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Divvy Business Credit Card

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welcome offer

Earn $500 after spending $500 within the first 45 days.

Bonus Value

Approximately $500

Annual Fee

$0

Card Rewards

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.

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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.

Card Overview

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.

Card-Smart Tips & Advice
  • 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)

82% Approved
700 Avg. Score of those approved
18% Denied
Approved 82% (9)
Denied 18% (2)

Credit limit range $1,000-$10,000

Avg. Credit limit$3,556

Approved 82% (9)
Denied 18% (2)

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.

Card Details And Benefits
Rewards

– 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.

Foreign Transaction Fee

1.1% (at the end of the calendar year, you can request to have your foreign transaction fees for that year refunded)

Credits

Get various credits at many partners including $150 at Google ads, $50 off Costco membership, 20% off an annual subscription at MileIQ, and more

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
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.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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