# BILL Spend & Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is BILL Spend & Expense the right Spend Management solution for you? Explore 432 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/166905/Divvy/reviews --- BILL Spend & Expense 4.7 (432) [View alternatives](https://www.capterra.com/p/166905/Divvy/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of BILL Spend & Expense Ease of use 4.6 Customer Service 4.6 ## Pros and Cons in Reviews LT Luka T Payroll managerAccounting, 11 - 50 employeesUsed the software for: Less than 6 months. “I’ve been using Bill Spend & Expense for managing company spending, and it has completely streamlined the way we handle expenses.“ October 1, 2025 CS Carmel S MediaMarketing and Advertising, Self-employedUsed the software for: 6-12 months. “so it makes it impossible not to add them to my subscriptions and as a freelancer I do not have the ability to tolerate subscriptions that provide 0 value.“ July 5, 2025 BM Bradyn M CEOInformation Technology and Services, 11 - 50 employeesUsed the software for: Less than 6 months. “It can allow you to have a "line of credit" for the month to ease cash management.“ April 10, 2025 BM Bradyn M CEOInformation Technology and Services, 11 - 50 employeesUsed the software for: Less than 6 months. “So in summary - by unclear information and a weird type of LOC - for $38 you can quickly have $20K removed from your bank account to prepay a LOC that the vendor doesn't want and cannot use.“ April 10, 2025 EG Emma G Head of ImplementationComputer Software, 11 - 50 employeesUsed the software for: More than 2 years. “It’s clear that BILL understands how frustrating expense tracking can be, and they’ve streamlined the experience in a way that feels thoughtful and efficient.“ April 10, 2025 Suehyun C accounting supportAccounting, 11 - 50 employeesUsed the software for: 6-12 months. “There was no way for us as an end user to seethis, and none of the support people were able to see this because -- the BILL Spend & Expense side cannot see the BILL Payables & Receivables side.“ September 16, 2025 Suehyun C accounting supportAccounting, 11 - 50 employeesUsed the software for: 6-12 months. “Uploading and managing receipts is easy; issuing cards and creating "virtual cards" are all wonderful.“ September 16, 2025 BM Bradyn M CEOInformation Technology and Services, 11 - 50 employeesUsed the software for: Less than 6 months. “It draws the cash from my bank account like an ACH transaction (so I assumed it was going to work, but like Bill always does, I had to wait multiple days).“ April 10, 2025 ## Showing most helpful reviews Showing 1-25 of 432 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Maddie T. System Administrator Information Technology and Services Used the software for: 2+ years ### "I appreciate how simple it is to keep track of invoices and receipts" May 10, 2022 4.0 Divvy is a unique tool that provides an all-in-one solution for your needs. In addition to issuing the card, they also handle all of the associated expenses. All of our expenses are now coded in Accounting so that our field workers can simply submit receipts and a business reason and move on. Pros Because it is so user-friendly, this program has completely changed the way we track our expenditures and enter our data. Because each employee may now input their receipts, it has saved our accounting department many hours of labor each month. Divvy is a fantastic service. It's simple to pick up. I was worried I'd be disoriented, but a quick scan of the area turns up everything I need. Cons ACH transactions are taking too long to process. We'd want to be able to send PayPal monies straight to Divvy for payments. It is not possible to map QBO tags for transactional line items at this time. Improvements are constantly needed, just as with any other piece of software. Divvy is always striving to improve the procedure. Switched from [Gorilla Expense](https://www.capterra.com/p/140010/Gorilla-Expense/)[Veryfi](https://www.capterra.com/p/180429/Veryfi/) You can see that Divvy cares a lot about making the service better and better. A few weeks after I mentioned an issue we were having, he was talking to a development team about how to resolve it. For this reason I could be inclined to choose it. Review Source LT Leah T. Research associate Information Technology and Services Used the software for: Less than 6 months ### "Use bill for your employees " July 3, 2025 5.0 Overall it is an easy and quick way for my company to send money to me to complete my work. I would recommend for other companies to use bill. Pros It was a quick and easy process to start up. My job can load money and I can use the card the same day. Cons I do not have anything bad or negative to say about the setup or use of the app and or card. Nothing I liked least. Switched from [DivvyHQ](https://www.capterra.com/p/140459/DivvyHQ/) It was My company, they decided to switch companies. Review Source ES Erin S. Accountant Non-Profit Organization Management Used the software for: Less than 6 months ### "Buyer Beware!!!" February 23, 2024 1.0 So fare it has been so bad, that we are considering going back to paper reimbursement forms and paying our employees on the payables side. At least they would receive their money sooner! Pros I liked the idea of using the app and making expense re-imbursements easier for the employees. Cons Unfortunately, the execution has been a nightmare! People cannot log in, the managers cannot see the details of what the expense is for. Employees have to wait over 2 weeks to get their money. There are not enough approval levels for our company policies. And don't even get me started on the customer service! Half the time they cannot even understand English. Even if they understand what you are saying, they have no idea how to fix it! Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing BILL Spend & Expense We were already buying bill.com for AP. The payables side has been great. My only complaint about that is that there is no customer service number. You have to wait for them to call you back at their convenience like I have time to sit around waiting for a phone call. They usually call when I am in another meeting so it takes hours to get simple questions answered. Review Source Response from BILL February 27, 2024 Thank you for providing feedback, Erin. We appreciate knowing that you were wanting an app that makes re-imbursements easier for employees. We are sorry to hear about your frustrations with them not being able to login, waiting to be paid, lack of approval levels and the concerns you had with reaching customer service. You can contact us at 1(435)731-5078 between Monday-Friday 7am MST-5pm MST for assistance at any time. KT Krystal T. Software Solutions Assoc Accounting Used the software for: 1-2 years ### "BSE is up to great things!" November 21, 2023 4.0 I think BSE is a great efficiency tool. Coupled with it's low price of FREE-99, it offers great control over expenses in a real time capacity. Pros I love the transparency and opportunity to have a real time look into your company's spending and the ability to code and sync directly into QuickBooks. Cons The least robust features are reimbursements and account mappings. It is frustrating to take many steps to unmap and map custom fields. Make it in the same place at least. Alternatives considered [Workplace from Meta](https://www.capterra.com/p/168669/Workplace/)[Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Expense Professional](https://www.capterra.com/p/99984/Certify-Travel-Expense-Management/) Reason for choosing BILL Spend & Expense Price, demo was convincing and ease of use. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) It was expensive & over complicated to manage. Review Source Response from BILL November 28, 2023 Thank you Krystal for your feedback on BILL Spend & Expense. We are glad to hear that you enjoy having the ability to see real time spending and that the software syncs directly with QuickBooks. We apologize for any frustrations caused when doing reimbursements and account mapping. We will pass on your suggestion to have these two things in the same place to cut down on the steps you take to our development team. We are always looking for ways to improve the software for our users. If you have any other questions or concerns, please reach us directly at 1(855)229-3111. KD Kristine D. Controller Hospital & Health Care Used the software for: Less than 6 months ### "Expense and Reimbursement Management for next to nothing" December 16, 2022 5.0 Overall, implementing Divvy has ben a huge win for my organization. It's streamlined our expense reporting process, keeps all expense records within a single system and costs us nothing. We've used other paid platforms in the past, and Divvy's solution is far superior. Pros We rolled out Divvy in June of 2022. Every employee has a Divvy account for reimbursements; about 20% of our employees also have corporate credit cards. This is what works:- Easy to set up custom fields to correspond to our accounting system for expense coding and tracking- Budgets set up by functional team so managers are approving their direct reports transactions- Easy to adjust teams/budgets on the fly- App always works and employees can code charges and upload receipts seconds after a charge is made- Easy to administer; add employees, cancel cards or charges, delete employees, adjust budgets, add accounts. The system is simple to navigate and intuitive. Cons Some drawbacks to Divvy - - No notification alerting you that a budget is getting close to its monthly spend limit- Employees need lots of education on how budgets work; they need to request funds BEFORE spending- Reimbursement tab needs to be more obvious. Managers don't check and can have employee requests languishing there for weeks- Reimbursements don't hit employee accounts for days after the funds have already been withdrawn from the company account Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) Expensify was expensive, not user friendly and had frequent issues with syncing correctly. Charges would take days or weeks to appear. Employee receipts would disappear. There was no way to easily track or make out of pocket reimbursements. Review Source AM Aaron M. Discipleship Pastor Religious Institutions Used the software for: 6-12 months ### "Great Credit Card and Expense Tracking Software" December 15, 2022 5.0 I have loved Divvy! I highly recommend it. We are much more streamlined and misplace way few receipts. Pros I love that we now have credit cards instead of a bunch of debit cards. I like the app a lot. My employees and I get a notification immediately on our phone to upload receipts, categorize the expense, and write any notes. I also love that I have control over how much money each of my employees have access to. I can easily take away and add more. Cons I have had a few cons. 1) I am supposed to get a reminder email every Monday morning with a "to-do" list. I have gotten it about 50% of the time due to bugs in the system. The same goes for my employees. 