# Expense management software that powers smart company cards BILL Spend & Expense gives your team smart, flexible cards paired with AI-powered expense management software—so every transaction is controlled, categorized, and automatically compliant. The BILL Divvy Card may be issued by one of Divvy Pay, LLC's [bank partners](https://www.bill.com/legal/bank-partners). The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement. ## Features built for smarter spending BILL Spend & Expense combines AI-powered expense management software with the BILL Divvy Card\* to give you instant visibility, automated controls, and a cleaner close every month. ### Company cards Give every team member the power to spend while you stay fully in control with real-time tracking, flexible limits, and instant visibility. [Learn More](https://www.bill.com/product/card) ### Business credit BILL makes it easy to access the funding you need, no matter the size of your business. Apply online now. [Learn More](https://www.bill.com/product/credit) ### Expense reporting software See expenses the moment they happen. BILL replaces end-of-month chaos and paper chasing with real-time insights and AI-powered auto-categorization. [Learn More](https://www.bill.com/product/expenses) ### Travel management Guide every booking with smart travel policies. Track spend in real time and automate expense workflows—from reservation to reconciliation. [Learn More](https://www.bill.com/product/travel) ### Mobile app Equip your team to spend smarter on the go. Capture receipts, manage cards, and complete transactions—all in real time, from anywhere. [Learn More](https://www.bill.com/product/download) ### Rewards Earn rewards that give money back to your business. The more you spend with BILL, the more value you unlock—cash back, travel perks, and more. [Learn More](https://www.bill.com/product/rewards) ### AI BILL AI brings a trillion dollars of financial intelligence to your workflow—removing manual tasks, increasing accuracy, and surfacing insights that fuel smarter, faster decisions. [Learn More](https://www.bill.com/product/ai) ### Integrations Experience a direct two-way sync that keeps everything aligned. BILL connects seamlessly with NetSuite, Sage Intacct, QuickBooks, Microsoft, and Xero—automatically or on demand. [Learn More](https://www.bill.com/integrations) \*The BILL Divvy Card may be issued by one of Divvy Pay, LLC's [bank partners](https://www.bill.com/legal/bank-partners). The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement. ## How BILL Spend & Expense works From getting started to closing your books, here's what you can expect. 01 **Get approved**: Apply once, get approved fast, and unlock flexible spending power. [Get Started](https://www.bill.com/product/spend-and-expense#formjump) 02 **Issue cards**: Create physical or virtual cards for teams with limits and rules baked in. [Get Started](https://www.bill.com/product/spend-and-expense#formjump) 03 **Spend + capture**: Snap a receipt and you’re done—transactions appear instantly. [Get Started](https://www.bill.com/product/spend-and-expense#formjump) 04 **Sync automatically**: Everything flows into your accounting system without the manual work. [Get Started](https://www.bill.com/product/spend-and-expense#formjump) ## You’ll get AI-powered tools you can trust With AI working behind the scenes, BILL Spend & Expense helps you close faster, stay accurate, and focus on growth—not data entry. ### Stay secure Predictive AI monitors your transactions in real time to detect suspicious activity and stop fraud in its tracks. And with our intelligent approach to vendor onboarding and validation, you can safely add vendors with confidence. ### Ensure accuracy Powered by transactions across our network, BILL’s AI processes predictions daily—delivering accuracy in auto-capturing key invoice fields. ### Supercharge efficiency With AI-driven categorization and receipt matching, manual entry shrinks and accuracy soars, saving time and avoiding costly errors. ### Fuel growth BILL AI isn’t bolted onto one product—it's embedded across your workflows, delivering intelligent automation that connects workflows and clears the path to growth. ## Why customers trust BILL Spend & Expense *Based on a survey of 127 BILL Spend & Expense users conducted by UserEvidence in March 2022.* - $10,630 average monthly savings. - 94% of users would recommend BILL to a friend. - 12 hours average monthly time savings. ## Frequently asked questions ### What is BILL Spend & Expense and how does it work? BILL Spend & Expense brings together company cards, expense tracking, and [spend controls](https://www.bill.com/blog/spend-controls) all in one platform. It helps teams manage company spending in real time, automate approvals, and keep expenses within budget. ### How does BILL Spend & Expense help control company spending? You can [create custom business budgets](https://www.bill.com/product/budgets), assign card limits, and automate approval workflows to ensure every business purchase is authorized, improving accountability. ### Can employees easily submit receipts and expenses? Yes! Employees can snap a photo of their receipt or forward it via email, and BILL automatically matches it to the correct transaction, simplifying reimbursement. ### Does BILL integrate with my accounting software? BILL integrates seamlessly with tools like QuickBooks Online, NetSuite, and Xero, syncing transaction data and expense categories automatically to keep your books accurate. ### What types of expenses can be managed with BILL's company card? From [travel](https://www.bill.com/learning/business-travel-expenses) and meals to software subscriptions and [vendor payments](https://www.bill.com/blog/vendor-payment-process), BILL makes it easy to track all types of [business expenses.](https://www.bill.com/learning/expense) You can even issue physical or virtual cards for specific teams or projects. ### How does BILL Spend & Expense help with audit readiness? Every transaction includes [receipts](https://www.bill.com/learning/expense-receipts), notes, and approval history, creating a complete audit trail, while maintaining compliance with accounting standards.