Ramp vs Divvy 2026: Two $0 Corporate Card Platforms Compared (Divvy Is Now BILL Spend & Expense)

Ramp is the better pick for a QuickBooks Online or Xero company that wants cards, expenses and bill pay in one free plan. Divvy, now sold as BILL Spend & Expense, is the better pick for a NetSuite or Sage Intacct company, because its software carries no seat fee on those ledgers while Ramp needs Plus at $15 per user a month. Divvy also prints its rewards table; Ramp does not.

Both vendors were checked on October 21, 2026: Ramp's pricing page, Ramp's rewards terms, BILL's pricing page, BILL Spend & Expense and BILL's rewards page. Toolradar data: in its October 2026 ranking of 87 expense management tools, Toolradar, the software directory we run, places BILL Spend & Expense first and Ramp third, and counts 49% of the category as free, freemium or open source.

Is Divvy still a separate product?

No. Divvy now sits inside BILL, and the product page calls it "BILL Spend & Expense (formerly Divvy)". The card keeps the old name as the BILL Divvy Card, and BILL's card application still runs on a Divvy web address. When a buyer says Divvy in 2026, they mean the BILL Spend & Expense software plus the BILL Divvy Card.

The rename matters for one practical reason: BILL sells payables on separate per-user plans, so a team that wants cards and bill pay from BILL buys two products, while Ramp puts both in its free plan.

At a glance

	Ramp Free	Ramp Plus	Divvy (BILL Spend & Expense)
Software price	$0 per user a month	$15 per user a month, 20% off on annual billing, plus a platform fee	$0 per user a month
Card type	Corporate charge card, subject to credit approval	Same card	BILL Divvy Card, credit lines from $1,000 to $5M on approval
Accounting sync	QuickBooks Online, Xero	Adds NetSuite, Sage Intacct, Acumatica, Business Central	QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics, Acumatica
Bill pay	Included, with per-payment fees	Included, adds batch payments and release approvals	Not in Spend & Expense; BILL AP plans start at $49 per user a month
Rewards rate printed	No	No	Yes, 1x to 7x points by category and billing cycle
Travel booking	Flights, hotels, car rentals	Adds 24/7 phone support for bookings	Travel management listed as a product

The table answers most of the question. Ramp's free plan is the wider bundle, and Divvy's free plan is the wider set of ledgers. Everything below is about which of those two gaps costs your team more.

What a 25-person team pays for the software

The scenario is a company issuing cards to 25 people. Monthly figures multiply the printed per-user price by headcount; the annual Ramp figure applies the printed 20% discount. This is our arithmetic, not a vendor quote.

Ledger	Ramp	Divvy software	Difference over a year
QuickBooks Online or Xero	Free plan, no seat fee	No seat fee	None on software
NetSuite or Sage Intacct, monthly billing	Plus: $375 a month, $4,500 a year, plus the platform fee	No seat fee	At least $4,500 in Divvy's favor
NetSuite or Sage Intacct, annual billing	Plus: $300 a month, $3,600 a year, plus the platform fee	No seat fee	At least $3,600 in Divvy's favor

On a NetSuite ledger, the same 25 cardholders cost at least $3,600 a year more on Ramp than on Divvy. Every Ramp Plus figure is a floor, because Ramp's pricing page says Plus carries "a platform fee based on team size" and prints no amount, and its Plus billing policy page lists none either. Ramp does let you pay the Plus bill with card cashback, which softens the gap but does not close it.

On QuickBooks or Xero the software line is a tie at zero, and the decision moves to bill pay, card terms and rewards.

Who wins each question

Question	Winner	Why
Free plan on QuickBooks Online or Xero	Ramp	Cards, expenses, travel booking and bill pay all sit on the free plan
Free plan on NetSuite or Sage Intacct	Divvy	BILL lists those syncs for Spend & Expense with no seat fee; Ramp moves them to Plus
Paying vendors from the same tool	Ramp	Ramp Free pays bills by ACH, card, check and wire; Divvy needs a paid BILL AP plan for that
Knowing your rewards before you sign	Divvy	BILL prints its multiplier table and point values; Ramp's terms say Ramp sets the rate
Small or early credit lines	Divvy	BILL advertises lines from $1,000, with several underwriting methods
Card for a funded startup	Ramp	Limits are based on revenue or dollars raised, with no personal credit check or personal guarantee
Keeping rewards in a slow month	Ramp	Divvy forfeits a month's points if spend stays under 30% of the credit line
Cash management	Ramp	Ramp Checking earns 2% APY as of October 21, 2026, a variable rate, and waives most bill pay fees

Ramp takes five rows and Divvy three, but the count hides the weight. If your ledger is NetSuite, the second row outweighs the rest, because it is the only row with a recurring per-user bill attached.