2) I would love to not be able to approve my own transactions. 3) On the transactions page, place where you add filters seems not as well organized as I would like. I would love to be able to personally edit the order of the filters. I am constantly scrolling to the bottom. Switched from [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) We got a new bookkeeping company. Zoho helped us improve a ton. Divvy helped us improve a lot more now that our credit cards and expense reporting are all under the same roof. Review Source Kelsi N. Accounting Project Manager Veterinary Used the software for: 6-12 months ### "Divvy is the BEST" February 25, 2022 5.0 Amazing. I truly enjoyed working with our Implementation Manager and felt like they worked with us as a partner, not a client. They were willing to work with us on all of our many asks. Pros Divvy is a very innovative product that allows for you to have an all in one product. They not only issue the card, but they provide the expense management. With their help, we have been able to bring all expense coding inside Accounting to allow for our teammates in the field to just submit a receipt and a business purpose and move on. Cons The reimbursement and reporting side could use some work. Divvy does not charge for reimbursements and does not make money for that part of the product, so I understand that it is not their priority, however to make a better product they would puts some resources there. Alternatives considered [Spendesk](https://www.capterra.com/p/157515/Spendesk/)[Expensify](https://www.capterra.com/p/97594/Expensify/) Reason for choosing BILL Spend & Expense Divvy had the best platform and price Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) We wanted to streamline our process and find a better product for our teammates. Review Source VR Verified Reviewer Financial Analyst Hospital & Health Care Used the software for: Less than 6 months ### "We love Divvy!" December 15, 2022 5.0 Divvy has been great and everyone we have come in contact with has been very helpful. I have even been able to text the guy who helped us set everything up with any questions that have come up. Customer service has been excellent! Pros I love how seamlessly it syncs with QB online. Every employee loves the app, also! Cons There have been issues with employees receiving the verification emails due to the email our company uses, but we have worked out the kinks. Alternatives considered [Mesh Payments](https://www.capterra.com/p/218926/Mesh-Payments/) Reason for choosing BILL Spend & Expense Divvy had better features that our company would use. Switched from [Bento for Business](https://www.capterra.com/p/144213/Bento-for-Business/) Bento charges a monthly fee and give no rewards for spending. Bento also refused to pay us back for a fraud charge. Review Source Brett W. Director of Finance Hospitality Used the software for: 6-12 months ### "Great Company Spend & Budgeting Tool" October 24, 2019 5.0 We wanted a solution for our different departments to have control over their spend while making sure we still had firm controls and oversight in place. Divvy met all those requirements for free. Pros Divvy has a great budgeting tool that allows you to easily segment departments so that they are in control of their own spend. Their app is easy to use to keep track of reciepts and ensure your team is in compliance. Best of all everything is free. Cons Getting set up and a credit line is a bit cumbersome as I have seen other companies have a much easier onboarding and offer higher levels of credit. Reason for choosing BILL Spend & Expense Divvy had an overarching platform that allowed us insight into every user's actions. Switched from [Teampay](https://www.capterra.com/p/176776/TeamPay/) Teampay did not offer any credit and actually had a decent charge for their service. Budgeting was limited as well by vendor. Review Source EG Emma G. Head of Implementation Computer Software Used the software for: 2+ years ### "BILL - The easiest and simplest Spend & Expense tool for SMB" April 10, 2025 5.0 Let’s be honest—chasing down receipts is one of the most tedious parts of expense management. The fact that we still struggle to get people to submit them shows just how mundane and annoying this task can be for companies. That said, BILL has made this process about as simple and painless as it can be. The reminders are helpful without