Top 7 Best Credit Card to Use with Shopify in 2025

Power Up Your Shopify Profits with the Right Credit Card

Choosing the best credit card for your Shopify business can significantly impact your profitability. This list of the 7 best credit cards to use with Shopify in 2025 helps you maximize rewards, manage expenses, and improve your cash flow. We'll cover the pros and cons of top options like the Shopify Balance Card, Chase Ink Business Unlimited, American Express Blue Business Cash, Capital One Spark Cash Plus, Brex Card, Stripe Corporate Card, and American Express Business Gold Card. Find the perfect card to boost your Shopify success.

1. Shopify Balance Card

If you're looking for the best credit card to use with Shopify, the Shopify Balance Card is a strong contender, especially if you prioritize seamless integration and instant access to your funds. This business card is designed specifically for Shopify merchants and links directly to your Shopify store, allowing you to manage your business finances within a single platform. It offers a convenient way to access your Shopify revenue immediately after a sale, eliminating the waiting period often associated with traditional bank transfers. This makes reinvesting in your business or covering expenses incredibly quick and easy.

The Shopify Balance Card isn't just about accessing funds; it also offers cashback rewards on eligible business-related purchases, putting money back into your pocket as you grow your business. And unlike many other business cards, there are no monthly fees or minimum balance requirements to worry about, making it a cost-effective choice for businesses of all sizes. You can opt for a virtual card for online transactions or request a physical card for in-person purchases, giving you flexibility in how you manage your spending. Real-time transaction updates within your Shopify dashboard provide a clear overview of your finances, further simplifying your accounting processes. Want to learn more about maximizing the benefits of your Shopify store? Learn more about Shopify Balance Card.

One of the key advantages of the Shopify Balance Card is its specific design for Shopify sellers. This tight integration provides unparalleled convenience in managing your store's finances. You can see your sales revenue reflected in your Balance account almost instantly, simplifying cash flow management. While it offers cashback on business expenses (up to 2%), it's worth noting that the rewards program isn't as robust as some premium business credit cards. It also offers more limited banking features compared to a traditional business account. If you require advanced banking services, you might consider supplementing the Shopify Balance Card with a separate business account. However, for its intended purpose—streamlining financial management within the Shopify ecosystem—the Shopify Balance card excels.

Pros:

• Designed specifically for Shopify sellers
• Cashback on business expenses (up to 2%)
• No annual fee
• Real-time transaction updates in Shopify dashboard

Cons:

• Only available to Shopify merchants
• No robust rewards program compared to premium business cards
• Limited banking features compared to traditional business accounts

Shopify Balance Card Website

2. Chase Ink Business Unlimited

The Chase Ink Business Unlimited is a strong contender for the best credit card to use with Shopify, thanks to its straightforward rewards program and lack of annual fee. This card offers unlimited 1.5% cash back on every purchase, making it a great choice for Shopify store owners who have diverse spending habits and don't want to worry about bonus categories. Whether you’re paying for Facebook ads, purchasing shipping supplies, or covering your Shopify subscription, you’ll consistently earn the same rate of return. This simplicity can be particularly valuable for new businesses still figuring out their spending patterns. This card also frequently offers a substantial welcome bonus (typically $750 cash back after meeting spending requirements), giving your business a nice initial boost.

For Shopify entrepreneurs, this means you can earn cash back on everything from your monthly Shopify fees and app subscriptions to marketing expenses and inventory purchases. The 0% intro APR on purchases for 12 months can also be helpful for managing initial startup costs or investing in inventory without accruing interest. Free employee cards make it easy to delegate spending and track expenses, while purchase protection and extended warranty benefits add extra value to your purchases. The card also integrates seamlessly with the Chase Ultimate Rewards program, offering more redemption options down the line. Learn more about Chase Ink Business Unlimited and how strategies like driving traffic can benefit your Shopify store.

While the Chase Ink Business Unlimited is a great all-around card, it's important to weigh the pros and cons. While the 1.5% cash back is consistent, other business credit cards offer higher rewards rates in specific spending categories like advertising or shipping. If your Shopify business heavily focuses on one or two spending categories, a category-specific card might yield greater rewards. The card also carries a 3% foreign transaction fee, which can impact businesses that frequently make international purchases. Finally, the Chase Ink Business Unlimited requires good to excellent credit for approval.

