Divvy Reviews

My experience was all good and valuable, educated.
Helped me in the process for building credit relationship with my small business.

Valuable product that helps build business credit!
Offers many good benefits and services that will help establish credit.

You have to meet certain requirements to qualify.

Divvy's interface is very easy to use. It saves a ton of paperwork when it comes to credit card expense reports. You can easily customize Divvy to your specific needs. Easily integration with accounting systems. Best of all, it's free to use.

Easy Interface.
Free to use.
Great for automating tasks.
Very easy and efficient for accounting purposes.

I can't think of any Cons to talk about. I haven't had any bad experience with Divvy so far.

The best platform I've seen in this space and it's what finally got us to issue cards to employees and feel good about it.

One platform with a great interface and tons of controls for managing how much and where all our employees and even contractors and volunteers can spend money w/o annoying reimbursement forms.

All that customizability means we need to manage the platform, but it's worth doing.

Divvy has made our accounting more efficient and a faster month close. The software comes out with improvements every month. The synch with QBO works perfectly and saves tremendous amount of bookkeeping time.

Ease for employees to submit credit card transactions.
Good App.
Ability to reimburse employees for no credit card charges.

Ability to freeze cards automatically for employees that do not submit receipts each week.

Overall I would recommend Divvy to anyone looking for a simple, free, expense management platform for their organization.

This platform is very easy to like! It is free, it provides cash back for purchases, and allows for unlimited card issuance.

The system can be a bit buggy from time to time, especially the desktop version.

I recommend the card to anyone with a business. Track your expenses. Earn your rewards and enjoy.
Your card is sleek and is chip enabled. Apple and google play capabilities are a plus.
Looking forward to the continued partnership.

The application and setup is very straightforward. Clean app. Along with helpful tools all around. Very pleased to pick this card up for the business. Should make tax season a breeze.

I don’t like that I had to hunt for the rewards categories. Please add that to the app so it’s visible what your are earning based on your payment cycles.

I really like divvy. It is a great program...and the best part is it is FREE. I would recommend it to a friend. I've used other programs (Concur) and I get frustrated with it. With Divvy, everything works much better.

I really like how easy it is for my employees to manage their expenses. I like that it makes it easy to budget and track all expenses. They have great customer service. They even gave me a nice statement credit at the end of the year. They took a lot of time to help me implement the program and made sure I really understood how to use the program.

The integration with Quickbooks is a little messy, but it syncs over just fine. I guess the biggest thing is There are a lot of steps to get the integration with QuickBooks setup.

This is exactly what I needed to manage my small company, an easy way to track and be responsible of the spending of my employees.

I run a small toy company and this helps me manage my employees. I can give my employees virtual cards to spend company money with a budget. I like to keep track and be accountable for our purchases and daily business operations.

They request and require confidential documents but it's worth it for safety reasons.

Overall, it is a satisfactory solution to one of my problems of needing to routinely perform large vendor transactions. There's plenty of features that seem beneficial to a bigger company but aren't relevant to my business. I'm disappointed that I was sold on "building credit", which hasn't happened.

I like this card because I routinely make purchases that would be considered too large for my bank's daily transaction limit. I can use Divvy to do business with my vendors without wiring money. I am a very small business, so some of the features of team expenses isn't pertinent to me, but it seems like it would be a great feature to grow into.

One thing I am disappointed in is the false promise of building credit. My company is young, so I am trying to build corporate credit. Divvy's credit builder (prepaid card) was sold under the pretense that in 6 months, they'd evaluate your history with them and open up a monthly line of credit upon approval. I've now been with Divvy for 9 months and have made $80k in transactions, but was denied any credit upon my request for an account review. As this was the main reason I signed up, I'm pretty disappointed.

The budgeting aspect of the platform, while helpful, was also unclear and hard to figure out how to work with. I wasn't aware that I had to set certain parameters to my budgets and assign them properly to each virtual card, so for a while I was attempting transactions with vendors that kept getting denied.

Also, I am tired of the trend of chat-style customer service. It takes forever to solve a problem when you have to wait 5-10 min in between every chat exchange. I just don't have time to sit staring at the chat box waiting for someone to respond. It also is taxing trying to explain a technical problem via text and realizing 30 min through a chat that you haven't been able to successfully communicate the issue. I wish companies would allow you to at least sit on hold for a while if you desire the option to speak with a live person.

Lastly, they advertise great rewards, but the fine print is you can't access these until an entire year into your history with them.

Very positive and great platform to manage budget and create virtual cards for usage. They can improve bulk actions so you can more quickly update historical data or structure it going forward.

