Smart company cards, smarter spending
BILL Spend & Expense (formerly Divvy) (divvy.co) earns a Brand Analyzer score of 79 out of 100, placing it in the Brand-Ready tier among Finance brands, SaaS brands. Among 3971 Finance brands analyzed, BILL Spend & Expense (formerly Divvy) ranks in the 75th percentile (category average 73, leader 96). The score combines seven dimensions - name quality, digital presence, visual identity, messaging clarity, trust foundation, AI discoverability, and brand authority - into a single objective benchmark. Dimension scores: Name Quality 73/100, Digital Presence 82/100, Visual Identity 96/100, Messaging Clarity 95/100, Trust Foundation 80/100, AI Discoverability 69/100, Brand Authority 64/100.
BILL Spend & Expense, formerly known as Divvy, is a financial operations platform founded in 2013 and headquartered in Arlington County. It combines free expense management software with company cards to give businesses real-time tracking, flexible spending limits, and visibility into spending. The platform is designed for small to mid-sized businesses and finance teams seeking to automate expense reporting, control corporate card usage, and streamline accounts payable and receivable processes. It operates under the BILL brand as part of the company's broader suite of financial operations tools.
| Brand Name | BILL Spend & Expense (formerly Divvy) |
|---|---|
| Domain | divvy.co |
| Industry | Finance, SaaS |
| Founded | 2013 |
| Headquarters | Arlington County |
| Parent Company / Owner | BILL (Bill.com Holdings, Inc.) |
| Main Competitors | Ramp, Expensify, Brex (89/100), Concur (SAP Concur) (81/100), Airbase (77/100), American Express Business Cards (92/100) |
Moz Domain Authority 20/100 vs category average 36 / leader 95 - limited third-party links, so AI systems rarely encounter mentions of the brand.
Ranked #64,078 on the Tranco list of most-visited sites - strong traffic reinforces the brand's prominence to AI models.
BILL Spend & Expense (formerly Divvy) has a dedicated Wikipedia entity - a top-weighted signal AI models rely on to identify and describe the brand.
The homepage meta description reads "Automate expense management and reporting with BILL Spend & Expense (formerly Divvy), an expense management software that manages your spending." (Meta description: 20 words (ideal length). OG description present and descriptive) - this is the summary AI engines are most likely to quote.
Structured data on the homepage: og:title, og:description, og:type, Twitter cards, canonical. Adding Organization and FAQ schema would further help AI crawlers parse the brand's identity.
AI-crawler access: No robots.txt found (default: all bots allowed, but explicit file preferred) - robots.txt controls whether engines like GPTBot and ClaudeBot can read the site at all.
Detected tech stack: Cloudflare.
Social footprint: verified profiles on X (Twitter), LinkedIn, Instagram, GitHub; no detected presence on Facebook, YouTube - consistent profiles reinforce the brand's identity across the web.
0 Reddit mentions - community discussion signals real-world reputation to AI models.
BILL Spend & Expense (formerly Divvy) scores 51/100 for AI visibility - how well ChatGPT, Claude, Perplexity and Google AI Overviews can discover, identify and cite the brand.
BILL Spend & Expense (formerly Divvy) has a limited AI-visibility profile at 51/100 - a proxy for how readily ChatGPT, Perplexity and Google's AI Overviews can recognise and cite it. Its strongest area is visibility (71/100) and its weakest is trust (15/100). It benefits from a recognised Wikipedia company entity, a Wikidata knowledge-graph entry and a global traffic rank of #64,078 (Tranco). The main gaps holding it back: a low Moz Domain Authority of 20/100, thin schema.org structured data and no llms.txt to steer AI to its best pages. In a live check, Claude could already identify BILL Spend & Expense (formerly Divvy) from memory (August 2026) - a sign these signals are paying off.
Live results from asking a general-purpose AI assistant about the brand, checked August 2026.
When asked "What is BILL Spend & Expense (formerly Divvy)?", Claude could identify the brand as of August 2026. BILL Spend & Expense, formerly known as Divvy, is a business spend management platform offering corporate cards and expense tracking software, allowing companies to issue physical and virtual cards, set budgets, and automate expense reporting in real time. It was acquired by BILL Best known for free corporate cards paired with expense management and budgeting software.