Key Features:

• Unlimited 1.5% cash back: Earn consistent rewards on all purchases.
• Substantial welcome bonus: Jumpstart your earnings with a generous bonus offer (typically $750).
• 0% intro APR: Manage initial investments and cash flow without accruing interest for the first 12 months.
• No annual fee: Enjoy the benefits without ongoing costs.
• Chase Ultimate Rewards integration: Access more redemption options.

Pros:

• Simple and predictable rewards structure.
• No annual fee.
• Generous welcome bonus.
• Useful purchase protections.

Cons:

• Lower rewards than category-specific cards.
• 3% foreign transaction fee.
• Requires good to excellent credit.

Website: https://creditcards.chase.com/business-credit-cards/ink/unlimited

3. American Express Blue Business Cash

The American Express Blue Business Cash Card is a strong contender for the best credit card to use with Shopify, especially for businesses prioritizing straightforward cash back rewards. This card shines with its uncomplicated 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% thereafter. This eliminates the need to track spending across different categories, allowing you to focus on growing your Shopify store rather than maximizing credit card rewards. This simplicity is invaluable for busy Shopify merchants juggling multiple tasks.

For new Shopify businesses or those anticipating significant upfront investment in inventory and marketing, the 0% intro APR on purchases for 12 months can be a game-changer. This interest-free period can free up crucial cash flow during the critical early stages of your business or when scaling up. The Expanded Buying Power feature, which allows spending above your credit limit, also offers flexibility, especially helpful for covering unexpected expenses or stocking up on inventory during peak sales seasons. Consider this: a sudden surge in demand for your product could require you to quickly purchase additional stock, and the Expanded Buying Power ensures you won’t miss out on those sales opportunities.

This card also integrates seamlessly with American Express’s robust business management tools, providing a streamlined platform for tracking expenses, managing your account, and generating reports. These tools can be particularly valuable for Shopify merchants who want a clear overview of their business finances. Think of it as another tool in your arsenal, complementing your Shopify dashboard to offer a comprehensive financial picture. While there's no welcome bonus currently offered with this card, the high consistent cash back and other features make it a worthwhile consideration. The 2% cash back is applied automatically as statement credits, simplifying reward redemption.

However, the 2% cash back rate is capped at $50,000 in purchases annually. If your Shopify store generates a high volume of transactions exceeding this amount, the 1% cash back on subsequent purchases might be less appealing. Additionally, a 2.7% foreign transaction fee applies, which is a factor to consider if you source products or conduct business internationally.

Pros:

• Higher flat cash back rate (2%) than many competitors
• No annual fee
• Expanded Buying Power for inventory purchases
• Strong business management tools
• 0% intro APR for 12 months

Cons:

• 2% cash back capped at $50,000 in purchases annually
• No welcome bonus sometimes
• Foreign transaction fees (2.7%)

If you're looking for ways to boost your sales on Shopify, check out this helpful resource: Learn more about American Express Blue Business Cash. This card is an excellent choice for Shopify merchants seeking a no-fuss, high-cash-back rewards card for their day-to-day business expenses. You can apply for the American Express Blue Business Cash Card at https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-cash-card-amex/30214/.

4. Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a powerful charge card designed for businesses with significant expenses, making it a strong contender for the best credit card to use with Shopify, especially for high-volume sellers. This card shines with its straightforward, unlimited 2% cash back on every single purchase, without any category restrictions or spending caps. This predictable cash back structure makes it easy to forecast your rewards and reinvest them back into your Shopify business. Imagine consistently earning 2% back on everything from your Shopify subscription fees and marketing campaigns to inventory purchases and shipping costs.

For Shopify businesses processing large transaction volumes, the flat 2% cash back can quickly add up. This makes the $150 annual fee more palatable, especially when considering the additional perks. If your Shopify store generates over $200,000 in annual spending, you'll receive a $200 cash bonus, effectively negating the annual fee and adding even more value. Since the Spark Cash Plus is a charge card, it doesn't have a preset spending limit. This flexibility can be a game-changer for Shopify merchants who need to make large inventory purchases or handle fluctuating sales volumes. This lack of a preset limit allows you to scale your purchases based on your business needs without worrying about hitting a credit limit, although responsible spending habits are still crucial.

