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Brex vs Divvy (BILL Spend and Expense): 2026 Comparison

Brex Divvy (BILL Spend and Expense)
Overview A financial platform for startups and growing companies offering corporate cards, expense management, and bill pay with no personal guarantee. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Freemium (Free-$12/user/month) Free (Free (revenue from interchange))
Key Features
  • Corporate cards
  • Expense management
  • Bill pay
  • Reimbursements
  • Travel
  • Budgets
  • Accounting integrations
  • Rewards
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • No personal guarantee
  • Real-time expense tracking
  • Good integrations
  • Travel features
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Requires business bank account
  • Limited to funded startups
  • Rewards have changed
  • Customer support varies
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Brex

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Divvy (BILL Spend and Expense)

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