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Pay-in-full Visa® business card | Shopify Credit

Shopify Credit Earn cashback.
Maximize cash flow.
Pay your way.

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

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

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

Marketing

Use Meta, Google, TikTok, Pinterest, and many other platforms to promote your business.

Fulfillment

Save on USPS, UPS, Flexport, Stamps.com, Shopify Shipping, the Shopify Fulfillment Network, and more.

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.”

Sandeep Nain, Founder – Tacoma Bike

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.

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

No credit checks

No impact to your personal credit score, no guarantor.1

Performance-based credit limits

Get offers that evolve with your growing business.2

Shopify App Take Shopify Finance with you—anywhere

One app to manage your finances and business.

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

Getting started with Shopify Credit

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

Line of credit vs. credit card

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

Business credit cards: How to choose

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

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

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.

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.

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.

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$100,000 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

.

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.

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.

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.


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