BILL Spend & Expense
Free corporate cards with budgets and AI expense capture
Score breakdown
What makes up this score
- 2 independent review sources
- 432 third-party reviews counted
- 1 answer engines measured
- cross-model consistency 1
- 6 web authority signals
- average citing-domain authority 35
- 100% of the category rubric covered
- No approved user reviews yet
Explanation
Why BILL Spend & Expense ranks #4
BILL Spend & Expense ranks #4 of 6 expense & cards with a TOP SCORE of 45.
The category leader scores 62, a gap of 17 points.
That is 3 points below the category average of 48.
Its strongest component is External Reputation at 80; its weakest is AI Authority at 18.
No usable evidence was found for TOP10 User Score, so that weight was redistributed across the components that are evidenced.
Generated from the recorded evidence behind this score, not from editorial opinion. How scoring works.
Score history
How the score has moved
56 → 45 ↓10.6
External reputation
What third-party sources publish
| Source | Published | Normalised | Reviews | Last checked | Method |
|---|---|---|---|---|---|
| G2 ↗ | 4.5/5 | 90 | not published | 31 Aug 2026 | permitted crawl |
| Capterra ↗ | 4.7/5 | 94 | 432 | 31 Aug 2026 | permitted crawl |
AI visibility
How answer engines treat this platform
| Engine | Mention | Recommendation | Citation | Avg position | Queries | Measured |
|---|---|---|---|---|---|---|
| claude sonnet 5 parametric | 17% | 0% | 0% | 7.0 | 12 | 31 Aug 2026 |
Web authority
Citations and independent coverage
- Capterra31 Aug 2026
- G231 Aug 2026
- Merchant Maverick31 Aug 2026
- Rho31 Aug 2026
- Apple App Store31 Aug 2026
- Trustpilot31 Aug 2026
TOP10 users
What our users report
No published reviews yet. Reviews are moderated before they appear and are never removed at a business's request.
Company information
The facts on file
- Description
- BILL Spend & Expense (formerly Divvy) pairs physical and virtual Visa Signature Business cards with budgets, spend controls, AI receipt capture and accounting sync at $0 per user per month. Spend & Expense services are provided by Divvy Pay LLC, with the card issued by one of its bank partners as a charge/credit product that must be paid in full each cycle. The review base is overwhelmingly US small and midsize businesses (65.4% small-business on G2).
- Category
- Expense & Cards
- Products
- BILL Spend & Expense (formerly Divvy), BILL Divvy Card (Visa Signature Business, physical and virtual), BILL AP & AR (separate paid subscription), Travel management (vendor describes new platform as still in development)
- Markets
- SMB, Mid-Market, Nonprofits, Construction, Retail/Ecommerce, Manufacturing, Software/Tech, Professional Services
- Countries
- United States
- Integrations
- NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, Xero, Slack, HRIS systems, API and developer resources
- Pricing
- $0 per user/month (Spend & Expense) · free tier: Spend & Expense plan is $0 per user/month including unlimited physical and virtual cards, budgets, AI receipt capture, reimbursements, mobile app, integrations, rewards and API access pricing page ↗
- Regulatory
- Spend & Expense services are provided by Divvy Pay LLC (AP/AR by Bill.com LLC), with separate Terms of Service. The BILL Divvy Card is issued by one of Divvy Pay LLC's bank partners and BILL explicitly states it "is not a deposit product" — so customer funds are not held in a safeguarded or insured account under this product. Card network is Visa Signature Business. BILL publishes a licences/authorisations page and the parent company is publicly listed, but no specific licence numbers were verified in this session, and all evidence describes a US-only card program.
- Official website
- https://www.bill.com/product/spend-and-expense ↗
- Last verified
- 31 Aug 2026
Compare
Head to head
Category context
- This platform45
- Category leader62
- Category average48
Is this your platform?
Claim the profile to correct factual company data and respond to reviews. Claiming does not change your TOP SCORE or your ranking.
Claim this profile