BILL Divvy Card vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of BILL Divvy Card and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | BILL Divvy Card | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $0 | — |
| Per-User Fee | $0 | — |
| Foreign Transaction Fee | 0.90% | — |
| Late Payment Fee | 2.99% or $38 | — |
| Annual fee | — | $0 |
| Intro purchase APR | — | 0% for 12 months |
| Regular APR | — | 18.24% - 27.24% (Variable) |
| Foreign transaction fee | — | 3% |
| Late fee | — | Up to $40 |
BILL Divvy Card in one paragraph
The best zero-cost way to stop employee spending leaks, provided you are comfortable paying your balance weekly to unlock the real rewards.
Skip it if: Skip it if you need to carry a balance month-to-month or if your business spends heavily in foreign currencies.
U.S. Bank Triple Cash Rewards in one paragraph
A top-tier no-annual-fee card for businesses that live on the road and want simple cash rewards without complex travel math.
Skip it if: You frequently travel internationally or buy most of your office supplies from Amazon rather than dedicated stores like Staples.
Frequently asked questions
Who should skip BILL Divvy Card?
Skip it if you need to carry a balance month-to-month or if your business spends heavily in foreign currencies.
Who should skip U.S. Bank Triple Cash Rewards?
You frequently travel internationally or buy most of your office supplies from Amazon rather than dedicated stores like Staples.