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 (8/10 vs 7.3/10).
| Scored on | BILL Divvy Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $250 (waived first year) |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | — |
| Foreign Transaction Fee | 0% - 1% | $0 |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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.
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
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 (8/10 vs 7.3/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.