BILL Divvy Card vs United Business Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and United 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 (8.3/10 vs 7.3/10).
| Scored on | BILL Divvy Card | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 10 | 7 |
| Customer support | 6 | 6 |
| Features | 9 | 8 |
| Annual Fee | $0 | $99 (often $0 for the first year) |
| Additional Card Fee | $0 | — |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Employee Card Fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% variable |
BILL Divvy Card in one paragraph
The best tool for businesses with 5+ employees that need to kill expense reports, provided you are willing to pay weekly to maximize rewards.
Skip it if: You are a solo-operator who hates micromanaging budget categories every time you buy a coffee.
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
Frequently asked questions
Which is better, BILL Divvy Card or United Business Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8.3/10 vs 7.3/10). The best tool for businesses with 5+ employees that need to kill expense reports, provided you are willing to pay weekly to maximize rewards.
Who should skip BILL Divvy Card?
You are a solo-operator who hates micromanaging budget categories every time you buy a coffee.
Who should skip United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.