How the rewards compare

Divvy is the only one of the two that prints an earn rate. Points depend on the transaction type and on how often you pay the card off, and the multiplier applies to the first $5,000 of a month's spend. After that, every eligible purchase earns the Everything Else rate.

Category	Weekly, daily or prepaid cycle	Semi-monthly cycle	Monthly cycle
Restaurants	7x	4x	2x
Hotels	5x	3x	2x
Recurring software subscriptions	2x	1.75x	1.5x
Everything else	1.5x	1x	1x

Source: BILL rewards page, read October 21, 2026. BILL values 100,000 points at $520 as cash back, $510 as gift cards or $490 as a statement credit.

Put numbers on it. A company spending $40,000 a month in the Everything Else bucket on a monthly cycle earns 480,000 points a year, worth $2,496 as cash back. Paying weekly lifts the multiplier to 1.5x, which comes to 720,000 points and $3,744 a year. In plain rates, that is about 0.52% back on a monthly cycle and 0.78% on a weekly one, our arithmetic from BILL's own table.

The rules around those points are where Divvy gets strict. Points earned in a month are forfeited if that month's spend stays below 30% of the credit line, so a $100,000 line needs at least $30,000 of spend each month to keep its points. New accounts cannot redeem anything during their first 12 months, and points are lost if you leave before that year ends. After that, the minimum redemption is 5,000 points.

Ramp gives a buyer less to work with. Its rewards terms, last updated September 22, 2026, say points accrue "at a rate and in an amount determined by Ramp", and neither the pricing page nor its cashback help article states a US earn rate. The terms also exclude foreign and non-USD transactions, as BILL excludes foreign transactions. Ask Ramp for the rate in writing before you compare it with the $2,496 figure above.

Card terms and credit

Ramp is a corporate charge card. Its card page lists a 30-day payback, no personal credit check and no personal guarantee, with the limit set on financial factors such as revenue or dollars raised. Ramp's help center says the full statement balance is due each period and Ramp charges no interest. That suits a startup with a funded bank balance and little operating history.

The BILL Divvy Card is underwritten more flexibly. BILL advertises credit lines from $1,000 to $5M and says the line and range are not guaranteed until approval. The billing cycle you choose (weekly, semi-monthly or monthly) changes both your cash flow and your points, so a company that can settle weekly gets the richest multipliers. A company that wants the longest float should price what the monthly cycle costs it in points.

Neither card suits a company that needs to carry a balance, since both are built to be paid in full and both reward steady volume more than long tenure.

Bill pay: where Ramp's free plan reaches further

Ramp Free includes accounts payable: invoice capture, configurable approval workflows and payment by ACH, card, check or wire. The bill pay fee schedule, effective June 1, 2026, charges $0.59 per standard ACH, $1.99 per standard check, $10 per same-day ACH, $15 per domestic wire and $20 per SWIFT USD wire. Paying from Ramp Checking waives all five; overnight check delivery at $20 and check attachments at $1 a page still apply.

Divvy has no bill pay of its own. A BILL customer who wants payables buys a BILL AP plan: Essentials at $49, Team at $65 or Corporate at $89 per user a month, with Enterprise on a quote. A standard ACH on BILL costs $0.59 too. Paying a vendor with the BILL Divvy Card as a virtual card is free, which is how many BILL customers earn points on supplier spend.

For a 3-person AP team on QuickBooks, BILL Team adds $195 a month, or $2,340 a year, to the Divvy setup. Ramp Free covers the same job with no seat fee. Toolradar keeps a Divvy vs Ramp comparison as well. The Ramp vs Bill.com comparison goes deeper on the payables side, and the Bill.com pricing breakdown lists every plan.

