The Divvy (Bill) Business Small Business is a fintech account from Divvy (Bill) Business. The annual fee is $0. The ongoing APR is N/A (Charge Card). Approval typically requires a credit score of None specified or higher. Rewards: Up to 7x points on select categories, 2x dining, 1.5x on everything else. Typical credit limit: $500 - $5,000,000. [SOFT PULL ONLY] | Free expense management software included. Budgets and spend limits per employee. Virtual cards for subscriptions. Reports to business credit bureaus. Now part of Bill.com. | PG verification: While the database states no personal guarantee is required, some sources suggest that a personal guarantee may be needed depending on the applicant's creditworthiness. | EXPERT REFERENCE (Mar 2025): No hard credit pull, only a soft pull on TransUnion. | EXPERT REFERENCE (Mar 2025): No personal guarantee required. | EXPERT REFERENCE (Mar 2025): Credit limits range from $500 to $5 million, with automated approvals up to $400,000. | EXPERT REFERENCE (Mar 2025): Average starting limit is around $12,500. | EXPERT REFERENCE (Mar 2025): Must spend at least 30% of credit limit monthly to earn points. | EXPERT REFERENCE (Mar 2025): Points can only be redeemed after 12 months. | EXPERT REFERENCE (Mar 2025): Cash back and statement credits offer lower value (0.52 cents per point). | EXPERT REFERENCE (Dec 2025): Albert bagged $47,500 from Divvy with no hard pull and no personal guarantee | EXPERT REFERENCE (Sep 2025): Approved for $47,500 without a hard credit pull and without a personal guarantee. | EXPERT REFERENCE (Sep 2025): Initial approval was between $2,000 to $5,000. | EXPERT REFERENCE (Sep 2025): Credit limit increased by $3,000 to $5,000 every 90 days. | EXPERT REFERENCE (Sep 2025): Total credit line reached $47,000 across two accounts.