# Business spending that pays you back

Earn rewards built for the way you spend and take advantage of flexible redemption options that put money back in your pocket.

## Request a live demo

We’ll show you exactly how BILL can help your business.

**I'm with a(n):**
- Business Type: Small or midsize business, Accounting Firm

**Which accounting software do you use?**
- QuickBooks Online
- QuickBooks Pro/Premier
- QuickBooks Enterprise
- Xero
- NetSuite
- Intacct
- MS Dynamics
- Acumatica
- Blackbaud
- SAP
- Sage (200/300/ERP)
- Freshbooks
- QuickBooks for Mac
- Quicken
- Sage 100
- Sage 50
- Thomson Reuters
- Yardi
- Other
- None
- I don't know

Select your MS Dynamics solution:
- MS Dynamics GP
- MS Dynamics 365 Business Central
- MS Dynamics (AX, NAV, SL, 365 F&O)

## How to start earning BILL rewards?

Stay ahead from the start. BILL Spend & Expense is free to use and there’s no initiation fee, monthly fees, or hidden fees.

### Earn points and maximize your rewards

**Control**
Pay off your balance more frequently and earn up to 7x points.

**Unlimited earnings**
Earn rewards points on every qualifying transaction.*

**Effortless management**
Track and redeem your points with our easy-to-use rewards dashboard.

| Billing Cycle | Weekly | Semi-Monthly | Monthly |
| --- | --- | --- | --- |
| Restaurants | 7x | 4x | 2x |
| Hotels | 5x | 3x | 2x |
| Recurring Software Subscriptions | 2x | 1.75x | 1.5x |
| Everything Else* | 1.5x | 1x | 1x |

## Frequently asked questions

### How are rewards points calculated?
Reward points are calculated by awarding a point multiplier for each dollar spent on eligible BILL Divvy Card transactions* in an account.

### What are my rewards redemption options?
Rewards provides four redemption options:
1. **Cash Back**: Amount is sent to your bank account via ACH or mailed via check.
2. **Statement Credit**: Amount is applied as an adjustment on your next monthly statement.
3. **Gift Cards**: Amount can be used for gift cards to various brands and stores.

### What cardholder benefits are available to me?
Beyond the rewards and cashback, the BILL Divvy card offers all the cardholder benefits associated with the Visa Signature Business card program.

### How do I retain my rewards?
To retain your earned rewards in any month, you must spend at least 30% of your credit line for that month.

### When can I redeem my rewards?
After 12 months of having a BILL Spend & Expense account, you can begin redeeming rewards as long as you have accrued at least 5,000 points.

## Get started today

Unlock the power of smart spending with BILL and reap the rewards.