What is Shopify Credit?
Shopify Credit is a revolutionary business credit card designed for eligible US merchants to manage their day-to-day working capital, smooth out cash flow, and maximize rewards. It uniquely combines ease of use with robust financial benefits, helping merchants grow their businesses without the typical hassles of traditional credit cards.
Why Choose Shopify Credit?
Shopify Credit simplifies financial management for merchants, offering key benefits that cater specifically to business owners:
- No fees or interest: Pay in full with zero hidden costs.
- Cashback rewards for entrepreneurs: Earn rewards on key spending categories tailored to your business needs.
- More time to pay: Get extra days to manage payments effectively.
- No personal credit checks or guarantors: Shopify Credit focuses on your business's health, not your personal credit score.
- Free cards for your team: Empower your entire team with additional cards at no extra cost.
- Exclusive Visa perks: Enjoy added benefits wherever Visa® is accepted.
How Does Shopify Credit Work?
Eligible merchants can apply for Shopify Credit with no impact on their credit score. Once approved, you’ll receive a credit line to pay for expenses wherever Visa® is accepted. Cashback rewards accrue automatically and are applied as statement credits each month, so you can focus on growing your business instead of worrying about complicated reward systems.
Who Is Eligible?
At this time, Shopify Credit is not available to merchants with active Shopify Capital financings. Similarly, merchants using Shopify Credit are not eligible for Shopify Capital. However, our team is actively working to expand these options in the future to provide greater flexibility for all merchants.
Learn More
Ready to take control of your business finances with Shopify Credit? Visit the Shopify Help Center to learn more and see if you qualify.