being overbearing. It’s clear that BILL understands how frustrating expense tracking can be, and they’ve streamlined the experience in a way that feels thoughtful and efficient. No system can completely eliminate human forgetfulness, but BILL definitely reduces the friction. Pros I love that as soon as I make a transaction, I get a notification. I open up the app, take a picture right then and there, perform a few other clicks, and then I'm done with it. It is so easy to use. Cons I don't completely understand the use of the virtual cards. Review Source Response from BILL April 10, 2025 Emma, we appreciate your amazing review of BILL Spend & Expense! We are thrilled that you love our notification process and the speed with which you can get things done with our app. We apologize for any difficulty you are having understanding the use of virtual cards. Here is a document - https://help.bill.com/direct/s/article/2826509- that goes over them. We hope this helps. We always want to hear what works and will improve your experience. LT Luka T. Payroll manager Accounting Used the software for: Less than 6 months ### "Great tool" October 1, 2025 5.0 Using Bill Spend & Expense has been a game changer for our company. The platform is intuitive, helps us stay on top of real-time spending, and makes reporting effortless. Pros I’ve been using Bill Spend & Expense for managing company spending, and it has completely streamlined the way we handle expenses. Cons As a new user I need some time to get used to it also certain reports or approval workflows may feel less flexible Review Source Response from BILL October 16, 2025 Luka, we want to express our gratitude for your amazing review of BILL Spend & Expense! We're so excited that our software has completely streamlined your organization's expense management, making it easy to manage your company's spending. We understand that a certain amount of time is needed to get used to the service, and that certain reports or approval workflows may feel less flexible. We appreciate that feedback and encourage you to share any other thoughts you may have, as we are always working hard to improve our software. AH Amy H. Owner Consumer Services Used the software for: Less than 6 months ### "Use Bill for All Your Bills " October 7, 2024 5.0 Overall I think the app is great. It's simple and it sends reminders to your email which comes in handy. Pros The app is easy to use and it automatically categorizes expenses. Cons Customer service is not the greatest. That is really my only issue. Review Source Response from BILL October 18, 2024 Amy, thank you for reaching out with your valuable feedback on BILL Spend & Expense! We love that you find our app easy to use and that it automatically categorizes expenses for you. We apologize for any difficulty you have had when contacting our support team and have passed that on to our team. We always want to hear what works and what will make your experience better. CF Carmaria F. Owner Management Consulting Used the software for: 6-12 months ### "Bill me!!!" June 11, 2024 5.0 Pros Everything, especially the ease of use..and the ease in inviting your team to payroll. Cons Nothing, everything was good...wish I knew about this product before now Review Source Response from BILL June 12, 2024 Thank you for your amazing review, Carmaria! We are delighted that you are enjoying the ease of use and ease of inviting your team to payroll with BILL Spend & Expense. Please continue to provide feedback as we are always working hard to improve our software. DB Donna B. Chief Financial Officer Individual & Family Services Used the software for: 2+ years ### "Divvy is a great product to use to implement a paperless A/P process" July 22, 2021 5.0 Divvy has increased our cash back on our credit card transactions and has allowed us to transition to a paperless A/P system. We use their bill pay service and upload all of our invoices to their system and we don't have to pay anything to use Divvy. Pros The ease of querying past credit card transactions and invoices is impressive. The ability to save invoices and mark how they were paid is crucial to being paperless and works great in Divvy. Cons I haven't found a good way of showing that budget owners have approved expenses. Reason for choosing BILL Spend & Expense We switched from using other credit cards to using Divvy cards as much as possible. We weren't using a different product to capture invoices. We started that because Divvy allowed us to. Review Source CT Casey T. IT Consultant Information Technology and Services Used the software for: 1-2 years ### "Divvy Cannot Be Beat for Small to Mid-sized Businesses" December 15, 2022 5.0 Divvy's support is amazing. They chat back extremely quickly and are so polite and professional. Their product is unmatched. I've tried tons of different business cards and none of them had the features that Divvy does. Pros I really like how easy to use the web app and mobile app are and how quickly I can create a new budget with a set amount of funds, as well as a new card (either virtual or physical). The software and hardware cohesion is unmatched and I love how easy it is. The