Switching From Divvy (BILL Spend): Best Alternatives in 2026
Divvy's free expense software is tied to its corporate card, a real constraint if that no longer fits. Here is how the more flexible alternatives compare if you switch.
Quick verdict
Best if you want to keep your own card: Expensify or Concur. Best combined card and software alternative: Ramp. Best for startups: Brex.
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 user per month for Collect (basic) or $9 per user per month for Control (with approval workflows and QuickBooks sync).
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, Expensify Control costs $90 per month 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 to $9 per user per month. If you are a startup without established credit: Brex.
Frequently asked questions
Is Divvy actually free? The software is free, but you must use the Divvy corporate card. The model is that Divvy earns interchange fees on card transactions rather than charging for software.
Can I use Divvy with my own corporate credit card? No. Divvy requires the use of their card program. For card-agnostic expense management, use Expensify, Concur, or a similar tool.
What happened to Divvy after BILL acquired it? Divvy was rebranded as BILL Spend and Expense. The product still exists but is integrated more tightly with the broader BILL platform. Teams that want a standalone expense tool not tied to BILL should evaluate Ramp or Expensify.
For a deeper look at Divvy, see our Divvy review, or compare it against the best expense management. If Ramp is your actual baseline rather than Divvy, our Ramp alternatives guide covers overlapping tools from that starting point.