For Small Businesses

The beauty of these top five corporate cards is that they all integrate with certain accounting software. Cashback rewards are a major draw when choosing a business credit card—but they’re just one piece of the puzzle. Traditional corporate cards offer bonus points, cash rewards, or gift cards on purchases made; some of which are more rewards-based than others which are more cash-back based. Brex gives you fixed multipliers across common business categories. You earn 7x on rideshare, 4x on travel bookings, 3x on restaurants, 2x on software, and 1x on everything else without worrying about payment schedules or usage caps.

Do more with AI-powered accounting automation

It enforces budgets upfront, locks spending to predefined limits, and simplifies approvals through effective management features. So if you use another program to track business expenses for tax or budgeting purposes, you can set up your Divvy account to mirror what you have there. That eliminates time-consuming duplicate entries and ensures your external accounting team works off the same information as the in-house folks responsible for your company budgets. It makes money through card interchange fees, which come out of the net received by merchants you pay with BILL. You don’t pay any interest on the float because you access your BILL business credit line through a corporate charge card that you must pay in full each statement cycle.

How to use the BILL Spend & Expense Platform

However, the Mercury IO card remains an excellent choice — especially for tech startups and digital-first companies. Mercury’s banking suite, combined with the Mercury IO card, offers unique advantages that include competitive Mercury Treasury yields, extensive partner discounts, and developer-friendly features. In this BILL vs. Mercury review, we’ll compare and contrast these two startup corporate cards and cover everything you need to know about each one. If you are trying to decide between the BILL Divvy corporate card and Mercury IO, here is all the info you need to make the right decision. BILL Divvy Corporate Card is a charge card that does not allow you to carry a balance for purchases made. You have several repayment options, but the most frequent options will receive higher reward points for specific purchases.

Cons of Rho Business Credit Card

It shouldn’t count against your Chase 5/24 status, as most small-business cards don’t appear on your personal credit report. There’s a feature for business travelers and includes all the tools you need to book and manage travel and travel expenses. To be eligible, your business must be incorporated in the United States. It also must be a business entity that requires registration with state authorities, such as a corporation, limited liability company (LLC), or limited partnership (LP). Brex provides a dashboard that the primary user can utilize to issue employee cards and control what their budgets are. Brex, Ramp, Stripe, and Zeni offer zero foreign transaction fees for purchases made outside of the United States.

• Additionally, Ramp only offers priority customer support to paid plan members.
• Using the BILL credit card and making consistent payments can build your firms credit rating because they report transactions to a bureau.
• Stripe offers you the ability to process your payments and charge your card, all in one.
• In this BILL vs. Mercury review, we’ll compare and contrast these two startup corporate cards and cover everything you need to know about each one.
• BILL Divvy automatically categorizes expenses, enforces spending policies, and syncs with your accounting software.

Tillful Business Credit Card Review 2025

Below are the most noteworthy features included in BILL’s Spend & Expense plan. Both BILL Divvy and Mercury IO offer zero-annual-fee credit cards, demonstrating their commitment to accessible business financing. Both provide unlimited virtual cards at no additional cost, and late payment fees are standard and comparable between the two providers. Choosing the right business credit card can significantly impact a company’s financial operations and growth potential. Modern entrepreneurs need cards that balance competitive rewards with practical features like expense management and integration capabilities.

Cons of the BILL Divvy credit card

Corporate cards allow employees to pay for business expenses without putting them on their own credit cards, and the card company bills the employer directly. This eliminates time-consuming expense reports and expense approvals. Companies can set limits on spending and get centralized expense tracking and consolidated statements. Both Ramp and BILL offer business accounting for startups credit services that include expense management features, cash back rewards, and unlimited virtual cards to help streamline employee spending.

• BILL.com began offering this solution following its 2021 acquisition of Divvy.
• You can use points for travel, statement credit, or transfer them to 7 airline partners.
• Stripe also uses your payment processing history, especially if you’ve used Stripe’s payment processing software in the past.
• One of the biggest benefits of working with this financing company is its many budgeting and spending tools.
• Before we review the various features of this new breed of corporate credit cards, let’s first review a few points for how they differ from traditional business credit cards.
• These travel cards are an attractive money-saving option for companies where business travel is a core component of their operations.

Plays well with 
Apple & Google Pay

Financial automation software, like BILL, https://ecommercefastlane.com/accounting-services-for-startups/ streamlines tasks such as invoicing, payments, and approvals by automating routine financial processes. BILL offers Spend & Expense, AP and AR automation to optimize accounts payable and receivable workflows, helping businesses reduce manual effort and improve accuracy. By integrating with accounting software, BILL enhances operational efficiency, saves time, and ensures timely payments, which is essential for businesses looking to scale without compromising accuracy. Firms benefit from using financial automation software because it frees up time for staff to work on advisory services instead of tasks.

ACH, international payments, by card, via Bill.com’s network of vendors. BILL Divvy Cards can be provided to all of your employees to use with assigned budgets. If you have a growing team (or are a start-up that raised money), and easily have $75k in the bank, we recommend using Ramp due to their features that are built more for scaling teams. Ramp’s Intelligence feature can also give you guidance on where you may be able to negotiate down vendor costs, as they have access to what other companies your size are paying for services and subscriptions.

Disadvantages of Bill Spend & Expense

The charge card allows you to track your income and expenses in one place. And all of the providers offer virtual cards, enabling users instant access to make purchases once their application has been approved and account setup. EIN and not operating as a sole proprietorship to qualify for a Brex corporate card.