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Square Card: a better business debit card.

No more waiting on bank transfers—spend your money instantly with Square Card.

Square Card

Stay in control of your cash flow.

Square Card is a business debit card that gives you instant access to the money you process every day with Square, and you never pay monthly fees, sign-up fees, or annual fees.

Run your business in real time.

Get Square Card in your wallet fast

It’s free to order and takes two minutes to sign up—there are no credit checks or long-term commitments, either.


No waiting for your money

When you make a sale, your money goes straight to your Square Balance, and you can spend it instantly with your Square Card. Send money between your bank account and Square Balance with Square Transfers at any time.

Use it anywhere Mastercard® is accepted

You can use Square Card just like you would any other business debit card. There are no annual fees, minimum balance fees, overdraft fees, or other recurring fees.*

*Square will never charge you for ATM withdrawals, but ATM providers may charge you an ATM fee when you make withdrawals.

Keep tabs on everything

See what’s coming in and going out all in one place. Download Square Card transaction reports to view your expenses, which makes it easier to balance your books or file taxes.

Make it personal

A personalized signature and laser etching helps you stand out, so you can promote your small business every time you use your debit card.


Support Square sellers

Spend at other Square businesses in your community and get 2.75% off purchases made with your Square Card.

Use Apple Pay, Google Pay, and tap-to-pay

Square Card works with Apple Pay and Google Pay, so you can use your phone to pay online, in-app, or in person—or just tap your card to pay.

PD01352 - apple pay google pay badges

How it works.

1. Make a sale with Square and watch that money go directly into your Square Balance.

2. Spend that money instantly with Square Card— on anything your business needs—wherever Mastercard® is accepted.

3. Transfer money between your Square Balance and your external bank account whenever you want.


Square Card by the numbers:

Fees and Account Square Others
Service fee $0 $10–$16/month
Minimum balance required $0 $500–$5,000
Overdraft fees $0 $35/item
Minimum initial deposit $0 $25–$1,500
Monthly account service fee $0 $10–$16/month
ATM fee $0 charged by Square; ATM provider fees apply $0-$10
“When a client pays me, I can keep track of my expenses by using my Square Card. I just leave it in my Square Balance and spend down. That’s way better for me and easier than transferring money to a separate bank account.”

—Chef Andrea Lawson Gray, cofounder, Private Chefs of the SF Bay

No hidden fees, sign-up fees, or annual fees, with Square Card.

Don’t have an account with Square? Sign up today.


*Square Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted.

**Square Card is funded on a prepaid basis, and such funds are held for the benefit of Square Card cardholders by Sutton Bank. Square Card is not a bank account and Square Card funds are not FDIC-insured.