Divvy Eligibility Requirements

The Divvy credit application uses several different criteria to determine eligibility, which are included in the table below. While these are the main evaluation factors, each application is evaluated individually and other factors may be considered.


Eligibility Requirement

Annual Revenue

Varies; accounting integrations are used to verify annual revenue

Business History

Varies based on business performance

Cash Balances

Varies; typically balance must be greater than $20,000 in an active account

Credit Score

Credit score typically must be good to very good

(applies to business and personal credit)


Must be based in United States

If you are approved for a line of credit under a traditional Divvy account, your credit limit will be based on the same criteria used during the application process. However, your Divvy credit limit can be increased over time based on account performance.

Read the Divvy Credit Application FAQ.

Divvy Account Types

Divvy is an expense management platform that connects to physical and virtual charge cards. Divvy is free to use; however, Divvy users must be approved for either an unsecured line of credit or the Credit Builder program. With an unsecured line of credit, businesses are assigned a specific credit line that determines the amount they can spend using their Divvy cards. The entire balance is due on the account’s due date. Learn more about Divvy.

If you are not approved for the unsecured line of credit, you can reapply again in three months or select the Credit Builder program. With the Credit Builder program, customers are given a secured line of credit that must be prefunded before its associated charge cards can be used for transactions. Learn more about Credit Builder.

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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