Another benefit that resonates with Shopify sellers working with international suppliers is the absence of foreign transaction fees. This eliminates extra costs when sourcing products or services from overseas, further optimizing your profit margins. Free employee cards with customizable spending controls allow you to delegate purchasing power while maintaining oversight of your business expenses. This feature simplifies accounting and streamlines financial management for your Shopify operation.

However, it's important to be aware of the responsibilities that come with a charge card. The Capital One Spark Cash Plus requires full payment each month, so disciplined financial management is a must. It also requires excellent credit for approval and doesn't offer an introductory APR. If you're just starting your Shopify journey and haven't yet established a strong credit history, this card might not be the right fit.

Key Features:

• Unlimited 2% cash back: On all purchases with no caps.
• Annual $200 cash bonus: When you spend $200,000+ annually.
• No preset spending limit: Flexibility for inventory purchases.
• Free employee cards: With spending controls.
• No foreign transaction fees: Ideal for international suppliers.

Pros:

• Consistent and predictable cash back rewards.
• Potential for annual bonus negating the annual fee.
• Spending flexibility with no preset limit.
• Streamlined expense management with employee cards.
• No foreign transaction fees.

Cons:

• $150 annual fee.
• Requires excellent credit.
• Requires full payment each month.
• No intro APR offer.

Website: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/

The Capital One Spark Cash Plus is best suited for established Shopify businesses with strong revenue and a need for high spending power. If your business model involves substantial monthly expenses and you prioritize a simple, high-yield cash back program, this card deserves serious consideration. However, ensure you can comfortably handle the monthly payment requirement before applying.

5. Brex Card

The Brex Card stands out as one of the best credit cards to use with Shopify, particularly if you're running a fast-growing e-commerce business. It's designed specifically for online retailers and offers tailored rewards that can significantly benefit Shopify merchants. Instead of focusing on personal credit scores, Brex assesses your business's cash flow to determine credit limits, offering potentially higher limits than traditional business cards. This makes it a powerful tool for scaling your Shopify store and managing expenses effectively. Learn more about Brex Card for additional insights into promoting your online store, a critical aspect of leveraging your Brex rewards effectively.

One of the key advantages of the Brex Card is its rewarding points system geared towards e-commerce operational costs. You can earn up to 8x points on rideshare services (useful for meeting clients or attending industry events), 5x on travel, 4x on restaurants (client dinners, team lunches), a valuable 3x points on software subscriptions (crucial for Shopify apps and other SaaS tools you're likely using), and 1x on all other purchases. This structure ensures that you're maximizing rewards on expenses directly related to running your Shopify business.

Furthermore, Brex integrates seamlessly with popular accounting software like QuickBooks and Xero, streamlining your financial management. The built-in expense management tools provide a centralized platform to track and categorize your spending, simplifying bookkeeping and providing valuable insights into your business finances. This is essential for any Shopify store owner looking to maintain a clear overview of their financials and optimize profitability.

Pros:

• Higher rewards on e-commerce relevant categories: Earn more points on the expenses you're already making for your online store.
• No personal credit check or guarantee required: Access higher credit limits based on your business's financial performance, not your personal credit history.
• Higher credit limits than traditional business cards: Fuel your Shopify store's growth with access to more capital.
• Powerful financial management tools: Integrate with existing accounting software and leverage built-in expense tracking features for a streamlined financial overview.

Cons:

• Requires maintaining a cash balance in a Brex Cash account: This might require adjusting your cash flow management strategy.
• Only available to corporations and LLCs (not sole proprietors): This card is not suited for all Shopify store owners, specifically those operating as sole proprietorships.
• Points are most valuable when redeemed through the Brex travel portal: While travel rewards are valuable, you'll get the most value by using the Brex travel portal, which might not suit all business needs.

Website: https://www.brex.com/cards/ecommerce/

The Brex Card earns its place on this list due to its specific focus on e-commerce needs. While it isn't suitable for every Shopify merchant (specifically sole proprietors), its robust features, high reward potential on relevant categories, and focus on business cash flow make it a powerful financial tool for scaling your online business. If you're running a corporation or LLC and are looking for a credit card tailored to the demands of e-commerce, the Brex Card is definitely worth considering. Remember to evaluate your current business structure and financial practices to determine if the Brex Card aligns with your specific Shopify store needs.

