Divvy vs Pluto: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Divvy and Pluto side by side. This page compares data; it is not a hands-on review.
On the data: On the data below the two are close or not directly comparable, so we do not name a winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Divvy
Business expense management and corporate cards
Best for you if:
- • You want a fully free tool (Pluto requires payment)
Pluto
Modern corporate card and spend management platform with AI-powered automation.
Best for you if:
- • You want significant time savings (100+ hours/month) through AI automation
| At a Glance | Divvy | Pluto |
|---|---|---|
Starts at | Free 100% free | Free plan, paid from $99/mo, billed monthly Growth plan |
Category | Finance Expense Management | Finance Expense Management |
Rating | 4.5/5 G2 4.5 2,237 reviews | 4.6/5 G2 4.6 503 reviews |
Free plan | Yes | Yes |
Watch out for | n/a | Additional users on Growth tier ($9 USD/month each) |
Choose Divvy or Pluto?
Choose Divvy if
- You want a fully free tool (Pluto requires payment)
- You want free expense management
- You want corporate cards
Choose Pluto if
- You want significant time savings (100+ hours/month) through AI automation
- You want unlimited cashback on international transactions and up to 1.25% on domestic
In-Depth Analysis
Divvy
Business expense management and corporate cards
Divvy's pricing is exceptionally generous, offering a full-featured corporate card and expense management platform for free.
Strengths
- Pro: Free expense management
- Pro: Corporate cards
- Pro: Budget controls
- Pro: Good UI
- Pro: Bill.com owned
Weaknesses
- Con: US only
- Con: Credit line requirements
- Con: Limited international
- Con: Some features need upgrade
- Con: Rewards less than Ramp
Key features
Pluto
Modern corporate card and spend management platform with AI-powered automation.
Pluto's pricing is quite generous, especially with its robust 'Free Forever' tier offering essential spend management for up to 5 users.
Watch out
Additional users on Growth tier ($9 USD/month each)
Strengths
- Pro: Significant time savings (100+ hours/month) through AI automation.
- Pro: Unlimited cashback on international transactions and up to 1.25% on domestic.
- Pro: Comprehensive control over all types of company spending.
- Pro: Supports global subsidiaries in multiple countries.
- Pro: Free plan available for SMEs with up to 10 users.
Weaknesses
- Con: Advanced features like multi-subsidiary support and budget autopilot are paid add-ons or part of higher tiers.
- Con: The highest domestic cashback rate is capped to the subscription fee, potentially limiting its benefit for some businesses.
- Con: The free plan has limitations on the number of users and virtual cards.
Key features
Plans and prices: Divvy vs Pluto
| Tool | Plans and prices | Source |
|---|---|---|
| Divvy |
| divvy.co/pricing read Oct 4, 2026 |
| Pluto |
| getpluto.com/pricing read Oct 4, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Divvy pricing and Pluto pricing.
Key Takeaways
Divvy
- Choose if you want business expense management and corporate cards
Pluto
- Choose if you want modern corporate card and spend management platform with AI-powered automation
What the data shows
On the data below the two are close or not directly comparable, so we do not name a winner for this pair.
- User ratings are within 0.2 points (4.5/5 from 2,237 reviews for Divvy, 4.6/5 from 503 reviews for Pluto).
- Pluto starts at $99/mo, billed monthly; Divvy has no public paid plan price on file.
- Both have a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Divvy and Pluto compare in 2026?
On the data below the two are close or not directly comparable, so we do not name a winner for this pair. User ratings are within 0.2 points (4.5/5 from 2,237 reviews for Divvy, 4.6/5 from 503 reviews for Pluto). Pluto starts at $99/mo, billed monthly; Divvy has no public paid plan price on file. Both have a free plan.
What are Divvy and Pluto used for?
Divvy: Business expense management and corporate cards. Pluto: Modern corporate card and spend management platform with AI-powered automation.
What does Divvy cost vs Pluto?
Divvy is free. Pluto's cheapest paid plan is Growth at $99/mo, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Oct 4, 2026.
What's the main difference between Divvy and Pluto?
Divvy's main strength: free expense management. Pluto's main strength: significant time savings (100+ hours/month) through AI automation.