Can you get the BILL Spend & Expense (formerly Divvy) Business Charge Card bonus without a direct deposit?
Yes. The BILL Spend & Expense (formerly Divvy) Business Charge Card bonus pays $500 statement credit and does not require a payroll direct deposit. What it requires instead is: Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days..
Free corporate spend platform with unlimited virtual cards, real-time expense reporting, and up to 7x rewards on software and restaurants. No personal guarantee required for larger businesses.
The numbers, in full
| Payout | $500 statement credit |
|---|---|
| What it takes | Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $833/hr |
| When it pays | Credit posts to the account 4 to 6 weeks after qualifying spend clears |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $833/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| U.S. Bank | $2,286/hr | 0.53h |
| Bank of America | $1,429/hr | 0.53h |
| BILL Spend & Expense (formerly Divvy) (this offer) | $833/hr | 0.6h |
| Amex Blue Business Cash | $833/hr | 0.6h |
| Grasshopper | $706/hr | 0.42h |
| Associated Bank | $706/hr | 0.42h |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
No direct deposit
Same question, different offer.
- Can you get the Bank of America Business Advantage Banking bonus without a direct deposit?Up to $750
- Can you get the U.S. Bank Platinum Business Checking bonus without a direct deposit?$1,200
- Can you get the Axos Basic Business Checking bonus without a direct deposit?Up to $200
- Can you get the TD Bank Signature Savings bonus without a direct deposit?$200
- Can you get the Bask Bank Mileage Savings bonus without a direct deposit?20,000 AA miles (~$280)
- Can you get the Barclays Tiered Savings bonus without a direct deposit?$200
Get the changes by email
One free weekly email when offers change, die, or a better one shows up. No spam, unsubscribe anytime.