Shopify Credit

Earn cashback.
Maximize cash flow.
Pay your way.

A pay-in-full Visa® card with the flexibility your growing business needs.

Don’t have a Shopify store? Start one for free.
Eligible applicants get a decision in minutes and a virtual card on approval.1

A smartphone displays a virtual Shopify Credit Visa® Business card and recent transactions.
No credit checks or impact to your personal credit score1
Get tailored credit limits that scale with your business2
Earn up to 3% cashback rewards on eligible expenses3
Choose from 2 convenient ways to pay4

Cashback Rewards

Earn up to 3% cashback on your top spend category

Plus 1% on the rest of your eligible purchases.3
A Black male Shopify merchant with a beard and short hair sits at a desk, smiling while looking at a computer monitor. He is wearing a dark green t-shirt. In the background, there's a blurred figure of a person walking past him.

Marketing

Use Meta, Google, TikTok, Pinterest, and many other platforms to promote your business.
Close-up of hands applying a shipping label to a cardboard box with shoes and laptop in the background.

Fulfillment

Save on USPS, UPS, Flexport, Stamps.com, Shopify Shipping, the Shopify Fulfillment Network, and more.
Person with phone in hand reaching for a labeled box on crowded warehouse shelves.

Wholesale

Restock and refresh your inventory with Faire (and more wholesale options coming soon).

We use Shopify Credit for Google Ads. No other card gives us this much cashback on our marketing spend.

Tacoma Bike

Sandeep Nain — Founder

Payment Options

Two convenient ways to pay

Take up to 10 months to pay your statement balance—the sooner you pay, the more you save.
A Shopify Credit card against green marble background. UI showing options to pay monthly with no fees or pay over time for a fee.

Pay monthly to skip fees

Pay your full statement balance within the 1-month grace period to maximize your spending power.

Or pay over time from sales for a fee

After the 1-month grace period, pay off your balance from daily sales and get discounts for paying in full before the due date.
Visit Help Center

How It Works

Boost cash flow without leaving your admin

Apply with confidence and get a decision in minutes.
Log in to check eligibility
Virtual card on approval
Convenient business spending
A user interface graphic highlighting displays a Shopify Credit offer for a merchant's business. At the top, a box displays the title "Credit" with a description stating, "Your store is eligible to apply for a credit limit of up to $50,000 each month." The background is a light, neutral color.

No credit checks

No impact to your personal credit score, no guarantor.1
A line graph illustrating performance-based credit limits. A label at the top of the line shows a credit limit of $25,000 over several months from May to October, with a green line indicating growth.

Performance-based credit limits

Get offers that evolve with your growing business.2
A mint green Shopify Credit card sits on top of a black leather wallet on a white surface with plant shadows. The card features the black Shopify logo in the upper left corner and "VISA Business" branding in the lower right corner.

No annual fees

No foreign transaction fees, no card replacement fees.4

Shopify App

Take Shopify Finance with you—anywhere

One app to manage your finances and business.
App StoreGoogle Play Store
A white Shopify merchant with long silver hair wearing a stylish green blazer and a light-colored blouse stands holding a smartphone. To the left, a QR code is displayed with the text "Scan to download" beneath it.

Pay everywhere Visa® cards are accepted

Cover business expenses with Shopify Credit and enjoy the Visa® perks you love and expect.

Visa® Zero Liability

Buy with peace of mind. Get built-in protection from fraudulent charges made with your card or account.

Extended purchase protection

Replace, repair, and get reimbursed if an eligible item is stolen or damaged within the first 90 days of purchase.5

Card replacement

Report a lost or stolen card, get an emergency cash advance, or card replacement within 1 day after approval.6

Collision & damage waiver

Get instant coverage for auto rentals, including physical damage, theft, towing, and loss-of-use charges.

Travel & emergency assistance

Access a multilingual call center 24/7 for medical and legal referrals, emergency transportation, and more.

ID Navigator

Stay on top of potential threats to your identity and act quickly if the unexpected happens, powered by NortonLifeLock™.7

Shopify Credit

Add more green to your wallet

Eligible applicants get a decision in minutes and a virtual card on approval.1

Don’t have a Shopify store? Start one for free.

Resources

Getting started with Shopify Credit

Learn more about cardholder benefits, how payments work, and get tips on using your new Visa® business card.
Read post 

Line of credit vs. credit card

Dive into what makes each of these credit types unique and see what works best for your business.
Read post 

Business credit cards: How to choose

Need help picking a business credit card? Get expert advice on evaluating potential credit cards.
Read post 

More from Shopify Finance

Designed to work with Credit

Shopify Balance

The financial account built to support your business with faster payouts and more rewards.

Shopify Capital

Fast funding designed to support every stage of your business growth.

Shopify Bill Pay

An efficient way to schedule, pay, and manage business expenses without subscription fees.8

Frequently asked questions

What is a pay-in-full card?

