BILL Divvy
BILL Divvy is a business charge card + expense management (BILL spend & expense) issued on Mastercard, rated 7.9/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
BILL Divvy is the strongest fit for ad spend and streaming, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | BILL Divvy · Business charge card + expense management (BILL Spend & Expense) |
| Official site | https://www.bill.com/divvy |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 7.9/10 (4.0★, 685 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free ($0 per-card fee) |
| Monthly / annual fee | $0 (no monthly fee) |
| FX / conversion fee | No published FTF; up to ~1.6% per Cardholder Agreement (WebBank) |
Verification and risk
| KYC required | Yes (credit approval/underwriting; KYC for authorized signers) |
| Risk level | Low |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (settlement from bank account) |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited physical and virtual cards |
Billing
| Billing address | Business (US) |
| Billing country | United States |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes (Visa/MC accepted, incl. ad platforms) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 251469 | Mastercard | United States | Credit | 258 | 185 | 71.7% |
We logged 185 cleared charges out of 258 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does BILL Divvy cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0 (no monthly fee); conversion is priced at No published FTF; up to ~1.6% per Cardholder Agreement (WebBank). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for BILL Divvy?
BILL Divvy asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (credit approval/underwriting; KYC for authorized signers)
How can I fund BILL Divvy?
You can fund it with bank transfer (settlement from bank account). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does BILL Divvy need?
Setting it up: the billing address type is Business (US); cards are issued against United States; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does BILL Divvy work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will BILL Divvy trigger 3-D Secure?
Yes. BILL Divvy supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with BILL Divvy?
The issuer allows Unlimited physical and virtual cards. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.