BILL Spend & Expense Review 2026: Features, Pricing, Pros & Cons

You can redeem points for travel purchases, gift cards, statement credits, or straight cash back. You get the most value for travel redemptions — $0.01 per point — and about $0.005 per point for all other options. So, if you or your team regularly travel for business, Divvy is much more rewarding. The BILL Divvy Corporate Card is the flexible credit line at the heart of the BILL ecosystem. It knits the other two main BILL features — budgeting and expense management — together. The Divvy eligibility requirements are way more accessible than that of Ramp and Brex (who both make their account criteria unnecessarily high).

See where AI-powered financial automation can take your business

• Checking accounts and treasury accounts provided through Rho are protected by deposit insurance with the Federal Insurance Deposit Corporation (FDIC).
• To be eligible for a Rho account, a business must have been formed in the United States as a corporation, LLC, or LP (i.e., no sole proprietorships or unincorporated businesses).
• On TrustRadius, Bill.com received a score of 7.7 out of 10 based on more than 270 reviews.
• On the other hand, you should choose Bill if your business has solid credit but lower cash on hand.
• Users also have access to accounts payable on the mobile app from where they can perform key tasks, such as approving or paying bills on the go.

There’s no waiting period, no minimum balance and your points don’t expire. Admins can easily track which receipts are missing and send follow-ups. Both platforms offer real-time tracking, but they present the information in different ways. Ramp also stands out Streamline Your Finances with Expert Accounting Services For Startups here with one-click ERP sync and smart GL coding that learns from past transactions. Teams using Ramp report closing books up to 8X faster, thanks to automated expense categorization and conditional field logic.

Best expense management platform: BILL Spend & Expense vs. Rho

• While there have been a few complaints about the sluggishness of the app, customer service has been quick to respond and take action on issues reviewers mentioned.
• Its expense management tools let you instantly review and categorize business expenses and set enforceable budgets on different categories.
• The reason is because they are extremely accessible and do not require bank minimums like the other competitors do.
• The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only.

Bill is better if you prefer a fixed, credit-based approach and tighter control over your expenses. Brex and Bill both make business spending easier, but they come from different roots in the accounts payable landscape. Each provider offers support through multiple channels, such as phone, email, and chat. Both are known for responsive https://dimensionzen.com/streamline-your-finances-with-expert-accounting-services-for-startups/ service and dedicated account managers for larger clients. User reviews indicate similar satisfaction levels with support quality and resolution times. Both cards require business registration and bank account verification.

Zeni card fees vs competitors

• The biggest difference comes down to how much you want the system to think for you.
• 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.
• Brex’s approach is similar to that of most credit cards, offering specific amounts of Brex rewards points for various types of purchases.
• Powered by AI, the software extracts and enters data for users to review, remembers custom approval policies that have been set up, and notifies users if there’s an error, duplication, or issue.
• While the company does offer paid plans for its Accounts Payable & Receivable offering, there are no additional tiers for credit services.

Stripe tracks your spending each month and divides your spending into specific categories. You get 2% cashback on whatever your top two categories are each month. Divvy offers rewards for various types of purchases too, but they let you choose your own reward plan.

QuickBooks Online vs Zoho Books

This is another great corporate card with no annual fees required and plenty of valuable features included to make it a powerful credit-building option for startups. BILL Divvy typically requires a minimum personal credit score of 670 for the primary cardholder providing the personal guarantee. However, the company also considers business factors like revenue, time in business, and bank account balances when making credit decisions. Both BILL and Ramp offer free business credit products with included features, such as expense management and spend monitoring tools.