BILL Spend & Expense

About BILL Spend & Expense

BILL Spend & Expense (formerly Divvy) provides free corporate charge cards with real-time expense tracking, automatic receipt capture, and built-in budget controls. Unlike traditional corporate cards, BILL Spend & Expense lets finance teams set spending limits by employee, department, vendor, and category—enforcing budget policies before money is spent rather than reconciling after.

The platform integrates directly with QuickBooks, Xero, NetSuite, and Sage, automating the expense categorization and coding workflow that typically consumes hours of bookkeeper time each month. Virtual cards can be created instantly for specific vendors or one-time purchases, reducing fraud risk.

BILL Spend & Expense is free for the platform itself; the company earns interchange fees on card spend. This makes it an attractive option for any business spending $5,000+ per month on business expenses who wants to eliminate expense reports, enforce budgets proactively, and automate accounting sync without paying per-seat software fees.

Key Features

• Free corporate charge cards with per-user spending limits
• Real-time budget tracking by employee, department, and vendor
• Automatic receipt capture via mobile app
• Direct accounting sync with QuickBooks, Xero, NetSuite, Sage
• Instant virtual card creation for vendor-specific purchases
• Rewards program: up to 1.5% cashback on eligible spend

User Ratings

Support & Compliance