American Express Blue Business Plus vs BILL Divvy Card: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and BILL Divvy Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.3/10 vs 8/10).
| Scored on | American Express Blue Business Plus | BILL Divvy Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 7 | 6 |
| Features | 8 | 9 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 2.7% | 0% - 1% |
| Late Payment Fee | Up to $40 | 2.99% or $38 |
| Per-User Fee | — | $0 |
American Express Blue Business Plus in one paragraph
The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Skip it if: You spend more than $50,000 a year or frequently pay international vendors.
BILL Divvy Card in one paragraph
A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Skip it if: You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
Frequently asked questions
Which is better, American Express Blue Business Plus or BILL Divvy Card?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.3/10 vs 8/10). The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Who should skip American Express Blue Business Plus?
You spend more than $50,000 a year or frequently pay international vendors.
Who should skip BILL Divvy Card?
You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.