy Corporate Card<\/a><\/span> introduces some interesting perks to the business credit card world.<\/p>\n<p>You can give employees varying degrees of account access, set strict budgets for each employee card and reimburse yourself for expenses from your personal payment method to keep within budget. And interestingly, you&#8217;re rewarded based on the frequency with which you pay off your balance. You can earn potentially 3.5 times more points by paying your bill weekly instead of monthly.<\/p>\n<p>Even if the BILL Divvy Rewards system isn&#8217;t the best, that may be enough to spur many business owners to give it a try.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-applying-small-business-credit-cards\/\" target=\"_blank\" rel=\"noopener\">How to get a business credit card<\/a><\/strong><\/p>\n<p><em>For rates and fees of the Amex Business Gold, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-business-gold-card-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/reviews\/divvy-business-credit-card-review\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BILL Divvy Corporate Card overview Here&#8217;s a type of card you&#8217;ve probably never seen before: The BILL Divvy Corporate Card is a business credit card that transforms the way you earn \u2014 offering additional points awarded on purchases if you pay your bill weekly or semi-monthly. This return is even more impressive because the BILL [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":124546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-124545","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/124545","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=124545"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/124545\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/124546"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=124545"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=124545"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=124545"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}