We've used all of the core competitors (Ramp, Brex, Expensify, and Airbase), and we're here to tell you to look no further than Divvy. (Oh and it's totally free 👀)

No, really, like we've signed up for them and used them all. Divvy has the best UI/UX, does a fantastic job at natively integrating with QuickBooks Online (for automating your expense reconciling process), and handles team budgeting like a dream:

Create a virtual credit card and map it to the respective category + set up an email forwarding filter within your email once, and every single time the card is charged, your QuickBooks Online is already reconciled and up-to-date with a PDF of the receipt.

If you're using a traditional credit card in your business right now (something like the Chase Ink), you should be switching over to Divvy immediately. I'm serious... It's totally free, and you still get best-in-class credit card rewards.

The rewards are pretty standard with others in the space, getting somewhere around 1–1.5% on all categories, with a bit more in certain categories (higher % when making payments weekly—less if made bi-weekly or monthly).

Oh, and be sure to watch the video below where Divvy's virtual card feature allowed us to actually catch the person that committed fraud by stealing and using our credit card with a vendor 🤯

Their requirements are also way more accessible than that of Ramp and Brex (who both make their account criteria unnecessarily high). Divvy is great for startups and teams of all sizes, even if you're just getting your business started.

Divvy is the best tool in the spend management, budgeting, and basic accounting automation suite for most businesses of all sizes.