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Divvy Credit Card

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The Divvy Credit Card is part of the Divvy package of services, which includes budgeting and expense management tools. It comes with free employee cards that earn rewards for restaurants, hotels, and software subscriptions, and up to to 1.5X points per dollar on all other purchases. This unique charge card lets you choose between weekly, semi-monthly, or monthly payment terms with varying reward rates for each option. It’s designed for small to midsize business, and comes with no annual fee.

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

Divvy Credit Card

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

Highlights & Features


Spending Rewards
  • Up to 7X points per dollar at Restaurants
  • Up to 5X points per dollar at Hotels
  • Up to 2X points per dollar on Software Subscriptions
  • Up to 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 2.99% or $38, whichever is greater
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee Up to 0.90%, plus 0.20% currency conversion fee
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
Divvy Credit Card


  • Rewards are based on your chosen payoff schedule: up to 7X points per dollar at restaurants, up to 5X at hotels, up to 2X on software subscriptions, and up to 1.5X on all other purchases
  • Weekly, semi-monthly, or monthly payment terms
  • Various credits and perks for business services
  • No personal guarantee required if approved by business credit
  • No annual fee
  • No foreign transaction fee

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


Divvy specializes in automating and easing the processes of managing employee credit cards, offering an intuitive dashboard to customize, set limits, and control each card individually.

See our review of the Divvy business budgeting and expense management platform.

Physical and virtual cards are free, and you can create an unlimited number of them for employees to use. Per card, you can enforce spend limits, view live spending reports, and earn rewards on all of your purchases. You can set up cards to be used for subscription services, or set them to expire after one use.

Your reward rates are based on your chosen payment terms. The longer you wait to pay, the fewer points you’ll earn.

Weekly Semi-Monthly Monthly
Restaurants 7X 4X 2X
Hotels 5X 3X 2X
Software subscriptions 2X 1.75X 1.5X
Other purchases 1.5X 1X 1X

There’s a slew of discounts and credits for software and services that your business can take advantage of. As of July 2021, some of these include:

  • $150 statement credit for Google Ads
  • $15 off Fedex Office print orders
  • $200 BambooHR credit
  • $50 off a new Costco membership
  • 20% off an annual MileIQ subscription

The Divvy Card doesn’t have an annual fee or foreign transaction fee.

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