Divvy

Pros: Valuable product that helps build business credit!
Offers many good benefits and services that will help establish credit.

Cons: You have to meet certain requirements to qualify.

Overall: My experience was all good and valuable, educated.
Helped me in the process for building credit relationship with my small business.

Pros: Simplified our spending and tracking.
They really listen to our thoughts, troubles and suggestions.
Love that it's all in one place.

Cons: New company so working out kinks and bugs customer service was hard to get ahold of for a while but works better now.

Overall: We love Divvy. It's totally simplified everything for us. Love that it integrates with QuickBooks too.

Pros: They have a great service, perfect customer service, amazing virtual cards.

I can generate a large amount of virtual cards.
The app is really good and working properly so I can use when I want.
Divvy have been Simple, Elegant and Agile.
So far the best service ever.

Cons: They did not say to me about the rewards before I opened the account, just after I had my account working I can discovered that I can just redeem my rewards after 1 year. It should be changed I really hate to discover after.

I had a lot issues to managed to open account, but in the end I could do it.

Overall: All good, do the job properly. I recommend for everyone that need to generate corporative business.

Pros: When I found about this card and it’s ability to build credit I was sold. The application process was quick and the features have been easy to understand. The setup of the website has been straightforward. Being able to fund your account with what you want is great.

Cons: No cons so far. My experience has been good as of now.

Overall: The credit builder account is perfect for someone looking to do just that, build credit, as it can be so hard for business just starting out to get funding. With this card you're spending with a purpose.

Pros: This card has been easy to use. I really like the ability to create different cards and budgets for vendors as it creates better organization. The app is great and has the same functionality as going on the website.

Cons: I don’t currently have any. I feel everything has been straightforward.

Overall: It is great for small business. Customer service has been great at answering questions and also providing extra information where they can be helpful.

Pros: Ability to build business credit.
Dashboard informations and now with the QuickBooks integration things are even smoother. Virtual cards for employees.

Cons: Haven’t found any cons yet. I’m still exploring the card.

Overall: One of the best credit cards and funding for your business wether you’re new or have been in business.

Pros: It's been so beneficial to have budget limits that our spenders can easily view and track to prevent overspending.
- Syncing with quickbooks and pre-categorizing transactions has saved us HOURS.
- Setting up virtual cards with a limit for each vendor has helped us prevent overcharging from billing errors before they happen.
- the amount of settings, customizations, rules, etc you can set up are so helpful in lowering the amount of time spent on expense accounting

Cons: - Customer service is good, when they get to you. But the times I have needed help, and using the chat feature, it was 20min or more before getting a response.
- Because there is so much ability to customize, finding where to manage all the different settings can feel like an Easter egg hunt.

Overall: Highly recommend. take full advantage of all the training you can get on using the system and accessing/understanding all the settings.

Pros: I love the credit builder account as it’s a charge card that reports to Dun and Bradstreet, it’s protective of my accounts with larger funds so I only put the amount on the card I need and I get points plus it organizes my expenses into a budgets along with connecting to my QuickBooks account!

Cons: I thought I couldn’t connect it to QuickBooks but this issue has been resolved!

Overall: If you have a business and want it to grow there’s no question not to use Divvy, it costs you nothing!

Pros: The platform is simple and allows us to move through the month end financials much faster. The support we get is fast and helpful.

Cons: Reimbursements take to long to hit our employees accounts.

Overall: Love it. Parker is on it! He's been wonderful to work and train with. We have set up an additional business with Divvy because it's so awesome.

Pros: Ease for employees to submit credit card transactions.
Good App.
Ability to reimburse employees for no credit card charges.

Cons: Ability to freeze cards automatically for employees that do not submit receipts each week.

Overall: Divvy has made our accounting more efficient and a faster month close. The software comes out with improvements every month. The synch with QBO works perfectly and saves tremendous amount of bookkeeping time.

Pros: I love the fact that Divvy has No Personal Guarantee.

Has a well established client base of small businesses such as my own and has provided us with a well established credit limit that has allowed us to use the funds as a back up in cases of emergency.

Cons: Nothing, thus far, in all honesty. I have heard some reviews mentioning software glitches, however, in my opinion that is to be expected and I appreciate that they are constantly working to improve their platform, from website to their new mobile application.

Overall: Customer Service is great. The platform is constantly being updated to better service their clients and make the experience both more efficient but customizable to one’s needs and they provide some great benefits for using the Credit Card over alternatives.

