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Divvy

Claim this toolEditor reviewed

Business expense management and corporate cards

Expense ManagementFinanceAccounting
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Tracked since2025
0 reviews tracked

The Bottom Line

Entry price

Free, no paid tier

Biggest pro

Free expense management

Biggest con

US only

TL;DR - Divvy

  • Divvy is an expense management platform with corporate cards and automated expense reports
  • It provides real-time spend visibility, budget controls, and integrates with accounting software
  • Free to use with no subscription fees
Pricing: Free forever
Best for: Individuals & startups

What is Divvy?

Editorial review
Divvy combines corporate cards with expense management software. Employees spend on Divvy cards, managers see transactions in real-time, and finance gets the controls they need. Budgets set spending limits. Approval workflows catch issues early. Integration with accounting eliminates manual reconciliation. Companies wanting expense management that works with spending rather than chasing receipts after choose Divvy for integrated card and expense.

Available on: Web, iOS, Android

how we evaluateSourcedivvy.co ↗

Pros & Cons

Pros

  • Free expense management
  • Corporate cards
  • Budget controls
  • Good UI
  • Bill.com owned

Cons

  • US only
  • Credit line requirements
  • Limited international
  • Some features need upgrade
  • Rewards less than Ramp

Key Features

Expense managementCorporate cardsBudgetsReimbursementsAccounting integrationFree

Pricing Plans

Free Trial

Pricing checked Aug 23, 2026

Free

Spend management

  • Corporate cards
  • Expense management
  • Budgeting
  • No monthly fee
Calculate your costView full pricing

Is Divvy worth the price?

95/100

Divvy's pricing is exceptionally generous, offering a full-featured corporate card and expense management platform for free.

This is a highly competitive offering, especially considering the robust features included at no cost. It's best for any business looking to streamline expenses without incurring additional software fees.

Hidden Costs & Gotchas

Potential interchange fees on card transactions

No explicit mention of advanced analytics costs

Integration limitations for niche ERPs

Premium support tiers not detailed

How Divvy Compares to Competitors

Compared to competitors like Brex and Ramp, Divvy stands out by explicitly marketing itself as 'free' with no monthly fees. While Brex and Ramp also offer free core platforms, Divvy's messaging is more direct about the zero-cost entry, making it highly attractive for businesses sensitive to software subscription fees.

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Best Divvy Alternatives

Top alternatives based on features, pricing, and user needs.

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Still deciding?

Most buyers shortlist 2 or 3 tools before committing. Pull a side-by-side comparison or browse the full alternatives shortlist below.

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Divvy FAQ

How does Divvy streamline expense reporting for employees?

Divvy combines corporate cards with expense management software, allowing employees to spend on Divvy cards. This integration means managers see transactions in real-time, reducing the need for employees to manually submit expense reports after the fact.

What kind of user benefits most from Divvy?

Divvy is best suited for companies that want to manage expenses proactively by integrating corporate cards with spending. It helps finance teams gain control and eliminate manual reconciliation by working with spending as it happens.

How does Divvy compare to Ramp regarding rewards?

While Divvy offers integrated corporate cards and expense management, its rewards program is less extensive than that offered by Ramp. Divvy focuses on providing free expense management and robust budget controls.

What are the primary limitations of using Divvy?

Divvy is currently available only in the US and has limited international capabilities. Additionally, some advanced features may require an upgrade, and there are credit line requirements for its corporate cards.

How is Divvy priced?

Divvy's expense management software is free to use, meaning there is no paid plan required to access its core features. This model allows businesses to manage expenses without additional software costs.

Can Divvy help manage company spending limits?

Yes, Divvy allows companies to set spending limits through its budget feature. This enables managers to control employee spending in real-time and ensures that transactions adhere to pre-approved financial guidelines.

Which teams would find Divvy most useful?

Finance and accounting teams, along with any department managing budgets and employee spending, would find Divvy most useful. Its real-time transaction visibility and automated reconciliation features simplify financial oversight.

Source: divvy.co

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