Shopify Balance Cashback Rewards

Shopify Balance Cashback Rewards is sponsored by Shopify. Offers cashback rewards on eligible purchases made using the Shopify Balance account, with a maximum of $2,000 per year.

A financial account optimized for commerce | Shopify Balance - Shopify Shopify Balance is the all-in-one financial account built to support your business. Spend, save, transfer, receive, and earn with ease. Don't have a Shopify store?

Start one for free No account fees or minimum balance required 1 2% cashback on eligible Balance Visa® purchases 2 2. 29% daily earnings rate on every dollar 3 FDIC pass through insurance eligibility up to $250,000 4 The account optimized for commerce growth Receive store payouts up to 7 days faster than a bank. 5 Easily set aside sales tax and sync accounting software.

No monthly or same-day ACH transfer fees. 1 All accounts earn a cash incentive on their daily closing balance, even on weekends. Basic, Grow, and Advanced plans Basic, Grow, and Advanced plans This calculator is for illustrative purposes only.

It assumes no rate changes and that the account balance and all accrued earnings remain in Shopify Balance from year 1. Manage your money where you make it Use up to 6 free dedicated accounts to manage your business earnings, expenses, and savings—all in one place. Send free same-day ACH (by 1 pm ET), and budget like a pro with auto-transfer rules that split your payouts for you.

Get a comprehensive view of your financial health with dashboards, filters, and reports. Before Shopify Balance, my finances were all over the place. Shopify Balance helps streamline everything and keep my finances organized.

Trust your finances to the same partner that helps your business thrive. All Balance accounts are eligible for pass-through FDIC insurance up to $250,000. 4 Instant access to card locking Lock and unlock your cards on Shopify from your desktop browser or mobile app.

Receive SMS alerts to confirm or deny flagged transactions. Have questions about your account? Chat live with a support advisor at any time in the Help Center .

Smart spending for your business Power purchases with Balance Visa®—the only spending card directly connected to your store. Earn rewards for your business Get 2% cashback on business must-haves and exclusive partner perks to make every dollar go further. 2 Put payouts in your pocket Keep your business moving with a Balance Visa® card that's ready to spend—no transfers, no waiting.

Spend wherever Visa® is accepted Pay bills, make business purchases, and withdraw cash at thousands of ATMs worldwide.

1 Get more with Shopify Balance No monthly or same-day ACH transfer fees 1 Get paid as fast as the next business day 5 Automatically set aside sales tax $10+ average monthly fees Minimum balance may be as high as $5,000 In-person application that can take weeks to approve Payouts may take up to 7 business days Manual, complex tax integrations Exclusive features for Shopify Plus plans Balance adds even more value to your business when you're on Shopify Plus .

Every dollar in a Balance account earns 3. 31% seven days a week. 3 Access store profits in one business day by default, so you can start earning or spending ASAP.

5 Get daily transfer limits customized to your business, up to $500,000. 7 The account that keeps up with your business Don't have a Shopify store? Start one for free Get started with Shopify Balance Learn how to manage your Shopify Balance account, card, and mobile app.

How Shopify Finance supports growth Learn how Shopify Finance can help solve your biggest money challenges. 5 tips for business money management Get expert tips on streamlining money management for your business. More from Shopify Finance Designed to work with Balance A pay-in-full Visa® business card with up to 3% cashback on eligible expenses and 10 months to pay your statement balance.

8 An efficient way to schedule, pay, and manage business expenses without subscription fees. 9 Automated calculations, nexus tracking, and filing to take the stress out of sales taxes. Frequently asked questions Is Shopify Balance a bank account?

Shopify Balance is not a bank account—it’s a financial account optimized for commerce businesses. Balance is fully integrated with your store’s admin, giving you the tools you need to manage your money where you make it. With Balance, you get paid faster and avoid traditional bank fees.

Who is eligible for Shopify Balance? Shopify Balance is currently available to US merchants who use Shopify Payments. See all the requirements for opening a Balance account.

There are no monthly, annual, or ACH transfer fees. Shopify won't charge withdrawal fees, but ATM operators might. 1 When will my Shopify sales arrive in my Balance account?

If your store is on the Basic, Shopify, or Advanced plans, you can access your payouts within 5 business days—most merchants will receive payouts within 1-3 business days. If your store is on the Plus plan, payouts are deposited the next business day by default. 5 You can transfer funds in and out of Balance with your account and routing numbers, or connect to popular apps like PayPal, Venmo, and Cash App.

Limits may apply. Are there requirements for earnings rate incentives? No. You can earn on any account balance and withdraw funds at any time.

There is no minimum balance required or limit to how much you can earn. Earnings rate incentives are available to both new and existing Shopify merchants who use Balance and hold money in their account. Merchants on the Basic, Shopify, or Advanced plans earn 2.

29% and merchants on the Plus plan earn 3. 31%. 3 Is my account eligible for FDIC insurance?

Yes. All funds in a Balance account are eligible for pass-through FDIC insurance up to $250,000 USD through Fifth Third Bank, Members FDIC, if the deposits meet certain requirements. FDIC insurance is per depositor and per financial institution.

4 Earn 2% cashback on eligible Shopify business purchases made with your Balance card and get up to $2,000 in cashback per year. Plus, take advantage of exclusive offers from Google and other industry-leading partners. Learn more about Shopify Balance rewards .

2 Shopify partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N. A. , Member FDIC.

Shopify Balance Visa® Commercial cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. 1 . Shopify Balance has no monthly, annual, or ACH transfer fees.

Shopify doesn't charge any ATM withdrawal fees, but you may be charged by an ATM provider. 2 . Earn up to $2,000 USD cashback on all eligible purchases per calendar year.

This cashback limit may not apply to Shopify Partner offers. Learn more about cashback rewards in the Shopify Help Center . 3 .

The Balance earnings rate is a reward provided by Shopify on the money you hold in your Balance account(s) and is not interest. The rate is variable, subject to change without notice, and accurate as of September 10, 2026. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Balance account.

ACH limits may apply. See Reward Terms . 4 .

Shopify Balance accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership category.

Neither Stripe nor Shopify are an FDIC insured institution and the FDIC’s deposit insurance coverage only protects against the failure of an FDIC insured depository institution. 5 . For stores on the Basic, Shopify, or Advanced plans, Shopify Payments payouts are added to your Balance account within 5 business days, but most merchants will receive payouts within 1–3 business days.

Payout speed may be subject to change without notice. 6 . Traditional bank accounts are comprised of publicly available data from select business bank accounts of the top three largest US banks by assets.

7 . Transfer limits are subject to change without notice. 8 .

Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms . 9 .

Shopify Bill Pay has no subscription fees. Other transaction fees may apply.