- Short answer
- Business purchases only, anywhere Visa is accepted except prohibited categories; no cash advances, wire transfers or ATMs.
- Card type
- A business Visa charge card, not a consumer one; statutory and regulatory protections for consumers don't apply
- Cashback
- Only eligible business purchases from select providers in three categories earn it; other business purchases earn none
- Abroad
- Converted to USD with no foreign transaction fees; the bank may stop cards outside the US and Puerto Rico
Which purchases does a Shopify Credit card allow?
Shopify Credit is a business Visa charge card that any merchant allowing Visa transactions accepts, except prohibited categories. It doesn't permit transactions equivalent to cash, such as cash advances, money orders, wire transfers or gambling transactions, and the physical card can't be used at ATMs. The Shopify Credit Help pages and terms we read on October 10, 2026 don't fully list prohibited categories.
| What you're paying for | On the card? | Earns cashback? |
|---|---|---|
| Eligible business purchases from select providers in marketing and advertising, shipping and fulfillment, or wholesale | Yes | Yes |
| Other business purchases outside prohibited categories | Yes | No |
| Cash-equivalent transactions | No, not permitted | No |
| Personal, family or household purchases | No, ends your participation | No |
A purchase from a business or for an activity that Shopify Credit terms restrict is declined; that's not a locked card (see what looks like a lock and isn't).
Abroad, charges convert to USD with no foreign transaction fees, but the issuing bank reserves the right to stop cards working outside the United States and Puerto Rico; other US territories count as outside.
Can you use Shopify Credit for personal purchases?
The Program Terms limit the card to business purposes; it isn't a consumer charge card, and statutory and regulatory protections for consumers don't apply to the account or cards. The bank's terms add:
Any use of the Program for personal, family or household purposes shall result in immediate termination of these Issuing Bank Terms and your ability to participate in the Program.
Keep personal spending on a personal card, and hold staff cardholders to the same rule.
Which Shopify Credit purchases earn cashback?
Cashback comes only from eligible business purchases from select providers in the table's three categories. The Rewards Terms also exclude, among other things, cash-like transactions, betting and fees of any kind.
Some vendors, including Google or Meta in some cases, might not accept credit cards for certain merchants or ad accounts, so add the card in the vendor's billing settings before moving ad spend onto it.
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