What are Divvy Rewards?

Divvy Rewards allows Divvy customers to earn reward points for transactions made with their Divvy cards*. Reward points may be redeemed for cash, gift cards, statement credit, or travel reimbursement. Divvy reward points may be earned by all spenders in an account, but rewards can only be viewed and redeemed by an account admin.

*- Only eligible transactions apply. View Which transactions are excluded from earning Divvy Rewards points? for more information.

Which transactions are excluded from earning Divvy Rewards points?

To retain your earned rewards in any month, you must spend at least 30% of your credit line for that month. If you do not spend at least 30% of your credit line in a given month, you will forfeit any earned rewards points from that month.

Most transactions are eligible for earning Divvy Rewards points. The following transactions do not accrue points:

  • Any transactions from a given month if your total monthly spend is less than 30% below credit line

  • Foreign transactions and foreign transaction fees

  • Plastiq transactions

Your accrued rewards points will be forfeited if:

  • You spend $0 in any given month.

  • You are delinquent or default on your payment at any time.

  • You are not a customer at the end of the initial 12-month period.

  • You spend less than $5,000 in the last three months of the initial period.

When can I redeem my rewards points?

When you first sign up for a Divvy account, you begin a 12-month period where you can earn rewards points but not spend them. During each month of the initial 12-month period, rewards accruals are subject to the same requirements as listed in “Which transactions are excluded from earning Divvy Rewards points?”.

At the end of the 12-month period, you will be able to redeem your rewards points if you are still a Divvy customer and you have spent at least $5,000 total in the last three months of the initial period.

Once you have passed the initial 12-month period, you will be able to redeem rewards at any time, as long as you have accrued at least 5,000 points. You must redeem at least 5,000 points in order to redeem rewards points.

How are rewards points calculated?

Reward points are calculated by awarding a point multiplier for each dollar spent on eligible Divvy card transactions* in an account. Point multipliers are determined by an account’s billing cycle and the transaction type.

Multipliers apply to the first $5,000 spent in a month and all subsequent eligible transactions will earn rewards at the Everything Else* multiplier. For example, if your first $5,000 spent in a month was on hotels, the Hotels multiplier would apply to that $5,000 but all subsequent eligible transactions for that month would be given the Everything Else* multiplier, even if the transactions were for restaurants, hotels, or software subscriptions.

Notes:

  • You can only redeem points if you have at least 5,000 points.

  • Multipliers apply to the first $5,000 spent in a month and all subsequent eligible transactions will earn rewards at the Everything Else* multiplier.

  • To be eligible to redeem Divvy Rewards, you must be an active customer for at least 12 months.

  • To retain your earned rewards in a given month, you must spend at least 30% of your credit line for that month.

Divvy Reward Multipliers

Weekly Billing Cycle

Semi-Monthly Billing Cycle

Monthly Billing Cycle

Restaurants

7x

4x

2x

Hotels

5x

3x

2x

Recurring Software Subscriptions

2x

1.75x

1.5x

Everything Else*

1.5x

1x

1x

For example, an account on a weekly billing cycle with $100 in restaurant transactions and $300 in hotel transactions would earn 700 points from restaurant transactions and 1,500 points from hotel transactions.

*- Only eligible transactions apply. View Which transactions are excluded from earning Divvy Rewards points? for more information.

What are my rewards redemption options?

Divvy Rewards provides four redemption options:

  • Cash Back: The redemption amount is mailed via check to the address on your Divvy account within 10 business days of redemption.

  • Gift Cards: The redemption amount can be used for gift cards to a variety of places. You will receive an email from Tango within 3-5 days of redemption that will provide instructions for selecting the gift card merchant.

  • Statement Credit: The redemption amount is applied as an adjustment on your next monthly statement. The statement credit should be applied automatically after your redemption request is submitted.

  • Travel: The redemption amount will be applied as a reimbursement after you have booked travel using your Divvy card with our travel partner. Reimbursement can be applied as statement credit, mailed check, or ACH and may take up to 10 business days.

Can I calculate how much my rewards points are worth?

Yes. Use this calculator to see how much value your points would have if they are redeemed for cash back, gift cards, statement credit, or travel.

How do I redeem my rewards?

You can redeem your rewards from Divvy on a web browser or from the Divvy mobile app. Learn more here.

Why can't I redeem my rewards?

If the ability to redeem rewards points is not available in your account, the following scenarios may apply:

  • You may not have been a Divvy customer for a year.

  • You may not have accumulated at least 5,000 points.

  • Your account may be past due.

Can I change my rewards redemption request after it has been submitted?

No. Before you are able to submit any request, Divvy displays a confirmation screen that includes details of your request. Please review your request to ensure it is accurate before submitting.


If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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