Square Credit Card

The simpler way to spend

Check for offers

Credit Card offers are invite-only for eligible Square sellers. Sign up

Do less
money mapping

A single place for all your financial management tools, now including your business credit card. No need to learn a new app or create a new log in — pay off your card from the same Square system where you take payments, view your balance, save for taxes, and more.

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Save on
Square fees

A rewards system designed to help you put more money back into your business. Earn free processing every time you spend with the Square Credit Card. And never pay a fee for late payments, annual renewals, or anything else.

credit-card - Square Card next to Square App (desktop)

credit-card - Square Card next to Square App (mobile)

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Free up
your cash flow

No more waiting for money to come in before you stock up on supplies or fill up the gas tank. Your credit limit is based on the sales you process with Square, so you have access to the right amount of cash for whatever you’re cooking up.

Nothing complicated about it

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credit-card - PD05483-value-card-custom-credit-limit-iconCustom credit limit

credit-card - PD05483-value-card-zero-fees-desktop

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credit-card - PD05483-value-card-zero-fees-iconZero fees

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credit-card - PD05483-value-card-easy-application-iconEasy application

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credit-card - PD05483-value-card-no-impact-credit-score-iconNo impact to credit score

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credit-card - PD05483-value-card-quick-approvals-iconQuick approvals

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credit-card - PD05483-value-card-fraud-protection-iconFraud protection

credit-card - PD05483-value-card-automatic-repayments-desktop

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credit-card - PD05483-value-card-automatic-repayments-iconAutomatic repayments

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credit-card - PD05483-value-card-sleek-card-mobile

credit-card - PD05483-value-card-sleek-card-iconA sleek, metal card

Move at the pace of your business, not the pace of your money
Explore banking tools

Move at the pace of your business, not the pace of your money Explore banking tools


  • Can I still get a loan from Square if I open a credit card account?

    If you have an active Square Credit Card, you won’t be eligible for a Square Loan. If you have a current loan with Square, or an active loan offer, you won’t be eligible for a Square Credit Card.

  • How do I make a payment?

    You’re able to make a payment for your Square Credit Card anytime on your Square Dashboard.

    To make a payment online:

    1. Go to the Balances section of your Square Dashboard
    2. Click on Make a Payment and choose how much you want to pay by using the slider.
    3. Review your payment and select Pay.
    4. Then select Done.

    When will my payment post?

    When you make a payment toward your Square Credit Card, your payment will be posted immediately. You can reference any payments made on your Square Dashboard.

  • What is the interest rate?

    Interest is the cost of borrowing money, expressed as an Annual Percentage Rate (APR). If you carry a balance from one billing cycle to the next, you’ll pay interest on that balance and on new purchases from the date of purchase. If you repay the entire carried balance, you’ll gain a new grace period at the start of your next billing cycle and won’t be charged any interest.

    Your interest rate can go up or down if you have significant changes in your Square sales. You can find the interest rate of your Square Credit Card in your Square Dashboard. If your interest rate changes, you will receive an email letting you know.

  • Are there any fees?

    There are no fees with the Square Credit Card — no late fees, no annual fees, no foreign transaction fees. No other fees.

  • What happens if I miss a payment?

    If you miss a monthly minimum, a small percent of your daily card sales will be deducted until your minimum payment amount is met.

  • How will applying impact my credit score?

    Square Credit Card will not affect your personal or business credit score — not when you apply for a card, and not even when you miss a minimum payment.

  • Where can I use the Square Credit Card?

    You can use your Square Credit Card anywhere that American Express (AMEX)® is accepted.

  • How do I become eligible?

    Square Credit Card offers are invite-only for Square sellers who meet a number of criteria. To become eligible, you’ll first need to start selling with Square. Then, we’ll send you an invitation when you meet the rest of the criteria.

  • How is my credit limit determined?

    Your credit limit is determined by your history with Square and is based on a number of factors, including your Square processing volume.

Keep your business moving with the Square Credit Card

Check for offers