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Personal Finance · head to head

Credit Karma vs Divvy

Credit Karma logo

Credit Karma

Personal Finance

Free credit scores, reports, and more

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: Credit Karma state tax filing costs 15 USD even though federal filing is 0 USD; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Credit Karma covers Free credit score, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Credit Karma and Divvy actually diverge.

Attributes where Credit Karma and Divvy differ
AttributeCredit KarmaDivvy
Pricing modelfreemiumfree
CategoryPersonal FinanceAccounting
Founded20072016

Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), 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 Credit Karma

  • Free credit score
  • Credit report monitoring
  • Credit card recommendations
  • Tax filing
  • Credit bureaus
  • Financial institutions
  • IOS support

Only in Divvy

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

Both cover

  • Web support
  • Android support

What people use each for

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

Credit Karma

  • Monitoring a credit score and the factors affecting it for freenot Divvy
  • Comparing credit card and loan offers with Approval Oddsnot Divvy
  • Filing federal tax returns at no chargenot Divvy

Divvy

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

Where each one falls short

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

Credit Karma

  • State tax filing costs 15 USD even though federal filing is 0 USD
  • Credit Spark builds score history against TransUnion, and the site states that not all lenders use TransUnion credit reports or scores
  • Card and loan listings are advertising placements, disclosed on the site as compensation from third party advertisers
  • Send and score update frequency limits are not published on the site

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

Credit Karma

Free
  • FreeFree
    • Credit score monitoring
    • Credit reports
    • Personalized recommendations

Divvy

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

Which should you pick?

Choose Credit Karma if

  • You need free credit score.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want credit report monitoring.
Credit Karma 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 Credit Karma or Divvy better?
Neither clearly leads. Credit Karma 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, Credit Karma or Divvy?
Credit Karma starts at Free and Divvy at Free.
Does Credit Karma or Divvy run on more platforms?
Credit Karma runs on Web, IOS, Android. Divvy runs on Web, Ios, Android.
Can I use Credit Karma for free?
Both have a free tier, so you can try either at no cost before committing.
What is Credit Karma best used for?
Credit Karma is most often used for monitoring a credit score and the factors affecting it for free, comparing credit card and loan offers with approval odds, filing federal tax returns at no charge. Of those, monitoring a credit score and the factors affecting it for free and comparing credit card and loan offers with approval odds are not what Divvy is typically brought in for.
What can Credit Karma do that Divvy cannot?
Credit Karma covers Free credit score, Credit report monitoring, Credit card recommendations, Tax filing. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle Web support, Android support.

Answered from the vendors’ own pages

Credit Karma: How much does Credit Karma cost?

Credit Karma's core services are completely free: credit score monitoring, credit reports, card and loan comparisons, and federal tax filing. The only costs are optional: $15 per state tax return and $2.50 per out-of-network ATM withdrawal.

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
Credit Karma: Is Credit Karma's credit monitoring free?

Yes, Credit Karma offers free credit score monitoring, credit reports, personalized insights, and credit building tools. Users can access their credit data without any subscription cost.

Source
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
Credit Karma: What is the cost to file taxes with Credit Karma?

Federal tax filing is free with Credit Karma Tax. State tax filing costs $15 per return. These costs are optional and only apply if you choose to file through the platform.

Source
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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