BILL Divvy Card vs Chase Ink Business Unlimited: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Chase Ink Business Unlimited — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Unlimited wins on our scorecard (8.5/10 vs 8/10).
| Scored on | BILL Divvy Card | Chase Ink Business Unlimited |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 9 |
| Fees & pricing | 9 | 10 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $0 |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | $40 |
| Foreign Transaction Fee | 0% - 1% | 3% |
| Introductory APR | — | 0% for 12 months |
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 Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
Frequently asked questions
Which is better, BILL Divvy Card or Chase Ink Business Unlimited?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 8/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
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 Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.