BILL Divvy Card vs Capital One Spark Cash Plus: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Capital One Spark Cash Plus — 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 7.9/10).
| Scored on | BILL Divvy Card | Capital One Spark Cash Plus |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 9 |
| Annual Fee | $0 | $150 (Refundable) |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | 2.99% of balance |
| Foreign Transaction Fee | 0% - 1% | None |
| Employee Card Fee | — | $0 |
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.
Capital One Spark Cash Plus in one paragraph
A powerhouse 2% cash-back engine for high-revenue businesses that don't mind a personal guarantee.
Skip it if: You need to carry a balance from month to month or have a credit score below 700.
Frequently asked questions
Which is better, BILL Divvy Card or Capital One Spark Cash Plus?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7.9/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
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.
Who should skip Capital One Spark Cash Plus?
You need to carry a balance from month to month or have a credit score below 700.