Unlike most traditional credit cards that charge monthly interest, allow you to make minimum payments, and carry a balance without a defined repayment due date, a pay-in-full card requires you to pay your statement balance on or before the statement's due date.

Shopify Credit is a pay-in-full business card that requires you to pay your monthly statement in full within 10 calendar months from the end of the statement period, for a fee. If you pay your full balance within the first month of your statement period, there are no fees.

How do I apply for Shopify Credit?

Shopify Credit is available to eligible Shopify merchants. Log in to check your eligibility. Most merchants with an offer to apply for Shopify Credit will get a decision in minutes. Offers to apply are not a guarantee that your application will be approved.

If you started the application process for or currently have Shopify Capital funding, you are not eligible to apply for Shopify Credit at this time. If you have an existing Shopify Capital offer that is not yet accepted and you apply for Shopify Credit, your Capital offer will be regenerated depending on eligibility. Learn more about the requirements and application process for Shopify Credit.

How is my credit limit determined?

Unlike many business credit cards that use credit scores to determine your credit limit, Shopify Credit bases your limit on your business performance and other factors.

If you’re not currently using Shopify Credit, check the Finance page in the Shopify admin to see if you’re eligible. For merchants already using Shopify Credit, we review your account every 6 months and may offer you a credit limit increase as your sales grow, if you're eligible. Offers are subject to change.

How does cashback work?

Cashback is calculated every month on eligible business purchases from three categories: marketing, fulfillment, and wholesale. Eligible purchases in your top spend category earn 3% cashback on up to US$250,000 per year, after which the top spend category will earn 1% for the rest of the year. Purchases in the other two categories earn 1%. Cashback is automatically applied as a statement credit when your monthly statement is generated. Learn more about Rewards Program Terms.

What are my payment options?

With Shopify Credit, you can make a manual payment at any time, but you are committed to the following auto-pay terms defined in your agreement:

  1. Monthly payments is the default auto-pay setting. That means, if you do not change your auto-pay setting, your linked bank account will be debited your full statement balance within the first calendar month of your payment period.
  2. Payments from daily sales begin when there’s a remaining account balance for any reason after the first calendar month of your payment period. A one-time fee based on your remaining balance will be debited from your linked account followed by automatic payments from a percentage of your daily sales each business day until your balance is paid in full.

Learn more about payment options.

Are there any fees?

There are no setup fees, annual fees, foreign transaction fees, card replacement fees, or fees for additional cards.

Remaining balance fee: There is a one-time fee applied to any account with a remaining balance after the first calendar month of your payment period. This fee signifies the transition to automatic payments from daily sales.

Monthly late fees: Failure to pay your full statement balance within 10 months will result in a 2% monthly late fee applied to past-due balances.

All fees are automatically debited from your linked bank account. Learn more about fees.

How do fee discounts work?

You may qualify for a refund or discounted fee after the one-time fee is applied for transitioning to ‘payments from daily sales’. Fee discounts are eligible for early repayment within the 10 month payment period. Any refunds are deposited back into your Credit account.

Check your Credit account in the Shopify admin at any time to see if you’re eligible for a fee discount.

  • Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms.
  • 1.Eligibility is determined by various factors, including business performance, which does not include credit score. Most eligible merchants will receive a decision within minutes, and if approved will receive a virtual card. Find out how to get your physical card in 5-7 business days.
  • 2.Periodic reviews will be conducted to assess qualification for credit limit increases. If eligible, you have the option to accept the increase at your discretion.
  • 3."Cashback" refers to rewards earned as a percentage discount on eligible purchases. Earn 3% cashback as a statement credit on up to US$250,000 of annual eligible purchases in your monthly top spend category—either marketing, fulfillment, or wholesale, and 1% cashback thereafter. Earn 1% cashback on the other two spend categories. Restrictions apply. See Rewards Program Terms for details.
  • 4.Shopify Credit is a pay-in-full card. By default, you are opted in to paying your full statement balance by an automatic debit from your designated bank account within 1 month to avoid fees. You have the option to switch to making daily payments from your sales and take up to 10 months to pay your full statement balance, for a fee. If payment is not received in full within 10 months, a 2% monthly late fee will apply to your past-due balance.
  • 5.$10,000 maximum per claim and $50,000 maximum per cardholder. Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered Shopify Credit card to secure transactions. See Visa® Guide to Benefits for more details.
  • 6.Contact a Visa® Global Customer Care Services associate at 1-800-847-2911, or call one of their toll-free numbers. They will work with you and your financial institution for approval and Visa® will arrange a convenient location for you to collect the emergency cash, or direct delivery of your card to you or a collection location.
  • 7.To confirm your eligibility for ID Navigator powered by NortonLifeLock™, visit www.cardbenefitidprotect.com.
  • 8.Shopify Bill Pay has no subscription fees. Other transaction fees may apply.