Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
The divvy card is a great card for someone looking for a business credit card but doesn't have personal credit. Divvy will approve you in most cases based on info collected from your bank accounts (the process is seamless, they will automatically connect with your bank and extract the info they need). The Divvy card was designed from the ground up to work for business owners, including email customer service, advanced integrations with Quickbooks and other bookkeeping softwares, advanced employee card management, and many more business-oriented benefits. The card offers one of the highest rewards at restaurants and hotels so this makes it a great choice for a business swiping a lot at restaurants or hotels.
- They don't do a hard pull on your credit
- Divvy will report to the Small Business Financial Exchange to help you build business credit
- The Divvy card does not require a personal guarantee (PG)
- Payments are automatically drafted from your bank accounts each month (or week depending on your payment schedule)
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $1,000-$10,000
Avg. Credit limit$3,556
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
– 7 points at restaurants
– 5 points at hotels
– 2 points on subscriptions for recurring software
– 1.5 points on all other purchases
*Divvy gives you better rewards based on the frequency of your payments. The rewards listed are based on payments made on a weekly basis.
1.1% (at the end of the calendar year, you can request to have your foreign transaction fees for that year refunded)
Get various credits at many partners including $150 at Google ads, $50 off Costco membership, 20% off an annual subscription at MileIQ, and more