BILL Divvy Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of BILL Divvy Card and The Plum Card from American Express — 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 7.1/10).
| Scored on | BILL Divvy Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $250 |
| Per User Fee | $0 | — |
| Foreign Transaction Fee | $0 | $0 |
| Rewards Rate | Up to 7x | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
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.
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
Frequently asked questions
Which is better, BILL Divvy Card or The Plum Card from American Express?
On our five-axis scorecard, BILL Divvy Card scores higher (8.4/10 vs 7.1/10). 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 The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.