best part is that once I set it up, I don't have to mess with it very often. I just know that they'll keep all my budgets and funds the way I set it up. Cons I wish there was a feature to automatically categorize (for my taxes) based on merchant. Right now, you can set up automatic categorization based on budgets, but sometimes I'll use one budget for multiple vendors. Other than that, I really have no complaints. Reason for choosing BILL Spend & Expense Brex had a very high requirement for bank balance. I can't remember how much, but it was around $1 million. As a startup company, that just wasn't in the cards. Divvy was much more practical. Review Source LH Lindsey H. Owner Marketing and Advertising Used the software for: 6-12 months ### "Should still be in Beta - has a long ways to go..." January 22, 2020 2.0 I have always been a pretty early adopter for new platforms and I have to say, DivvyPay should still be in Beta Mode. Divvy - you could be great. Really really great. But you have a long ways to go. I’m rooting for you, but looking for other options in the meantime. Stop spending advertising dollars and fix your issues. Pros \- The virtual cards are BRILLIANT (1 of only 2 reasons I stay) - The ease of classifications of transactions and how customizable they are, this a great thing for my accounting team! (2 of only 2 reasons I stay) - The cards look nice - Their customer service is responsive (They will not call you unless you are a new customer trying to get an account so do know that. There is no phone support after being a customer.) Cons \- The app is getting better, but still has very very limited features. - The bill pay feature; run as fast as you can from this. I have a vendor that still has not been paid and I approved and funded the transaction over a month ago. Divvy has made this a manual process and they actually call ever vendor you add into the platform. They can’t call me for support - but sure will call my vendors. Every vendor I have tried this with has complained about how rude the people are who call and the turn around time is horrific. Stop calling my vendors - learn to do this via email or text like every other institute. - Changing of banks - don’t do it. I am 5 days into this process with this very small task and it is still not complete. Again all manual. You call and request them to change your bank, they email you a form to fill out. Then you wait until they decide to email you a sign now document to fill out. Then you wait again. I have no idea what I am waiting for at this point. No follow up and nothing proactive unless you complain. Archaic. I have switched over every other service in a few clicks of a button - why can’t you all figure it out? - Rewards - forget them. You can’t use them until you have been with the platform for a year. (No one tells you this when you sign up) and their prices are always more expensive then a simple google search. Plus they charge you a service fee every time you use the points on travel. Review Source BM Becky M. VP of Finance Research Used the software for: 6-12 months ### "Great for small business" July 7, 2021 4.0 Overall, Divvy is very helpful. Their customer service reps are always very pleasant. My complaints are about the way the website and app function. Pros Divvy is great for tracking expenses and allows for employees to have their own card for purchases. Cons The worst part of Divvy is the approval process. It's not user friendly and doesn't make much sense. It can be a nightmare for companies that are audited. Review Source PE Preston E. CFO Marketing and Advertising Used the software for: 2+ years ### "Divvy - Best There Ever Was" December 5, 2022 5.0 Pros Divvy is an incredibly useful platform that makes managing your company spend an absolute breeze. It is so easy to use too! Everyone in our company uses Divvy, and it requires very minimal training. You have tons of capabilities as an administrator to put controls in place and to monitor all of your company's spending habits at a glance. The reporting and filter options are fantastic! Don't know where we'd be without Divvy! Cons There truly is not that much to dislike about Divvy; however, if I did have to say one thing, it would be that I've encountered (a handful of times) moments where the mobile app or browser app has been unresponsive or hasn't been performing as you would expect it to. Divvy is constantly working on its apps, though, so this never stays around for long. Review Source VR Verified Reviewer Partner /CPA Accounting Used the software for: Less than 6 months ### "Divvy is very intriguing for us going forward" August 5, 2021 5.0 So far so good! I'm very intrigued to see if it replaces all our other tools quickly for clients. Pros Price is FREE for use, the card allows you to have control over spend much more than normal credit cards, you can extend credit to users on demand with a good approval workflow on the app/computer. Cons A bit overwhelming at first to setup but just need to get a handle on it. The users don't need to use that ability anyway. But the users do have control to request credit/use of card and that is great but also can be more