Pros: I absolutely love the ability to have everyone share a credit line, issue individual cards, and track spending across our various budgets.

Cons: My only complaint is that there is no QuickBooks Desktop integration (at least at this time).

Overall: Transitioning to Divvy has been a huge win for our team! Capturing receipts is a breeze, everything is already categorized into budgets, and it makes inputting transactions into QuickBooks that much less of a headache. It also does a terrific job in helping budget managers see what is going on with their spending and where all that money is going!

Pros: I really like the virtual cards, it has really improved how our company pays our vendors. It is easy to have a separate card per vendor. If any thing happens to once card we can cancel it and reissue a replacement in mere minutes. No more waiting days for the new card.

Cons: I would like more reporting options. And as an administrator a little more visibility in the cards of my employees. If a reoccurring payment has been set up and there is an issue - I can not see the full card number to be able to help.

Overall: Having Divvy has changed the way we pay vendors. I don't know what we were doing prior to finding Divvy.

Pros: One platform with a great interface and tons of controls for managing how much and where all our employees and even contractors and volunteers can spend money w/o annoying reimbursement forms.

Cons: All that customizability means we need to manage the platform, but it's worth doing.

Overall: The best platform I've seen in this space and it's what finally got us to issue cards to employees and feel good about it.

Pros: I like this card because I routinely make purchases that would be considered too large for my bank's daily transaction limit. I can use Divvy to do business with my vendors without wiring money. I am a very small business, so some of the features of team expenses isn't pertinent to me, but it seems like it would be a great feature to grow into.

Cons: One thing I am disappointed in is the false promise of building credit. My company is young, so I am trying to build corporate credit. Divvy's credit builder (prepaid card) was sold under the pretense that in 6 months, they'd evaluate your history with them and open up a monthly line of credit upon approval. I've now been with Divvy for 9 months and have made $80k in transactions, but was denied any credit upon my request for an account review. As this was the main reason I signed up, I'm pretty disappointed.

The budgeting aspect of the platform, while helpful, was also unclear and hard to figure out how to work with. I wasn't aware that I had to set certain parameters to my budgets and assign them properly to each virtual card, so for a while I was attempting transactions with vendors that kept getting denied.

Also, I am tired of the trend of chat-style customer service. It takes forever to solve a problem when you have to wait 5-10 min in between every chat exchange. I just don't have time to sit staring at the chat box waiting for someone to respond. It also is taxing trying to explain a technical problem via text and realizing 30 min through a chat that you haven't been able to successfully communicate the issue. I wish companies would allow you to at least sit on hold for a while if you desire the option to speak with a live person.

Lastly, they advertise great rewards, but the fine print is you can't access these until an entire year into your history with them.

Overall: Overall, it is a satisfactory solution to one of my problems of needing to routinely perform large vendor transactions. There's plenty of features that seem beneficial to a bigger company but aren't relevant to my business. I'm disappointed that I was sold on "building credit", which hasn't happened.

Pros: It's easy to understand. I would recommend this product to all of my associates. Wish there were more company like Divvy.

Cons: There aren't any cons. Everything is easy to understand.

Overall: I love the experience I've had with Divvy, so far. I will be recommending this to all of my associates.

Pros: Divvy very reliable. Makes it easier for me to monitor employee spending. Keeps me in budget. Plus I can set employees budget.

Cons: Need a better app interface. The phone app locks up a lot.

Overall: Great for any size business. Budget friendly. Monitor all transactions. Need a faster way to to send money to my account.

Pros: I love how easy it is to categorize, review, approve, and export. The rewards are great and the use of the software is free. Can't beat it.

Cons: I would love to see the ability to have nested categories as our software has them.

Overall: Wonderful product. Can't say enough good things about it. We were very old school and had signed checks running all over the place until Divvy cold-called us and we got started. Huge improvement in so many ways.

Pros: Divvy is giving our young business the ability to establish credit responsibly.
Perfect for start ups and young businesses still establishing their foundation.

Cons: App isn't compatible with Galaxy Fold, struggled to figure out how to fund the secured card.

Overall: Like ability to set a budget for specific items and ability to feed budget bits at a time.
As well as the receipt capture for smooth tax season.

Pros: The easy app, is my favorite one at this moment. I have been using it for more than three weeks and i love it, highly recommend it!

Cons: Sooo easy and comfortable, but like all new projects i could wish them only progress and respect their customers.

Overall: Just a nice app, my favorite one at this moment, have some big plans for Divvy/goal to get a 25k credit card ) lol... I will.