6. Stripe Corporate Card

If your Shopify store uses Stripe for payment processing, the Stripe Corporate Card is a natural choice. This card offers incredibly tight integration with your existing Stripe dashboard, streamlining your financial management. It offers a dynamic rewards program that adapts to your business's spending habits, giving you up to 2% back on purchases. Real-time expense tracking and management tools, designed specifically for the needs of online businesses like yours, help you keep tabs on your cash flow.

The Stripe Corporate Card shines in its ability to simplify financial administration for Shopify merchants already using Stripe. Imagine effortlessly reconciling your expenses within the same platform you use to manage your sales. This seamless integration is a major time-saver and simplifies bookkeeping significantly. The card also offers virtual cards for secure online transactions, providing an extra layer of protection against fraud, particularly important for businesses handling a high volume of online transactions. Plus, there's no annual fee or foreign transaction fees, making it a cost-effective solution. While the related blog post, Learn more about Stripe Corporate Card, focuses on social media integration for Shopify, understanding the broader ecosystem of tools available, including financial management options like the Stripe Corporate Card, is crucial for success.

One of the most compelling features is the dynamic rewards program. Unlike traditional cards with fixed reward categories, the Stripe Corporate Card analyzes your spending and tailors rewards based on where your business spends the most money. This means you're automatically maximizing your cashback potential without having to juggle different cards or bonus categories. Setting spending controls and limits in real-time helps you manage your budget effectively and prevent overspending.

Pros:

• Perfect integration with Stripe payment processing: Manage all your financials in one place.
• Customized rewards based on your spending patterns: Maximize cashback without any effort.
• Virtual cards for added security with online vendors: Protect your business from online fraud.
• No personal guarantee required for established businesses: Easier access to credit for growing companies.

Cons:

• Only available to businesses using Stripe for payment processing: This card is not suitable for businesses using other payment gateways.
• Credit limits may be lower for newer businesses: Established businesses generally have access to higher credit lines.
• Fewer additional benefits compared to premium business cards: May not offer travel perks or other premium benefits found in some business cards.

The Stripe Corporate Card earns its spot on this list because of its seamless integration with Shopify stores utilizing Stripe. This focused approach to financial management provides a significant advantage for businesses already within the Stripe ecosystem, allowing for streamlined operations and tailored rewards. Visit the Stripe website for more information and to apply.

7. American Express Business Gold Card

The American Express Business Gold Card is a premium option among the best credit cards to use with Shopify, especially for established businesses with significant spending. Its key strength lies in its 4X Membership Rewards points earning potential on your two highest spending categories each month. For Shopify merchants, these categories could easily be advertising costs (like Facebook or Google Ads) and shipping expenses, potentially maximizing your rewards in areas where you're already investing heavily. This allows you to turn essential business expenses into valuable rewards.

This card's flexibility makes it a strong contender for the best credit card to use with Shopify. Unlike cards with fixed bonus categories, the American Express Business Gold Card adapts to your spending patterns, ensuring you always earn top rewards where it matters most. Imagine one month your focus is on a large marketing push, and the next you're fulfilling a surge of holiday orders. This card automatically adjusts, maximizing your points earnings regardless of shifting priorities. Beyond the 4X points, the card offers 25% points back on eligible flights booked through Amex Travel, making it attractive for business owners who travel frequently. Access to Amex Business Loans can also provide helpful working capital, further streamlining your financial operations. Additional perks include purchase protection and extended warranty coverage, adding extra value to your purchases. The Pay Over Time option provides flexibility for managing larger expenses.

