American Express Business Platinum vs BILL Divvy Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 (8/10 vs 7/10).
| Scored on | American Express Business Platinum | BILL Divvy Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 6 |
| Features | 9 | 9 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 0% - 1% |
| Late Payment Fee | Up to $39 | 2.99% or $38 |
| Per-User Fee | — | $0 |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Business Platinum or BILL Divvy Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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.