When asked "Best brands similar to BILL Spend & Expense (formerly Divvy)?", Claude would recommend BILL Spend & Expense (formerly Divvy) as of August 2026. It's a well known player in the spend management space, often mentioned alongside Ramp and Brex for companies looking for corporate cards with built-in expense controls.
Common questions people ask in Google, ChatGPT, Claude, Gemini, Perplexity, and other AI search engines.
BILL Spend & Expense (formerly Divvy)'s main competitors include Ramp, Expensify, Brex, Concur (SAP Concur) (81/100), Airbase (68/100). These companies compete in the Finance space for similar customers, offering comparable products or services.
Sources: Brand Analyzer scan
BILL Spend & Expense (formerly Divvy) and American Express Business Cards are competitors in Finance. Brand Analyzer scores BILL Spend & Expense (formerly Divvy) at 79/100 and American Express Business Cards at 92/100. They target overlapping audiences; the right choice depends on your specific needs and priorities.
Sources: Brand Analyzer scan
Popular alternatives to BILL Spend & Expense (formerly Divvy) include Ramp, Expensify, Brex, Concur (SAP Concur) (81/100), Airbase (68/100). Each is an established option in the Finance space; the best fit depends on your specific needs, budget, and required features.
Sources: Brand Analyzer scan
BILL Spend & Expense offers expense management software paired with company cards. Its features include real-time expense tracking, flexible spending limits for individual team members, instant visibility into company-wide spending, and tools to streamline accounts payable and receivable processes. The software is provided free of charge as part of an integrated financial operations platform.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense (formerly Divvy) has moderate AI-search visibility, scoring 51/100 on Brand Analyzer's AI visibility composite (visibility 71, trust 15, recommendation 60). This estimates how likely AI engines like ChatGPT, Claude, Gemini and Perplexity are to know, trust, and recommend the brand.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense (formerly Divvy) was founded in 2013. BILL Spend & Expense (formerly Divvy) operates in the Finance category. It is analyzed by Brand Analyzer across seven brand dimensions and AI-search visibility.
Sources: Wikidata
BILL Spend & Expense (formerly Divvy) is headquartered in Arlington County. BILL Spend & Expense (formerly Divvy) operates in the Finance category.
Sources: Wikidata
BILL Spend & Expense automates expense management and reporting for businesses. It combines free software with company cards to provide real-time tracking of spending, flexible spending limits for employees, and instant visibility into transactions. The platform also streamlines accounts payable and receivable processes, helping finance teams maintain control over company-wide spending.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense (formerly Divvy) scores 60/100 on Brand Analyzer's AI recommendation signal, indicating it is reasonably likely to be surfaced when AI assistants like ChatGPT suggest Finance options. Recommendation depends on crawlability, structured data, and category authority; a Wikipedia presence helps.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense (formerly Divvy) can improve AI discoverability by strengthening structured data (Organization and FAQ schema), maintaining an accurate Wikipedia/Wikidata entity, earning authoritative citations, and keeping content crawlable for AI bots. Brand Analyzer measures these as visibility, trust, and recommendation signals.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense is used by small to mid-sized businesses and their finance teams. These organizations typically seek automated expense management, greater control over corporate card spending, and streamlined accounts payable and receivable operations.
Sources: BILL Spend & Expense (formerly Divvy) official site
BILL Spend & Expense, formerly Divvy, is known for combining company cards with free expense management software, allowing businesses to set flexible spending limits and gain real-time visibility into employee spending. It is recognized as part of BILL's broader financial operations platform, targeting small to mid-sized businesses seeking automated expense control.
Sources: BILL Spend & Expense (formerly Divvy) official site
Ranked closest to BILL Spend & Expense (formerly Divvy): Aviva (79/100), Deriv (79/100), Dukascopy Bank SA (79/100), Duke Realty (79/100).
A step up - brands to learn from: Zurich Insurance Group (81/100), Yiftee (81/100).
Category leader: eToro (96/100).