Switching From Divvy (BILL Spend): Best Alternatives in 2026

Why teams look beyond Divvy

Divvy (now rebranded as BILL Spend) offers its expense management software for free, which is compelling. The catch: the free software requires you to adopt the Divvy corporate card. Teams that have existing card programs with rewards or credit limits they want to maintain cannot use Divvy.

The software is solid for what it is, but the card program approval process can be restrictive for newer companies or companies with limited credit history. Some teams report difficulty getting approval for credit limits that match their actual spend levels.

Since BILL acquired Divvy, the product roadmap has aligned more closely with BILL's priorities, and some Divvy-specific features have changed. Teams that adopted Divvy for its standalone identity have felt this shift.

Ramp: best card-plus-software alternative

Ramp is the most direct competitor to Divvy: free software tied to the Ramp corporate card. Ramp's software is generally considered more polished, with better spend analytics, receipt capture, and QuickBooks integration than Divvy.

Ramp also has a reputation for approving higher credit limits than Divvy for growing companies. The card earns 1.5 percent cash back on all purchases. Right for companies that are open to switching their card program and want the best combined card-plus-software experience.

Expensify: best for card-agnostic expense management

Expensify works with any corporate card and personal card. Employees submit receipts via mobile app, Expensify reads and codes them with SmartScan, and managers approve expense reports. Pricing is $5 per unique member per month for Collect (basic, pay-per-use) or $18 per member per month standard on Control (approval workflows and QuickBooks sync), a rate that can drop as low as $9 with heavy Expensify Card usage [Expensify help center, retrieved 26 Sep 2026].

The advantage over Divvy is flexibility: you keep your existing card program and cash back rewards. The tradeoff is that you pay a monthly fee. For a 10-person team on Control, that is $180 per month at the standard rate (or as low as $90 per month with heavy Expensify Card usage) versus $0 for Divvy.

Brex: best for startups and fast-growing companies

Brex is the other main card-tied platform competing with Divvy and Ramp. Its key differentiation is that it does not require a personal guarantee, which matters for newer companies. Brex issues credit based on bank account balance and investor backing rather than traditional credit history.

Brex pricing: the card is free; the software starts at $12 per user per month for the premium tier with full AP and expense features. Better than Divvy for startups without established credit history.

How to choose

If your primary goal is the lowest possible software cost and you can adopt a new card: compare Ramp and Divvy directly, Ramp usually wins on software quality. If you want to keep your existing card program: Expensify at $5/member/month on Collect, or $18/member/month standard on Control (as low as $9 with heavy Expensify Card usage). If you are a startup without established credit: Brex.

Frequently asked questions

Is Divvy actually free? The software costs nothing, but only if your team also takes the Divvy card. Divvy earns interchange fees on card transactions rather than charging for software.

Can I use Divvy with my own corporate credit card? No. Divvy insists on its own card program. If you need a tool that works with any card, look at Expensify, Concur, or something similar.

What happened to Divvy after BILL acquired it? Divvy became BILL Spend and Expense. It still exists, but it now sits much closer to the rest of the BILL platform. Teams that want a standalone expense tool not tied to BILL should evaluate Ramp or Expensify.

Is ramp the same as divvy? No, they are separate companies that happen to chase the same customer. BILL bought Divvy and folded it into its own brand (covered above); Ramp has always run independently and was never connected to either company. Both give away their card for free and profit on interchange instead, which is probably why people mix them up.

Who are Brex's main competitors? Ramp competes hardest on price and positioning since it runs the same free-card, interchange-funded model. BILL Spend sits in a similar bracket, and Airbase, now folded into Paylocity, used to occupy the same space before its acquisition.

For a deeper look at Divvy, see our Divvy review, or check where it lands in our ranking of expense tools. If Ramp is your actual baseline rather than Divvy, our Ramp alternatives guide covers overlapping tools from that starting point.