BILL Divvy Card vs Southwest Rapid Rewards Performance Business Credit Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Southwest Rapid Rewards Performance Business Credit 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 (8.4/10 vs 8/10).
| Scored on | BILL Divvy Card | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $0 | $199 |
| Per User Fee | $0 | — |
| Foreign Transaction Fee | $0 | $0 |
| Rewards Rate | Up to 7x | — |
| Employee Cards | — | $0 |
| Late Payment | — | Up to $40 |
BILL Divvy Card in one paragraph
The BILL Divvy Card is the gold standard for small businesses that want to trade paper receipts for automated budget controls without paying an annual fee.
Skip it if: Skip it if you need to carry a balance month-to-month, as this is a charge card that requires full payment on your selected cycle.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
Skip it if: You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
Which is better, BILL Divvy Card or Southwest Rapid Rewards Performance Business Credit Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8.4/10 vs 8/10). The BILL Divvy Card is the gold standard for small businesses that want to trade paper receipts for automated budget controls without paying an annual fee.
Who should skip BILL Divvy Card?
Skip it if you need to carry a balance month-to-month, as this is a charge card that requires full payment on your selected cycle.
Who should skip Southwest Rapid Rewards Performance Business Credit Card?
You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.