Weaknesses to weigh

Ramp:

• The Plus platform fee has no printed amount, so a NetSuite buyer cannot total the bill from public pages.
• No published US earn rate, which makes the rewards side impossible to compare before signing.
• Procurement is a paid add-on to Plus or Enterprise, also without a list price.

Divvy (BILL Spend & Expense):

• Payables live in another BILL product with its own per-user plans.
• The 30% monthly spend rule and the 12-month redemption lock can cost a seasonal business a full year of points.
• BILL's product page says pricing depends on business needs and the number of users, so confirm in writing that your plan stays free.

Which one to pick

Pick Ramp if the ledger is QuickBooks Online or Xero and you want one free tool for cards, expenses, travel and vendor payments. It is also the cleaner choice for a startup that wants a charge card with no personal guarantee and has cash on hand. The Ramp review covers the product in depth, and Ramp pricing explains each plan.

Pick Divvy if the ledger is NetSuite or Sage Intacct and you want card and expense software with no seat fee, or if you can pay weekly and want a printed points table. It also fits a smaller company whose first credit line will sit near the bottom of BILL's $1,000 to $5M range. The BILL review covers the rest of the BILL platform.

Look elsewhere if neither fits. The Ramp alternatives guide covers the wider field, Ramp vs Brex and the Brex review cover the other big startup card, and Ramp vs Expensify covers teams that mostly reimburse. If travel is the main spend, read Ramp vs Navan. For a full shortlist, start with the best corporate cards, the best spend management platforms or the best expense management software.

How we compared

We read Ramp's pricing page, rewards terms, corporate card page, bill pay fee schedule and Plus billing policy, and BILL's pricing page, Spend & Expense page, rewards page and business credit page, all on October 21, 2026. The 25-person table multiplies printed per-user prices by headcount and leaves out Ramp's unpublished platform fee. The rewards example uses BILL's printed multipliers and cash back value on $40,000 of monthly Everything Else spend. We did not use either product; every figure comes from the vendors' own pages.

FAQ

Ramp vs Divvy: which free corporate card platform is better in 2026?

Ramp is better for most QuickBooks Online and Xero companies, because its free plan adds bill pay and travel booking to cards and expenses. Divvy, now BILL Spend & Expense, is better on NetSuite or Sage Intacct, where its software has no seat fee while Ramp needs Plus at $15 per user a month plus a platform fee.

Is Divvy really free?

BILL lists Spend & Expense at $0 per user a month, with no subscription or per-user software fee, and says standard card and payment fees still apply. Its product page adds that pricing depends on business needs and the number of users. BILL's payables plans are separate and start at $49 per user a month.

What rewards does the BILL Divvy Card pay?

Points run from 1x to 7x depending on category and billing cycle, with 7x on restaurants for weekly payers. BILL values 100,000 points at $520 as cash back. Points cannot be redeemed in the first 12 months, and a month's points are forfeited if spend stays under 30% of the credit line.

What cashback does Ramp pay?

Ramp's US pricing page, rewards terms and cashback help article do not state an earn rate. The rewards terms say Ramp sets the rate and may change or end rewards at any time. Cashback can go toward the card balance or the Ramp Plus bill, so ask sales for the current rate in writing.

Does Ramp or Divvy work with NetSuite?

Both do, at very different prices. Ramp lists NetSuite and Sage Intacct only on Plus, which charges per user, discounts annual billing and adds a platform fee by team size. BILL lists NetSuite and Sage Intacct sync for Spend & Expense, which has no per-user fee. For 25 users on monthly billing, that gap is at least $4,500 a year, enough to decide the matchup for most NetSuite shops.

Which card is easier to qualify for?

They underwrite differently. Ramp sets limits on revenue or dollars raised and asks for no personal guarantee, which favors funded startups. BILL advertises Divvy credit lines from $1,000 to $5M with several underwriting methods, which can suit smaller or older businesses. Neither line is guaranteed before approval.

Cite this: CFOpresso, "Ramp vs Divvy 2026: Two $0 Corporate Card Platforms Compared", November 2026.

This page is general information, not personalized financial advice. Card limits, rewards, fees and eligibility are set by each provider and its issuing banks, so confirm the terms with Ramp or BILL before you apply.

Some offers on this page may be paid placements or contain affiliate links.