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: it's a tie on our scorecard — pick on fit, not score.
| Scored on | BILL Divvy Card | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $0 | $199 |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Foreign Transaction Fee | 0% - 1% | $0 |
| Purchase APR | — | 21.49% - 28.49% Variable |
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.
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate tool for high-spending business owners to unlock nearly free companion travel on Southwest.
Skip it if: Skip it if you don't live near a Southwest hub or if you prefer luxury international travel over domestic efficiency.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
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 Southwest Rapid Rewards Performance Business Credit Card?
Skip it if you don't live near a Southwest hub or if you prefer luxury international travel over domestic efficiency.