BILL Divvy Card vs Chase Ink Business Cash: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Chase Ink Business Cash — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 8/10).
| Scored on | BILL Divvy Card | Chase Ink Business Cash |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | — |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | — |
| Foreign Transaction Fee | 0% - 1% | — |
| Annual fee | — | $0 |
| Foreign transaction fee | — | 3% |
| Purchase APR | — | 18.49% - 24.49% variable |
| Late payment fee | — | Up to $40 |
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.
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
Frequently asked questions
Which is better, BILL Divvy Card or Chase Ink Business Cash?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 8/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
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 Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.