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.”
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.
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.
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
No annual fees
No foreign transaction fees, no card replacement fees.4
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
See if you’re approved in minutes with no impact to your personal credit score.1
Resources
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
The financial account built to support your business with faster payouts and more rewards.
Fast funding designed to support every stage of your business growth.
An efficient way to schedule, pay, and manage business expenses without subscription fees.8
Frequently asked questions
- 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$100,000 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.