Skip to content

Divvy Credit Builder

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The Divvy Credit Builder program provides a convenient way to establish business credit, with a prepaid system rather than a typical line of credit. Divvy Credit Builder comes with all the same features as the standard Divvy platform, like rewards and spend management tools.

Our rating
Min. credit level: Eligibility determined by business financials
Annual Fee: $0

Divvy Credit Builder

Our rating
Eligibility determined by business financials Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 7X points per dollar at Restaurants
  • 5X points per dollar at Hotels
  • 2X points per dollar on Software Subscriptions
  • 1.5X points per dollar on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • No Foreign Transaction Fee
  • Emergency Travel Assistance

Cross River Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Divvy Credit Builder program provides a way for businesses to establish and build credit. Rather than extending a line of credit, Divvy Credit Builder is a prepaid account that you can use and reload over and over again.

Unlike most prepaid cards, your activity will be reported to Dun & Bradstreet and Small Business Financial Exchange. That means with responsible use you can build your business credit, and eventually qualify for an actual line of credit. Divvy will look for an opportunity to give you a credit line, so be sure to make your payments on time, all the time, for all of your debts. (Activity isn’t reported to the consumer credit bureaus, so Divvy doesn’t affect your personal credit.)

Divvy’s Credit Builder program comes with all the same features as the standard Divvy program, including the weekly rewards, credits for business services, virtual cards, and business management tools. The only difference is that you need to prefund the account.

When you apply for Divvy, you’ll first be considered for the standard program, which comes with the Divvy Credit Card (Review). If you don’t qualify, you’ll be considered for this Credit Builder product.

Scroll to top