tedious than just walking in and swiping. Alternatives considered [Emburse Spend](https://www.capterra.com/p/248242/Emburse-Spend/)[Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Expense Professional](https://www.capterra.com/p/99984/Certify-Travel-Expense-Management/)[Emburse Nexonia](https://www.capterra.com/p/99986/Nexonia-Expense-Reports/)[Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) Reason for choosing BILL Spend & Expense spend controls Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Nexonia](https://www.capterra.com/p/99986/Nexonia-Expense-Reports/) Pricing & control of spend Review Source VR Verified Reviewer Executive Escalations Analyst Financial Services Used the software for: 1-2 years ### "So easy to organize " June 21, 2023 4.0 Pros Very aesthetically pleasing, very user-friendly. I’ve helped implement Divvy within small companies of young people and large corporations with people significantly older; easy to use, easy to put together. Cons If you miss a payment…you’re on a rough road to get deactivated Reason for choosing BILL Spend & Expense Divvy is free, user friendly, and has excellent support! Review Source SD Sarah D. CFO Construction Used the software for: Less than 6 months ### "Divvy Is Awesome" February 24, 2022 5.0 Our employees who use credit cards a lot are raving about Divvy. They no longer have to complete paperwork for their credit card transactions. They love the ease of recording their expenses. We were leery of implementing Divvy as a result of a terrible experience with another credit card software we attempted to integrate in the past. However, from beginning to end our experience with Divvy has been fantastic! Pros The software is very user-friendly; even those who are not very tech-savvy have had minimal challenges adapting to the Divvy method of reporting their expense transactions. Divvy also seamlessly integrates with QuickBooks and provides details of the transactions that we do not have to enter manually. Cons We have not encountered any significant cons with the Divvy software. There are a few "buggy" things that could be tweaked but our awesome and amazing implementation specialist, Aubree Matheson, forwarded our concerns to the department that updates the software and we are hopeful our suggestions will be part of a future upgrade. For now, we are easily working around the things that would be "nice" to have changed. Review Source CN Cameron N. Founder/CEO Design Used the software for: 6-12 months ### "A must have for solo/micro businesses " December 15, 2022 5.0 Divvy makes it very easy as a micro company (2-10 employees) to track, organize, and report on internal operational expenses and make better budget and expense cut decisions. A must have for solo/micro businesses!! Pros Easy to use, helps us non-finanationally minded businesses owners, helps me cut expenses easier to save more Cons Expense categories cannot be edited/customized so a lot of our stuffvis marked as "Other" which doesn't help. Needs to integrate with Zapier so us micro businesses can connect to our systems- not everyone likes QuickBooks and other options are overpriced/enterprise systems. Review Source JD Jonathan D. Producer Marketing and Advertising Used the software for: 1-2 years ### "Divvy is an excellent overall package!" December 15, 2022 4.0 It's great to have a business line of credit available; really helped with my cashflow and having a card to give to others over which I have such a large amount of control is fantastic. Pros I really like being able to upload receipts via the phone and being able to forward on email receipts because it helps me not forget! Cons Some of the internal menus and the incentive interface are sluggish and unhelpful. Having a year lag on rewards is also poor. Finally, I would appreciate more accountability on how credit decisions are reached. Particularly after ledgers and statement of accounts have been given. Alternatives considered [Ramp](https://www.capterra.com/p/207081/Ramp/) Reason for choosing BILL Spend & Expense Divvy was more welcoming and user friendly. Review Source KH Kolin H. Owner E-Learning Used the software for: 2+ years ### "Great for a small business" June 26, 2023 5.0 Overall, it's good. They send helpful information via email from time to time. Outside of that, they are there to help if I need them and they leave me alone otherwise. Pros I like that there is an app, that I can attach receipts, that I can see what I've spent, that I can refer back to spending easily, and that I can pull my bills for review. Cons I didn't know that your points that you earn are lost at a point in time if you don't use your card as often. I lost all of my points without notice. Review Source VR Verified Reviewer CFO Real Estate Used the software for: 2+ years ### "Divvy helps control costs" December 5, 2022 5.0 Great. Highly recommend. Support is awesome. People you can speak to that solve problems. Pros The budget features that control spending Cons The low credit limits and the fact that you don't get a 30 day float/delay in spending until payment is due like you would with some cards Review Source Similar Products Featured