BILL Spend & Expense review

BILL Spend & Expense is the simplest way for a small business to put controlled cards in employees' hands without a software bill. BILL says the product is $0 per user per month and includes corporate cards, budgets, expense tracking and access to credit lines from $1,000 to $5M, and its pricing FAQ states it is free from subscription and per-user software fees. The cards are the BILL Divvy Card, and BILL describes AI-powered spend management that categorizes and checks each transaction. The catch is that the wider spend picture lives in BILL's separate payables products. Bill entry, approval workflows and supplier payments start with Accounts Payable and Receivable Essentials at $49 per user per month, and purchase requests, purchase orders and two-way matching are listed on the $89 Corporate plan. For a team that already pays suppliers in BILL, adding the free card program is an easy step. For a team starting from nothing, Ramp or Brex include bill pay in their free tiers.

Who it is for

Small businesses that want free company cards with budgets and already use or plan to use BILL for payables.

Price

Spend & Expense is $0 per user per month; BILL Accounts Payable and Receivable plans are separate, from $49 per user per month.

Yes, the BILL Spend & Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking, and access to credit lines from $1,000-$5M.
Quoted from the vendor pricing page on November 7, 2026.

Key features

• Corporate cards paired with budgets and expense tracking at no software cost
• Credit lines from $1,000 to $5M, subject to approval
• AI-powered spend management that categorizes each card transaction
• Optional BILL Accounts Payable and Receivable plans for bills and invoices
• Purchase requests and purchase orders on BILL's Corporate payables plan

Strengths and weaknesses

• Strength: No subscription or per-user software fees for Spend & Expense
• Strength: Budgets are part of the free product
• Strength: Pairs with BILL payables, which many accountants already use
• Weakness: Bill pay is a separate paid product starting at $49 per user per month
• Weakness: Purchase orders need the $89 Corporate payables plan
• Weakness: Credit lines are not guaranteed and depend on approval

Key facts

• Spend & Expense: $0 per user per month
• Credit lines: $1,000 to $5M, subject to approval
• AP and AR Essentials: $49 per user per month
• Card: BILL Divvy Card

Where it ranks

BILL Spend & Expense is No. 3 in our Best Spend Management Software verdict.