VS
Divvy vs Pilot — Which One Wins?
A detailed, side-by-side comparison of Divvy and Pilot 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. Pilot (4.0) is the better pick if you need vc-backed startups needing professional bookkeeping.
Side-by-Side Comparison
| Criteria | Divvy | Pilot |
|---|---|---|
| Rating | ★★★★ 4.4(135) | ★★★★ 4.0(72) |
| Pricing Model | freemium | subscription |
| Starter Price | Free | $599/mo (bookkeeping) |
| Free Tier | Yes | Yes |
| Platforms | Web, iOS, Android | Web |
| Learning Curve | Easy | Easy |
| API Available | Yes | No |
| Best For | Teams wanting free corporate cards with budget controls | VC-backed startups needing professional bookkeeping |
| Verdict | Best Free Corporate Cards | Best for Startups |
Feature Checklist
| Feature | Divvy | Pilot |
|---|---|---|
| Corporate Cards | — | |
| Budget Management | — | |
| Receipt Matching | — | |
| Real-Time Tracking | — | |
| Virtual Cards | — | |
| Expert Bookkeeping | — | |
| Tax Prep | — | |
| Fractional CFO | — | |
| R&D Tax Credits | — | |
| Investor-Ready Reports | — |
Divvy
Pros
- ✓Completely free
- ✓Excellent budget controls
- ✓Bill.com integration
Cons
- ✕US-only
- ✕Being merged into Bill.com brand
- ✕Fewer rewards than Ramp
Pilot
Pros
- ✓Understands startup accounting
- ✓R&D tax credit expertise
- ✓Investor-ready reports
Cons
- ✕Very expensive
- ✕Overkill for simple businesses
- ✕Long onboarding process
The Bottom Line
Both Divvy and Pilot are solid tools in the Accounting & Finance space. Divvy edges ahead with a stronger overall rating (4.4 vs 4.0) and is the better choice for teams wanting free corporate cards with budget controls. However, if you prioritize vc-backed startups needing professional bookkeeping, Pilot is worth serious consideration. We recommend trying the free tier or trial of each before committing.
Frequently Asked Questions
Is Divvy better than Pilot?▼
Divvy scores higher overall with a 4.4 rating vs 4.0. However, the best choice depends on your specific needs. Divvy is best for Teams wanting free corporate cards with budget controls, while Pilot is best for VC-backed startups needing professional bookkeeping.
Can I switch from Divvy to Pilot?▼
Yes, most users can migrate between the two. Pilot offers a free tier to test before committing.
Which is more affordable, Divvy or Pilot?▼
Divvy starts at Free, while Pilot starts at $599/mo (bookkeeping). Divvy offers a free tier. Pilot offers a free tier.