BILL Divvy Card vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Hilton Honors American Express Business 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 (8.1/10 vs 7.7/10).
| Scored on | BILL Divvy Card | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 7 |
| Features | 9 | 8 |
| Annual Fee | $0 | $195 |
| Per-User Fee | $0 | — |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Purchase APR | — | 20.99% - 29.99% Variable |
BILL Divvy Card in one paragraph
A powerful, $0-fee expense management tool that trades your cash-flow float for automated bookkeeping and high category rewards.
Skip it if: You need a 30-day payment cushion to manage cash flow and aren't willing to pay your balance weekly.
Hilton Honors American Express Business Card in one paragraph
A powerhouse for businesses with high miscellaneous spend who want to turn their overhead into luxury Hilton stays.
Skip it if: You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
Which is better, BILL Divvy Card or Hilton Honors American Express Business Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8.1/10 vs 7.7/10). A powerful, $0-fee expense management tool that trades your cash-flow float for automated bookkeeping and high category rewards.
Who should skip BILL Divvy Card?
You need a 30-day payment cushion to manage cash flow and aren't willing to pay your balance weekly.
Who should skip Hilton Honors American Express Business Card?
You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.