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 categoryPlus 1% on the rest of your eligible purchases.3
MarketingUse Meta, Google, TikTok, Pinterest, and many other platforms to promote your business.
FulfillmentSave on USPS, UPS, Flexport, Stamps.com, Shopify Shipping, the Shopify Fulfillment Network, and more.
WholesaleRestock 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 feesPay your full statement balance within the 1-month grace period to maximize your spending power.
Or pay over time from sales for a feeAfter 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 WorksBoost cash flow without leaving your admin
Apply with confidence and get a decision in minutes.
Log in to check eligibilityVirtual card on approval
Convenient business spending
No credit checksNo impact to your personal credit score, no guarantor.1
Performance-based credit limitsGet offers that evolve with your growing business.2
Shopify App Take Shopify Finance with you—anywhereOne app to manage your finances and business.
Pay everywhere Visa® cards are acceptedCover business expenses with Shopify Credit and enjoy the Visa® perks you love and expect.
Visa® Zero LiabilityBuy with peace of mind. Get built-in protection from fraudulent charges made with your card or account.
Extended purchase protectionReplace, repair, and get reimbursed if an eligible item is stolen or damaged within the first 90 days of purchase.5
Card replacementReport a lost or stolen card, get an emergency cash advance, or card replacement within 1 day after approval.6
Collision & damage waiverGet instant coverage for auto rentals, including physical damage, theft, towing, and loss-of-use charges.
Travel & emergency assistanceAccess a multilingual call center 24/7 for medical and legal referrals, emergency transportation, and more.
ID NavigatorStay on top of potential threats to your identity and act quickly if the unexpected happens, powered by NortonLifeLock™.7
Getting started with Shopify CreditLearn more about cardholder benefits, how payments work, and get tips on using your new Visa® business card.
Line of credit vs. credit cardDive into what makes each of these credit types unique and see what works best for your business.
Business credit cards: How to chooseNeed help picking a business credit card? Get expert advice on evaluating potential credit cards.
More from Shopify Finance Designed to work with Credit Shopify BalanceThe financial account built to support your business with faster payouts and more rewards.
Shopify CapitalFast funding designed to support every stage of your business growth.
Shopify Bill PayAn efficient way to schedule, pay, and manage business expenses without subscription fees.8
Frequently asked questionsUnlike 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:
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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