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Square Credit Card The credit card that knows your business — and works for it.

Unlimited 1.5% cash back

No fees, ever

Credit that grows and works with you

More control over your cash flow

Earn rewards with every purchase
Pay zero fees
Manage everything inside Square
Access your financial cushion anytime
Earn rewards with every purchase

Keep more of your money

Earn unlimited 1.5% cash back, no limits, no categories. Deposit it into Square Savings to earn 3.50% APY on qualifying balances, redeem as a statement credit, or as free processing.


Pay zero fees

Pay zero fees

No fees, ever. No annual, late, hidden, foreign transaction, or other fees.

Manage everything inside Square

Built to grow with your Square Business

Credit that grows with your sales, and can repay itself automatically. Your credit limit scales with your Square sales. You can choose to assign a portion of each day's sales toward your balance. Square handles the rest.



Access your financial cushion anytime

Pay bills, your way

Pay rent, suppliers, utilities, and other bills. You can also use your Square Credit Card as your payment method, even when vendors don't accept cards.

Manage everyday expenses effortlessly

Apply in minutes

Complete your application in a few taps, and start using your digital card right away if approved.

Stand out with a sleek metal card

Your Square Credit Card is customized with your business name on it. With built-in fraud and purchase protection, your card is secure.

Spend on anything your business needs

Top off the gas tank, stock up on supplies, cover unexpected repairs, and more — anywhere American Express is accepted.

Get your money moving at your speed

Pay your Square Credit Card bill instantly

Get fast access to working capital

Manage all your money tasks in the same place

FAQ

  • 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 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:

    • Go to the Balances section of your Square Dashboard.

    • Click on Make a Payment and choose how much you want to pay by using the slider.

    • Review your payment and select Pay.

    • 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

  • 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 percent of your daily card sales will be deducted until your minimum payment amount is met.

  • Where can I use the Square Credit Card?

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

  • 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

Learn about new features and hear stories from other Square cardholders.

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Square, the Square logo, Square Financial Services, Square Capital, and others are trademarks of Block, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Block, Inc.

Square Capital, LLC is a wholly owned subsidiary of Block, Inc., d/b/a Square Capital of California, LLC in FL, GA, MT, and NY. Block, Inc. and Square Capital, LLC are not banks. Square Credit Cards are issued by Celtic Bank pursuant to a license from American Express, and may be used wherever American Express is accepted. If approved, APR may vary based on creditworthiness and other factors. Subject to credit approval.