Softwr

Accounting · head to head

Divvy vs Mint

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Divvy covers Corporate cards, Mint covers Budgets.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Mint actually diverge.

Attributes where Divvy and Mint differ
AttributeDivvyMint
CategoryAccountingPersonal Finance
Founded20162006

Identical on both: starting price (Free), pricing model (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 Divvy

  • Corporate cards
  • Budget management
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Only in Mint

  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Both cover

  • Expense tracking
  • Web support
  • Ios support
  • Android support

What people use each for

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

Divvy

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

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Divvy
  • Users transitioning to Credit Karma for continued money management featuresnot Divvy

Where each one falls short

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

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

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Pricing, plan by plan

Divvy

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

Mint

Free

No published plan breakdown. See the Mint review.

Which should you pick?

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

Choose Mint if

  • You need budgets.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want bill tracking.
Mint review

Questions people ask

Is Divvy or Mint better?
Neither clearly leads. Divvy starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Mint?
Divvy starts at Free and Mint at Free.
Does Divvy or Mint run on more platforms?
Divvy runs on Web, Ios, Android. Mint runs on Web, iOS, Android.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
What is Divvy best used for?
Divvy is most often used for issuing corporate cards with pre-set budgets to employees, automating expense reports and receipt capture, syncing card spend into accounting software. Of those, issuing corporate cards with pre-set budgets to employees and automating expense reports and receipt capture are not what Mint is typically brought in for.
What can Divvy do that Mint cannot?
Divvy covers Corporate cards, Budget management, Real-time visibility, Accounting sync. Mint covers Budgets, Bill tracking, Credit score monitoring, Financial insights. Both handle Expense tracking, Web support, Ios support, Android support.

Answered from the vendors’ own pages

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
Mint: Is Mint still actively sold?

Mint has been reimagined on Credit Karma. The Mint website now directs users to check out the new platform on Credit Karma's net worth signup page rather than maintaining a standalone product.

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
Mint: What pricing information is available on the Mint homepage?

The Mint page does not disclose pricing details. For current pricing information, users should visit Credit Karma's website or contact support directly.

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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