The short answer
BILL Spend & Expense, formerly Divvy, gives small and mid-size businesses free corporate cards with budgets and expense tracking. Its plan costs $0 per user a month and includes credit lines from $1,000 to $5M.
BILL Spend & Expense plans and pricesAlternatives to BILL Spend & Expense
LeadChange Score: editorial assessment based on public information.
BILL Spend & Expense wins 1Expensify wins 31 tie
| Dimension | BILL Spend & Expense | Expensify |
|---|---|---|
| PricingBILL Spend & Expense costs $0 per user a month, with cards, budgets and expense tracking. Expensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. BILL charges fees on some payment types. Accounts payable and receivable are separate paid subscriptions, Fees on some payment types (checks, ACH, instant transfers, international payments) | $0/user/mo | $5/user/mo |
| CapabilitiesExpensify documents all 10 of our expense capabilities and adds travel booking, bill pay and invoicing. BILL Spend & Expense documents 8 and adds budgets and travel. SmartScan reads merchant, date, amount and currency from a receipt, Receipts by photo, email forward or text message, Bring your own corporate cards, 10k+ banks supported, Unlimited virtual cards with the Expensify Card, Travel booking tied to expense rules, Delegated access and review-only access for auditors | 8 of 10 core capabilities | 10 of 10 core capabilities |
| IntegrationsExpensify lists 45+ integrations, including QuickBooks, NetSuite, Sage Intacct, Xero, Workday and Gusto. BILL Spend & Expense names QuickBooks, Sage Intacct, Oracle NetSuite and Xero. 45 | 10 documented | 45 native |
| Fit and supportExpensify names startups through enterprises; BILL Spend & Expense is built for small and mid-size businesses. Startups, small businesses, mid-market companies, enterprises | Small businesses, mid-market companies | Startups, small business, mid-market, enterprise |
| SecurityBoth state SOC 1 and SOC 2 Type II reports. Yes | SOC 2 | SOC 2 |
| Attribute | BILL Spend & Expense | Expensify |
|---|---|---|
| Pricing model | Free | Per user |
| Best for | Small businesses, mid-market companies | Startups, small businesses, mid-market companies, enterprises |
| Founded | 2006 | 2008 |
| Attribute | BILL Spend & Expense | Expensify |
|---|---|---|
| Price transparency | Published | Published |
| Free plan | ||
| Mobile apps | iOS, Android | |
| Open API | ||
| SOC 2 Type II | ||
| Ownership | Publicly traded | Publicly traded |
Pricing. BILL Spend & Expense costs $0 per user a month, with cards, budgets and expense tracking. Expensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. BILL charges fees on some payment types.
Capabilities. Expensify documents all 10 of our expense capabilities and adds travel booking, bill pay and invoicing. BILL Spend & Expense documents 8 and adds budgets and travel.
Integrations. Expensify lists 45+ integrations, including QuickBooks, NetSuite, Sage Intacct, Xero, Workday and Gusto. BILL Spend & Expense names QuickBooks, Sage Intacct, Oracle NetSuite and Xero.
Fit and support. Expensify names startups through enterprises; BILL Spend & Expense is built for small and mid-size businesses.
Security. Both state SOC 1 and SOC 2 Type II reports.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
The plan is $0 per user a month and includes corporate cards, budgets, expense tracking and credit lines from $1,000 to $5M. BILL’s accounts payable and receivable are separate paid subscriptions, and some payment types carry fees. Expensify Collect costs $5 per member a month.
It is BILL’s corporate card and expense product, formerly Divvy: physical and virtual cards with limits, receipts matched automatically, AI-coded accounting fields and reimbursements measured against budgets. BILL is a public company based in San Jose, California.
For a small or mid-size business that wants free cards with budgets, BILL Spend & Expense (formerly Divvy) is the cheaper start at $0 per user. For a company that keeps its own cards, reimburses abroad or wants travel booking, Expensify covers more.
Ramp and Brex also offer free corporate cards with expenses; Zoho Expense and Rydoo sell expense software per user; SAP Concur and Navan add corporate travel. Expensify has its own Expensify Card, so both products can be compared card to card.
Yes. It handles mileage and one-off reimbursements measured against budgets, submitted in local currency. Expensify reimburses in local currency by direct deposit to 190+ countries.
Both do. Expensify’s QuickBooks and Xero sync starts on Collect; BILL Spend & Expense also names Sage Intacct, Oracle NetSuite and Xero.
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A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
Payments, commissions and lead fees are never inputs.
