Finance & Banking Software
BILL Spend & Expense
Free corporate card and expense management platform from BILL (formerly Divvy), monetized via card interchange rather than subscription fees.
Small businessMedium businessEnterpriseNorth America
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for businesses wanting free corporate cards and expense management with no software subscription at all — worth pairing with (or comparing against) BILL's separate paid AP/AR products if you also need invoice-based bill pay.
Choose this if...
- Businesses wanting genuinely free corporate cards and spend controls
- Companies already using or considering BILL's broader AP/AR suite who want a matching card product
Look elsewhere if...
- You specifically need BILL's invoice/bill-pay (AP & AR) features bundled in — those are separate, paid products
- Your business isn't US-based
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Pricing
Verified Jul 17, 2026 against BILL Spend & Expense's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| BILL Spend & Expense | Free | Free | No subscription or per-user software fees; unlimited physical/virtual cards, budget-based spend controls, AI-powered expense management and receipt capture, employee reimbursements, business credit lines from $1,000-$5M (not guaranteed, subject to approval) |
Free tier reality
The Spend & Expense product is genuinely free software with no subscription or per-user fee — BILL monetizes through card interchange revenue rather than charging for the platform itself. This is distinct from BILL's separate AP & AR (accounts payable/receivable) products, which do carry per-user subscription fees ($49-$89/mo).
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DEV-MID · rectanglePros
- Genuinely free software with no subscription or per-user fee
- Proactive (pre-spend) budget controls rather than after-the-fact expense policing
- Access to a business credit line from the same provider, if approved
Cons
- Credit line amounts and approval are not guaranteed — advertised range is illustrative, not a commitment
- Full BILL AP/AR bill-pay functionality is a separate paid product, not included here
- Card-only free model means BILL's incentives lean toward driving card spend volume
Key features
- Unlimited physical and virtual corporate cards
- Proactive budget-based spend controls
- AI-powered expense management and receipt capture
- Employee reimbursements
- Optional business credit line ($1,000-$5M, subject to approval)
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
US-only for card issuance and underwriting.
- North America
Best for
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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BILL Spend & Expense FAQ
Questions about this tool
Is BILL Spend & Expense free?
Yes, there's a free tier. The Spend & Expense product is genuinely free software with no subscription or per-user fee — BILL monetizes through card interchange revenue rather than charging for the platform itself. This is distinct from BILL's separate AP & AR (accounts payable/receivable) products, which do carry per-user subscription fees ($49-$89/mo).
How much does BILL Spend & Expense cost?
Free. We verify pricing directly against BILL Spend & Expense's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is BILL Spend & Expense best for?
Businesses wanting genuinely free corporate cards and spend controls Companies already using or considering BILL's broader AP/AR suite who want a matching card product
Who should avoid BILL Spend & Expense?
You specifically need BILL's invoice/bill-pay (AP & AR) features bundled in — those are separate, paid products Your business isn't US-based
Does BILL Spend & Expense work well outside the US?
US-only for card issuance and underwriting.
What are the best alternatives to BILL Spend & Expense?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.