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Divvy vs Expensify — Which One Wins?
A detailed, side-by-side comparison of Divvy and Expensify to help you pick the right tool for your workflow.
TLDR
Quick Verdict
Divvy takes the lead with a 4.4 rating and is best for teams wanting free corporate cards with budget controls. Expensify (4.2) is the better pick if you need teams needing simple expense reporting and receipt capture.
Side-by-Side Comparison
| Criteria | Divvy | Expensify |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★ 4.2(190) |
| Pricing Model | freemium | freemium |
| Starter Price | Free | $5/user/mo |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Learning Curve | Easy | Easy |
| API Available | Yes | Yes |
| Best For | Teams wanting free corporate cards with budget controls | Teams needing simple expense reporting and receipt capture |
| Verdict | Best Free Corporate Cards | Best Expense Reports |
Feature Checklist
| Feature | Divvy | Expensify |
|---|---|---|
| Corporate Cards | ||
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| SmartScan Receipts | — | |
| Expense Reports | — | |
| Approval Workflows | — | |
| Mileage Tracking | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Expensify
Pros
- ✓Best receipt scanning in the market
- ✓Simple UX
- ✓Strong accounting integrations
Cons
- ✕Full platform feels bloated
- ✕Corporate card less competitive vs Ramp
- ✕Customer support inconsistent
The Bottom Line
Both Divvy and Expensify are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.2) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize teams needing simple expense reporting and receipt capture, Expensify is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Expensify?▼
Divvy scores higher overall with a 4.4 rating vs 4.2. However, the best choice depends on your specific needs. Divvy is best for Teams wanting free corporate cards with budget controls, while Expensify is best for Teams needing simple expense reporting and receipt capture.
Can I switch from Divvy to Expensify?▼
Yes, most users can migrate between the two. Expensify offers a free tier to test before committing.
Which is more affordable, Divvy or Expensify?▼
Divvy starts at Free, while Expensify starts at $5/user/mo. Divvy offers a free tier. Expensify offers a free tier.