7 best Divvy alternatives for restaurant card controls in 2026

Best for restaurant owners and groups that want Divvy-style card controls rebuilt around locations, vendors, receipts, entities, and accounting close.

Tab is built for restaurants, including multiple locations, multiple LLCs, multiple bank accounts, and restaurant financial flows. It keeps what operators liked about Divvy: free software, unlimited virtual and physical cards, and hard limits. It is used by 1,000+ restaurants, with no personal guarantees or credit checks required.

• The controls attach to your business, not a budget. Divvy asks "which budget is this from?" Tab asks "which employee, which location, which vendor, and where is the receipt?" The second set of questions is the one your accountant is paid to answer.
• Cards scope down to a single vendor. A card can be issued to a maintenance lead, office manager, or operations director, capped, and assigned to one location, several, or a specific vendor like Restaurant Depot.
• Receipts and location tags arrive at the swipe. The moment they swipe, Tab texts and emails them for the receipt, a note, and the location tag, and a single Restaurant Depot run can be split across stores.

For multi-entity groups, the important part is what happens later: spend can map to the right location, LLC, and bank account instead of forcing treasury cleanup after the statement closes.

Accounting handoff is restaurant-specific, too. QuickBooks teams can use the QuickBooks Online bank feed, while Restaurant365 groups can work with Tab on custom export files instead of forcing a generic CSV into close.

Andy AI broadens the story beyond cards by digitizing distributor invoices, reading line items, and surfacing price spikes, rebate opportunities, and contract issues.

Tab is also rolling out bill pay and AP automation through Andy AI/Tab Pro; treat that as a rollout, not a universal BILL replacement on day one.

Support is part of the product: Base includes live US-based human support, and Pro adds a dedicated Account Manager for rollout and close questions.

Rewards are flat cash, not a points balance with redemption rules: 1% cash back on Base. Tab also claims 10+ hours saved per month on accounting work with 85%+ higher accuracy.

That quote comes from Tab's card launch announcement. Rock Strategic runs 75+ units on Tab, and Heidi's Brooklyn Deli runs 8+ locations on it.

What you get on the free Base plan:

• Unlimited virtual and physical cards with custom limits
• Cards assignable by employee, location, and vendor
• Automated receipt capture by text and email, with location tags and splits
• QuickBooks and Restaurant365 handoff with virtual accounts
• Unlimited 1% cash back, no annual fee
• Live US-based human support

Pricing: Tab's Base plan is free: cards, receipt capture, the QuickBooks bank feed, virtual accounts, and live US-based human support. Pro is $150/month/location and adds Andy AI for invoice intelligence, purchasing analysis, and a dedicated Account Manager; groups with 5+ locations get custom pricing.

Best for: Any operation from one independent to a franchise group that hands cards to managers, operates across LLCs or bank accounts, or needs Restaurant365/QuickBooks handoff. If you are not running restaurants, BILL Spend & Expense or 1 of the 6 options below fits better.

Best for general finance teams that want spend automation everywhere.

Ramp is what spend management looks like when the customer is the CFO: cards, expense management, bill pay, procurement, and travel in one system, with automation that closes books fast.

Against Divvy: there is no pre-purchase budget gate to fight. Cards carry limits and policies, receipts collect over SMS and Slack, and QuickBooks and Xero sync sits on the free tier, with NetSuite and Sage Intacct on Plus. The catch is the meter: Plus runs $15/user/month billed annually plus a platform fee based on team size, which compounds when every shift lead needs a card. And Ramp thinks in departments, not locations and vendors.

Best for funded, multi-entity, or international hospitality groups.

Brex plays a different game entirely: global corporate cards, multi-currency accounts, and policy automation aimed at venture-backed and enterprise companies.

Against Divvy: both run on points rather than flat cash back, but Brex's tooling goes deeper. Essentials is $0/user/month and Premium is $12/user/month with live budgets and richer expense workflows. For a hospitality group with entities in 3 countries, Brex handles complexity Divvy never will. The mismatch is underwriting and audience. Brex favors funded, cash-rich companies, not the typical restaurant balance sheet, and nothing in the product knows what a distributor invoice is.

Best for receipt-and-reimbursement workflows with a card on the side.

Expensify attacks spend from the receipt side. SmartScan reads receipts, expense reports build themselves, reimbursements run on rails, and the Expensify Card adds 1% cash back, up to 2% on Control.

Against Divvy: it is the inverse philosophy. Divvy controls money before it leaves; Expensify documents it afterward. Teams whose pain is reimbursements and paper receipts, not card limits, often find Expensify the more natural shape. Read the pricing twice: Collect is $5 per unique member/month, billed for everyone in the workspace. Control is $9 per active member/month with an annual subscription and Expensify Card usage, $18 without the card, $36 pay-per-use (verified on Expensify's billing docs and G2's pricing listing, June 2026).

Best for teams whose spend problem is mostly travel.

Navan is not really a Divvy replacement; it is a travel program with expense management attached, and for the right team that is the point.

Against Divvy: travel booking, travel policy, and expense live in one system. Booking is free for companies up to 300 employees, funded by travel-provider commissions, and expense is free for the first 5 monthly expensing users, then $15/user/month (verified on Navan's pricing page, June 2026). In a restaurant company, that profile fits the franchise development team that lives on planes, not the store manager who never leaves the zip code.

Best for companies that want finance and HR under one roof.

Airbase now lives inside Paylocity, marketed as Paylocity for Finance, and that placement tells you who it is for: companies consolidating payroll, HR, and spend with one vendor.

Against Divvy: Airbase goes deeper than budgets, with AP automation, guided procurement, and corporate cards in one workflow. It is closer to a procure-to-pay suite than a card program. The tradeoff is weight. There is no public pricing, implementation is a project, and the product assumes an approval chain longer than "the owner said yes" (verified on Airbase and Paylocity pages, June 2026).

Best for teams that want expense automation on the cards they already carry. Formerly Fyle.

Sage Expense Management starts from a stubborn fact: some businesses are never giving up their existing bank cards. So it plugs real-time feeds into the Visa, Mastercard, and Amex cards you already have and collects receipts by text message.

Against Divvy: there is no card product and no credit line at all. You keep your banking relationships and add a software layer, the opposite of BILL's free-software-with-our-card bargain. Pricing is usage-led but annual: Growth at $11.99 per active user/month billed annually with a 5-user minimum, Business at $14.99 with a 10-user minimum, and custom enterprise plans at 250+ employees (verified on Sage Expense Management's pricing page, June 2026).