Is Divvy now BILL Spend & Expense?

Yes. Divvy is now called BILL Spend & Expense. The product combines corporate cards, budgeting, and expense management under the BILL brand, although you may still encounter the Divvy name in older reviews and product references. When researching features or pricing, check the current BILL offering rather than relying on older Divvy descriptions.[1]

How much does BILL Spend & Expense cost?

BILL advertises Spend & Expense software at $0 per user per month. The offering includes corporate cards, budgets, expense tracking, and other expense management features, but access to the credit product requires approval. Before signing up, review the applicable card terms, repayment requirements, and any fees associated with the services your company plans to use.[2]

Does BILL Spend & Expense include travel booking?

Yes. BILL Travel provides flight, hotel, and rental car booking within BILL Spend & Expense, along with travel policies, approval workflows, and 24/7 traveler support. Bookings can be connected to BILL cards, budgets, and expense reporting.[7] Companies should confirm which capabilities are available to their accounts and how travel booking and expense management work together.

How does BILL Spend & Expense compare with Navan?

Both BILL Spend & Expense and Navan offer corporate travel and expense management capabilities, including booking, spending controls, and traveler support. BILL's offering centers on the BILL Divvy Card, budgets, and expense workflows, with travel booking available through BILL Travel. Navan combines corporate travel booking with expense management and spending controls. Buyers should compare payment options, accounting integrations, policy management, and support against their specific requirements.[1][4]

Divvy review, explained: Cards, budgets, and expenses

Reviews

Victoria Landsmann

•November 9, 2026•

4 minute read

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Divvy review graphic with a smiling woman against a coral background

If you're considering Divvy, now called BILL Spend & Expense, the main appeal is straightforward: corporate cards and expense management software without a per-user subscription fee. The platform offers budgeting, spending controls, receipt capture, and accounting integrations, but credit eligibility and workflow requirements still matter.

This Divvy review examines the pricing, features, and customer feedback that can help you decide whether BILL is a good fit for your business.

Key takeaways

BILL Spend & Expense combines corporate cards, budgeting, and expense tracking in one platform.
Its free software can appeal to businesses looking to control spending without adding subscription costs.
BILL's budgeting tools help finance teams set spending limits before employees make purchases.
Customer reviews highlight ease of use but also raise concerns about integrations and support.
Navan is worth comparing if your business needs to manage travel booking and expenses together.

Who is BILL Spend & Expense best suited to?

BILL positions Spend & Expense for small and midsize businesses that need more control over employee spending. It works best when the organization is comfortable using the BILL Divvy Card and wants budgets to govern what cardholders can spend.^[1]

It is worth considering for:

Finance teams replacing shared cards with named physical or virtual cards and individual limits.
Department managers working from budgets who need visibility before month-end.
U.S. businesses prioritizing software cost that can qualify for BILL's card product.

BILL also offers business travel booking and support through BILL Travel, along with virtual cards that can be used internationally.^[6][7] Companies with operations in multiple countries should confirm account eligibility, card issuance, and supported payment arrangements rather than assuming international card acceptance means the same capabilities are available everywhere.

What does Divvy pricing include?

BILL publishes Spend & Expense at $0 per user per month. The offering includes corporate cards, budgets, expense tracking, reimbursements, mobile access, integrations, and rewards. Access to the BILL Divvy Card is subject to approval.^[2]

The software may be free, but companies still need to understand the card terms and any applicable fees. Before signing up, check:

Repayment terms: The BILL Divvy Card is a charge card, so balances are due in full each billing cycle.^[8]
Late or returned payments: Review the applicable fees and repayment requirements.^[8]
International transactions: Check foreign-currency and cross-border fees.^[8]
Payment services: Identify any fees for additional BILL services your company plans to use.
Rewards eligibility: Confirm which transactions and account behaviors qualify.

Rewards also have qualification and redemption conditions, including tenure and minimum-point requirements.^[4]

How do BILL Divvy cards and budgets work?

Administrators can issue physical and virtual cards, allocate funds through budgets, set flexible limits, and see transactions as they occur. Managers can set spending limits before employees make purchases, rather than waiting until expense reports arrive to identify overages.^[1]

Virtual cards can also be assigned to individual vendors, giving finance teams a way to manage recurring subscriptions and online purchases separately.^[7]

The model can be useful for recurring software purchases, project expenses, field teams, and employees who need controlled access to company funds. During a pilot, test:

Temporary limits: Raise and reduce an employee's available budget.
Budget transfers: Move funds between teams or projects.
Card freezes: Check how quickly administrators can stop and restore spend.
Merchant restrictions: Test allowed and blocked purchase categories.
Role changes: Confirm what happens to cards, budgets, and approvals when an employee moves teams.

How does BILL automate receipts and expenses?

BILL uses AI-assisted receipt capture, matching, and transaction coding. Employees can upload receipts from the mobile app, and the product supports reimbursements for out-of-pocket spending.^[1][2]

Some Capterra reviewers report app glitches, manual sales-tax entry, and difficulties with reconciliation or accounting-field mapping.^[3] During a pilot, test missing receipts, split expenses, mileage, reimbursements, accounting corrections, and transactions that don't match the expected merchant or budget.

Which accounting integrations does BILL support?

BILL Spend & Expense offers automatic syncing with QuickBooks Online, QuickBooks Desktop, Oracle NetSuite, Xero, and Sage Intacct.^[9] The available fields and workflows may vary by accounting system, so confirm the integration supports the information your finance team needs.

Ask the implementation team to demonstrate how transactions, accounts, classes, departments, projects, subsidiaries, and closed-period corrections sync with your accounting software. G2's May 2026 product analysis notes that some reviewers report integration, automation-rule, reimbursement, and customer-service issues.^[5]

What do users say about BILL Spend & Expense?

Capterra lists 4.7/5 across 440 reviews, including 4.6 for ease of use and 4.6 for customer service.^[3] G2's May 2026 product analysis lists 4.5/5 across 2,238 reviews and highlights ease of use, budgets, payments, and receipts, with concerns around integrations, rules, reimbursements, and support.^[5]

Platform	Rating	Review volume
Capterra	4.7/5	440
G2	4.5/5	2,238

Customer feedback is generally positive, particularly around issuing cards, uploading receipts, and tracking budgets. Some reviewers report problems with integrations, reimbursements, and support, so those are worth testing before making a decision.

During a pilot, pay particular attention to receipt reminders, card or account support issues, and accounting corrections. Test these scenarios against your own chart of accounts and approval rules rather than relying on overall ratings alone.

Decide whether BILL Spend & Expense fits your business

BILL Spend & Expense is worth considering if your company wants corporate cards, budget controls, and expense management software without a per-user subscription fee. BILL Travel also adds flight, hotel, and rental car booking, travel policies, and traveler support, making it relevant to companies evaluating travel and expenses together.^[6]

Before committing, confirm card eligibility and repayment terms, then test how the platform handles accounting workflows, approvals, and exceptions. If travel is a significant part of your company's spending, compare the booking experience, payment options, policy controls, and support available from each provider.