Shopify Credit

Shopify Credit is an accessible, flexible, and affordable business charge card. By using Shopify Credit, you can streamline workflows and keep track of every day business expenses within the Shopify admin.

After setting up your Shopify Credit account, you're provided with immediate access to your credit line so that you can remain focused on growing your business. You can also do the following from your Shopify admin:

Shopify Credit requirements

To use Shopify Credit, you need to meet the following requirements:

  • A Shopify Payments account is required to use Shopify Credit.
  • Shopify Credit uses the same bank account that you've connected to Shopify Payments. If you need to change the account that you use with Shopify Credit, then change the bank account that you use with Shopify Payments.
  • Your Shopify Payments account must have a single owner.
  • Two-step authentication (2SA) is required to access all the features of Shopify Credit.
  • A valid US Social Security number (SSN) is required to set up your Shopify Credit account. Your SSN is used only to verify your identity. Your credit score is not affected.
  • Your store must be located in the United States or Puerto Rico. Other United States territories are not supported.
  • Your store must be on any Shopify plan other than Shopify Plus.

Apply for Shopify Credit and set up your account

When you receive a pre-qualified offer for Shopify Credit, you need to submit an application to open your account and gain access to your credit line.

Apply for Shopify Credit


  1. Review your personal information to ensure that it's correct, and then click Verify.
  2. Enter your SSN, and then click Confirm.
  3. Carefully review the agreement terms.
  4. Click Submit application.

After you submit your application, if approved, your account and virtual business card are created. To access your account and start using your card, finish setting up your account.

Complete account setup


  1. Review whether you have 2SA activated for your store. 2SA is required to access all the features of Shopify Credit, so if you aren't already using 2SA, then click Set up two-step authentication.
  2. Understand how payments are taken and review your connected bank account information. This is the same bank account connected to your Shopify Payments account.
  3. Click Next task.
  4. Optional: Add your virtual business card number to your mobile wallet. If you want to skip this step, then click Skip this task.
    1. Click View card numbers to reveal your card's number, expiry date, and CVV.
    2. Add your card information to your mobile wallet, and then click Next task.
  5. Optional: Order a physical Shopify Credit business card. If you want to skip this step, then click Skip this task.
    1. Enter your shipping information, and then click Next step.
    2. Click Order physical card.

Shopify Credit rewards

Earn cashback rewards when you use your Shopify Credit card for business purchases. Cashback will be applied to your monthly statements.

  • Earn 3% cashback on marketing spend
  • Earn 2% cashback on your Shopify bill when you set your Shopify Credit card as your payment method
  • Earn 1% cashback on all other business spend

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