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Nonprofits · head to head

Charity Navigator vs Divvy

Charity Navigator logo

Charity Navigator

Nonprofits

Nonprofit intelligence and rating platform

From
Free
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Charity Navigator charity Navigator is a free 501(c)(3) nonprofit service funded by donor donations rather than charging the charities it rates, so it has no vendor pricing model to compare (own about-us page).; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Charity Navigator covers Nonprofit ratings, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Charity Navigator and Divvy actually diverge.

Attributes where Charity Navigator and Divvy differ
AttributeCharity NavigatorDivvy
PlatformsWeb, Mobile-responsiveWeb, Ios, Android
CategoryNonprofitsAccounting
Founded20012016

Identical on both: starting price (Free), pricing model (free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Charity Navigator

  • Nonprofit ratings
  • Financial analysis
  • Donor reviews
  • Impact metrics
  • Fundraising data
  • GiveWell
  • BBB Wise Giving Alliance
  • Mobile-responsive support

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

Both cover

  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Charity Navigator

  • Nonprofit evaluation and researchnot Divvy
  • Charitable giving decisionsnot Divvy
  • Donor due diligencenot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot Charity Navigator
  • Automating expense reports and receipt capturenot Charity Navigator
  • Syncing card spend into accounting softwarenot Charity Navigator

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Charity Navigator

  • Charity Navigator is a free 501(c)(3) nonprofit service funded by donor donations rather than charging the charities it rates, so it has no vendor pricing model to compare (own about-us page).

Divvy

  • Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
  • Signup is gated behind selecting a business type and accounting software rather than being open self-serve

Pricing, plan by plan

Charity Navigator

Free
  • Free ProfileFree
    • Nonprofit profile
    • Ratings
    • Financial data

Divvy

Free
  • FreeFree
    • Unlimited cards
    • Expense management
    • Budget controls

Which should you pick?

Choose Charity Navigator if

  • You need nonprofit ratings.
  • You want to start without paying.
  • You work on Web, Mobile-responsive.
  • You also want financial analysis.
Charity Navigator review

Choose Divvy if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want budget management.
Divvy review

Questions people ask

Is Charity Navigator or Divvy better?
Neither clearly leads. Charity Navigator starts at Free and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Charity Navigator or Divvy?
Charity Navigator starts at Free and Divvy at Free.
Does Charity Navigator or Divvy run on more platforms?
Charity Navigator runs on Web, Mobile-responsive. Divvy runs on Web, Ios, Android.
Can I use Charity Navigator for free?
Both have a free tier, so you can try either at no cost before committing.
What is Charity Navigator best used for?
Charity Navigator is most often used for nonprofit evaluation and research, charitable giving decisions, donor due diligence. Of those, nonprofit evaluation and research and charitable giving decisions are not what Divvy is typically brought in for.
What can Charity Navigator do that Divvy cannot?
Charity Navigator covers Nonprofit ratings, Financial analysis, Donor reviews, Impact metrics. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle Web support.

Answered from the vendors’ own pages

Charity Navigator: Is Charity Navigator free to use?

Yes, Charity Navigator provides completely free access to its database of charity ratings, donor education resources, Giving Basket donation tool, and AI-powered charity recommendations.

Source
Divvy: What is the cheapest way to get started with spend and expense management?

BILL's Spend & Expense plan has a free tier with no per-user subscription fee, including corporate cards, budget management, and AI receipt capture. You only pay transaction fees for ACH ($0.59), checks ($1.99), or instant payments (1%).

Source
Charity Navigator: How does Charity Navigator make money if its services are free?

Charity Navigator operates through donations to the organization itself. The site includes a 'Support Charity Navigator' link for users who wish to contribute.

Divvy: What transaction costs apply when paying vendors?

ACH payments cost $0.59 per transaction, checks cost $1.99, virtual cards are free, and same-day ACH costs $11.99. International wire transfers cost $19.99. Card payments are 2.9%.

Source
Charity Navigator: What information can I access for free on Charity Navigator?

Free access includes searching and rating charities, using the Giving Basket donation tool, accessing donor education materials, and using Horizon AI Search for personalized charity recommendations.

Divvy: Does the free spend and expense tier include business credit lines?

The free Spend & Expense plan includes access to business credit lines ranging from $1,000 to $5 million, but credit lines are not guaranteed and eligibility is determined upon application approval.

Source
Divvy: What is the pricing for accounts payable if I need more than the free tier?

AP plans range from $49/user/month (Essentials) to $89/user/month (Corporate, most popular), with Enterprise at custom pricing. Higher tiers add accounting software integrations, procurement features, and approval controls.

Source
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