American Express Business Gold vs BILL Divvy Card: which one fits your business?
Side-by-side comparison of American Express Business Gold and BILL Divvy Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: BILL Divvy Card wins on our scorecard (8.4/10 vs 7.6/10).
| Scored on | American Express Business Gold | BILL Divvy Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 6 |
| Features | 9 | 9 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 0% |
| Employee Card Fee | $0 up to 99 cards | $0 |
| Late Payment Fee | Up to $39 or 2.99% | — |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Software Subscription | — | $0 |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
BILL Divvy Card in one paragraph
The best $0-fee tool for business owners who want to delegate spending to employees without losing control of the checkbook.
Skip it if: You are a solopreneur who needs to carry a balance month-to-month rather than paying in full.
Frequently asked questions
Which is better, American Express Business Gold or BILL Divvy Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8.4/10 vs 7.6/10). The best $0-fee tool for business owners who want to delegate spending to employees without losing control of the checkbook.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
Who should skip BILL Divvy Card?
You are a solopreneur who needs to carry a balance month-to-month rather than paying in full.