BILL Divvy Card vs United Club Business Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and United Club 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 (8.4/10 vs 7.7/10).
| Scored on | BILL Divvy Card | United Club Business Card |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 9 |
| Annual Fee | $0 | $525 |
| Per User Fee | $0 | — |
| Foreign Transaction Fee | $0 | $0 |
| Rewards Rate | Up to 7x | — |
| Employee Cards | — | $0 |
| Late Payment Fee | — | Up to $40 |
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.
United Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, BILL Divvy Card or United Club Business Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8.4/10 vs 7.7/10). 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 United Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.