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 (8/10 vs 7.4/10).
| Scored on | BILL Divvy Card | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 9 | 7 |
| Annual Fee | $0 | $99 ($0 first year) |
| 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.
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Frequently asked questions
Which is better, BILL Divvy Card or United Business Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7.4/10). 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 United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.