Their process to sign up is quick and easy. They also allow you to create a variety of virtual cards to manage spend correctly.

Overall not a lot of negatives. They could have an easier to use interface. In addition, it would be helpful if they allowed you to bulk flag historical transactions versus manually.

It is great for small business. Customer service has been great at answering questions and also providing extra information where they can be helpful.

This card has been easy to use. I really like the ability to create different cards and budgets for vendors as it creates better organization. The app is great and has the same functionality as going on the website.

I don’t currently have any. I feel everything has been straightforward.

If you have a business and want it to grow there’s no question not to use Divvy, it costs you nothing!

I love the credit builder account as it’s a charge card that reports to Dun and Bradstreet, it’s protective of my accounts with larger funds so I only put the amount on the card I need and I get points plus it organizes my expenses into a budgets along with connecting to my QuickBooks account!

I thought I couldn’t connect it to QuickBooks but this issue has been resolved!

Like it, will be my only card soon.

Easy to apply.
Weekly payments.
Budget Breakdown.

Credit reporting is slow.

Highly recommend. take full advantage of all the training you can get on using the system and accessing/understanding all the settings.

It's been so beneficial to have budget limits that our spenders can easily view and track to prevent overspending.
- Syncing with quickbooks and pre-categorizing transactions has saved us HOURS.
- Setting up virtual cards with a limit for each vendor has helped us prevent overcharging from billing errors before they happen.
- the amount of settings, customizations, rules, etc you can set up are so helpful in lowering the amount of time spent on expense accounting

- Customer service is good, when they get to you. But the times I have needed help, and using the chat feature, it was 20min or more before getting a response.
- Because there is so much ability to customize, finding where to manage all the different settings can feel like an Easter egg hunt.

My experience with Divvy has been wonderful. We applied and were approved within 24 hours. We have been in business for 2 years and we were apprehensive to get a business credit card. We love how they did not run our credit, but everything was surrounded around the business. We are so grateful to Divvy to giving us an opportunity to grow and benefit the business. Who doesn't love to earn rewards all while doing so! There are a few options to earn rewards based on how YOU would like to get billed. We were already spending all this money on our debit cards, but Divvy allowed us to begin building our credit as well as give us more control of our finances. There is no contract, there are not any set up fees. This credit card is a game changer and I recommend to every business especially new and growing businesses!

The application is very quick and easy to fill out
The user interface is extremely easy to use and understand
The mobile app is very convenient and easy to use as well.
The support specialists are very quick with their response and very personable.

I do not have any complaints; I cannot express how great this card is!

Customer Service is great. The platform is constantly being updated to better service their clients and make the experience both more efficient but customizable to one’s needs and they provide some great benefits for using the Credit Card over alternatives.

I love the fact that Divvy has No Personal Guarantee.

Has a well established client base of small businesses such as my own and has provided us with a well established credit limit that has allowed us to use the funds as a back up in cases of emergency.

Nothing, thus far, in all honesty. I have heard some reviews mentioning software glitches, however, in my opinion that is to be expected and I appreciate that they are constantly working to improve their platform, from website to their new mobile application.

Having Divvy has changed the way we pay vendors. I don't know what we were doing prior to finding Divvy.

I really like the virtual cards, it has really improved how our company pays our vendors. It is easy to have a separate card per vendor. If any thing happens to once card we can cancel it and reissue a replacement in mere minutes. No more waiting days for the new card.

I would like more reporting options. And as an administrator a little more visibility in the cards of my employees. If a reoccurring payment has been set up and there is an issue - I can not see the full card number to be able to help.

One of the best credit cards and funding for your business wether you’re new or have been in business.

Ability to build business credit.
Dashboard informations and now with the QuickBooks integration things are even smoother. Virtual cards for employees.

Haven’t found any cons yet. I’m still exploring the card.

All in all, Divvy is the best. She's the kind of card you can take home to your mom but she still knows how to service you just as well as those other cards you wouldn't dream about taking home to your mom. 5 out of 5 stars every time!

She's so easy to use! It's just like BAM here is my Divvy card! And they are like gee thanks mister and put out all of the products I need to purchase for my boss.

Sometimes she's so easy, it gets boring. A man needs a little a challenge and chase in his life sometimes, you know? I'm not saying I want to get rejected when I shove it in, but it would be nice if sometimes said it couldn't read the chip or something just for the sake of having something different. Does that make sense?

Love it. Parker is on it! He's been wonderful to work and train with. We have set up an additional business with Divvy because it's so awesome.

The platform is simple and allows us to move through the month end financials much faster. The support we get is fast and helpful.

Reimbursements take to long to hit our employees accounts.