Features:

• 4X points on top 2 spending categories each month (up to $150,000 in combined purchases annually)
• 25% points back on eligible flights booked through Amex Travel
• Access to working capital through Amex Business Loans
• Purchase protection and extended warranty coverage
• Pay Over Time flexibility for eligible charges

Pros:

• Automatically earns 4X points on your top spending categories
• Valuable Membership Rewards points redeemable for travel or statement credits
• No foreign transaction fees
• Robust business management tools and protections

Cons:

• $295 annual fee
• 4X categories capped at $150,000 in combined purchases annually
• Higher value for business owners who can utilize travel rewards
• Requires excellent credit

Implementation Tip: After getting approved, analyze your Shopify expense reports to understand your typical top two spending categories. This will help you anticipate where your 4X points will apply. Regularly monitor your spending to ensure you're maximizing your rewards.

Comparison: Compared to other business cards offering fixed category bonuses, the American Express Business Gold Card provides more adaptability. While other cards might offer higher rewards on a specific category like office supplies, the Business Gold Card’s dynamic reward structure caters to the evolving needs of Shopify businesses whose spending patterns might fluctuate.

Website: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/30214/

In conclusion, the American Express Business Gold Card deserves its place on this list due to its dynamic rewards structure and valuable benefits. While the annual fee and credit requirements should be considered, its potential for maximizing points on core Shopify expenses like advertising and shipping makes it an excellent choice for established businesses seeking the best credit card to use with Shopify.

Top 7 Credit Cards for Shopify: Features Comparison

Card Name	Core Features & Benefits	User Experience ★	Value & Pricing 💰	Target Audience 👥	Unique Selling Points ✨
Shopify Balance Card	Instant Shopify fund access, cashback up to 2%, no fees	★★★★☆ Real-time updates	💰 No monthly fees, no min balance	👥 Shopify merchants only	🏆 Direct Shopify integration, virtual/physical
Chase Ink Business Unlimited	1.5% unlimited cashback, $750 sign-up bonus, 0% APR intro	★★★★☆ Simple rewards	💰 No annual fee	👥 Small-medium diverse spenders	✨ Generous welcome bonus, Chase Ultimate Rewards
Amex Blue Business Cash	2% cashback up to $50K/yr, statement credit, 0% APR intro	★★★★☆ Strong tools	💰 No annual fee	👥 Businesses with steady spend	🏆 Higher flat cashback, Expanded Buying Power
Capital One Spark Cash Plus	Unlimited 2% cashback, no spending caps, $150 fee	★★★★☆ High limits	💰 $150 annual fee	👥 High-volume spenders	✨ No foreign fees, charge card no preset limit
Brex Card	Up to 8x points on key e-commerce categories	★★★★★ Tailored rewards	💰 No personal guarantee	👥 E-commerce & LLC/corporations	🏆 No credit check, integrates with accounting
Stripe Corporate Card	Dynamic 2% rewards, Stripe integration, virtual cards	★★★★☆ Real-time controls	💰 No annual or foreign fees	👥 Businesses using Stripe	✨ Dynamic rewards, secure virtual cards
Amex Business Gold Card	4X points on top 2 spend categories, travel perks	★★★★☆ Premium experience	💰 $295 annual fee	👥 High spenders & travel users	🏆 High rewards capped, Pay Over Time flexibility

Maximize Your Shopify Success

Finding the best credit card to use with Shopify is crucial for managing your finances and maximizing profits. From the Shopify Balance Card's seamless integration to the robust rewards programs of the Chase Ink Business Unlimited, American Express Blue Business Cash, Capital One Spark Cash Plus, Brex Card, Stripe Corporate Card, and American Express Business Gold Card, each option offers unique advantages. The key is to choose the card that aligns with your specific spending patterns and business objectives. Consider factors such as transaction fees, cashback percentages, and any additional perks that could benefit your Shopify store.

If you're looking to expand your Shopify store and generate additional revenue streams, consider selling online courses. To learn more about effectively selling courses on Shopify, check out this comprehensive guide: how to sell courses on Shopify from Tevello.

Choosing the right financial tools is just one piece of the puzzle. Smart marketing strategies are also essential for growth. As you refine your financial processes with the best credit card to use with Shopify, remember to explore ways to optimize your marketing efforts. Streamlining your brand presence and making it easy for customers to connect with your offerings is vital. Want to simplify how you share all your important links and promotions in one place? LinkShop creates a centralized hub for your audience, driving more sales and enhancing your customer experience, complementing the efficient financial management you've achieved with the right credit card. Take the next step and explore how LinkShop can elevate your Shopify store today.