Divvy vs Mercury — Which One Wins?
A detailed, side-by-side comparison of Divvy and Mercury to help you pick the right tool for your workflow.
Quick Verdict
Mercury takes the lead with a 4.5 rating and is best for startups and tech companies wanting modern banking with startup-specific features.. Divvy (4.4) is the better pick if you need teams wanting free corporate cards with budget controls.
Side-by-Side Comparison
| Criteria | Divvy | Mercury |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★★ 4.5(178) |
| Pricing Model | freemium | free |
| Starter Price | Free | N/A |
| 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 | Startups and tech companies wanting modern banking with startup-specific features. |
| Verdict | Best Free Corporate Cards | recommended |
Feature Checklist
| Feature | Divvy | Mercury |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Free business checking | — | |
| Beautiful banking interface | — | |
| API access for programmatic banking | — | |
| Treasury (higher yield) | — | |
| Team permissions and controls | — | |
| Startup metrics (burn rate, runway) | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Mercury
Pros
- ✓Best banking interface available — beautiful and functional
- ✓API enables programmatic banking automation
- ✓Startup metrics like burn rate and runway built in
Cons
- ✕No physical branches for in-person banking
- ✕FDIC insurance through partner banks, not Mercury directly
- ✕Limited to US-based businesses
The Bottom Line
Both Divvy and Mercury are solid tools in the Accounting & Finance space. Mercury edges ahead with a stronger overall rating (4.5 vs 4.4) and is the better choice for startups and tech companies wanting modern banking with startup-specific features.. However, if you prioritize teams wanting free corporate cards with budget controls, Divvy is worth serious consideration. We recommend trying the free tier or trial of each before committing.