What is the credit score requirement for the BILL Spend & Expense card?

Since BILL Spend & Expense is a corporate card, your personal credit score isn't taken into account and no credit check is required. Their underwriter is making the approval decision based on funds available in your company bank account (like Mercury Bank). BILL Spend & Expense has lower account requirements to start than Ramp.

What is the credit limit for the BILL (Divvy) card and how is it determined?

BILL Spend & Expense uses an underwriter that looks at the funds you have in your corporate bank account (like Mercury Bank) and cashflow (business income) to determine your approved credit limit. They are a bit more generous on credit limit as compared to your account balance, when comparing BILL vs Ramp. If you pay off your balance in time regularly, they may automatically give you a higher credit limit as it's not as directly tied to your bank account balance as Ramp is (making it more ideal for small businesses with less cash in the bank). You can probably expect a $5K limit starting out, but keep in mind that you can pay this off weekly or even daily, so if you pay off weekly for example, that means it resets once per week, making your effective credit limit $20K/mo. You can also make a on-off overpayment if you need to make a larger purchase that is outside of the limit they've given you.

Does the BILL card run on the Visa network?

The BILL Spend & Expense credit card uses the Visa network, which is arguably the best network to use (even over MasterCard) for these spend and expense platforms because the Visa network allows for restricting purchases based on spend category, unlike MasterCard. In-fact, BILL actually used to use MasterCard and switched to Visa (like that of Ramp) to have more product functionality.

Can Canadian companies use BILL?

BILL Spend & Expense is currently US only, if you ask Google or other sites, you'll hear that BILL Spend & Expense (Divvy) Cards work in Canada and other countries, meaning that you can use the in those countries, but BILL only works currently for companies based in the United States.