Apply for and manage a Square Credit Card
About Square Credit Card
Square Credit Card is currently invite-only for eligible Square sellers, and can be used anywhere American Express (AMEX)® is accepted. You earn rewards on every purchase. Learn how to Redeem Square Credit Card Rewards.
There are no late fees, annual fees, foreign transaction fees, or any other fees for using Square Credit Card.
Your Square sales volume, account history, and account status are some of the main factors that determine your credit limit, interest rate, and account terms.
Your credit limit can increase as your business grows based on your Square sales volume, account history, account status, and other factors.
You can find the interest rate, credit limit, and other account terms for your Square Credit Card offer directly from your Square Dashboard or emailed offer if you are eligible to apply for a Square Credit Card.
Before you Begin
You can manage your Square Credit Card from Square Dashboard (Banking > Credit Card).
Your credit limit, interest rate, and account terms are determined by your Square sales volume, account history, and account status.
Your credit limit can increase as your business grows.
Apply for a Credit Card
To check your eligibility for Square Credit Card:
Sign in to Square Dashboard and go to Banking > Credit Card.
Review the terms and conditions of your offer before final submission.
Note: Checking your eligibility does not impact your credit. Check your offer and cardholder agreement terms to see if approval will impact your credit.
If we can't verify your business information, enter your name as listed on your social security card or tax identification document, and your business name and EIN exactly as it appears on your government-issued SS-4.
Review your cardholder agreement:
Sign in to Square Dashboard and go to Banking > Credit Card > Settings.
Click Cardholder agreement.
Click Download to save the agreement as a .pdf file.
Order a Credit Card or Reorder a Lost or Stolen Credit Card
You will be prompted to enter in your address information for your shipment of your Square Credit Card when you apply for it.
We are able to ship your Square Credit Card to a valid US address via USPS. If you are unable to receive an order via USPS please contact us.
It can take up to 2 weeks to receive your card in the mail if approved for the Square Credit Card. If you don’t receive it within 2 weeks or if you need to change your delivery address, you can reorder your card directly from the Square Dashboard.
We are unable to support shipping to a PO Box when applying for a Square Credit Card. If you only have a PO Box for delivery, please contact us.
If you haven't received your credit card, you have lost your credit card, or if your card has been stolen, you can reorder a new card from Square Dashboard. To do so:
Sign in to Square Dashboard and go to Banking > Credit Card > Settings.
Check to see if your listed delivery address is accurate.
If the address needs updating, click Billing Address and enter a valid US address.
Once the delivery address has been confirmed, click Problem with Card and select the reason for reissuing your credit card from the menu.
Deactivate and replace your card if your card was lost or stolen > Continue.
Confirm or edit the shipping address for your new card before processing your request > Looks good.
Click Done to submit your request.
Once you’ve submitted your card re-issuance request, you’ll see a confirmation of the delivery date. You’ll have access to your virtual credit card information in Square Dashboard until your new card arrives, and you can use your virtual card information to make purchases immediately.
Note: You can request to reissue your credit card once every 14 days, and a maximum of two reissuances every 60 days. If you lose a reissued card within this timeframe and can’t request another one, contact us and we can assist.
Digital Card
While you wait for your physical card to arrive, you will be issued a digital card that can be used for card not present purchases. You will need to navigate to your Square Credit Card Dashboard to view your digital card number.
Sign in to Square Dashboard and go to Banking > Credit Card > Settings.
Click Show Card details to review your digital card details.
Note that your digital card will have a spending limit of $5000 before your physical card is activated.
Activate your Physical Square Credit Card
Once your Square Credit Card arrives, you will need to activate your new physical card. Your physical may have an updated security code and expiration date. You will need to navigate to your Square Credit Card Dashboard to activate your physical card.
Sign in to Square Dashboard and go to Banking > Credit Card > Settings.
Click on Activate Card.
Enter the one-time password sent to the email address associated with your application.Enter in your One Time Password > Continue.
Enter in the Expiration Date and Last Four Digits of the security code (CVV) on the back of your credit card > Continue.
Once your physical card is activated, your existing saved card information may need to be updated. Please review any websites or vendors that have your digital card to see if the information needs to be updated to your new physical card details.
Add your Credit Card to your Digital Wallet
Apple Pay
Go to your Apple Wallet on your mobile phone.
Tap the plus (+) icon on the top right of your screen.
Select Credit or Debit Card > Continue.
Tap Enter the Card Details Manually and enter your card information.
Google Pay
Go to your Google Wallet on your mobile phone.
Tap Add to Wallet > Payment Card.
Select New Credit or Debit Card > Enter the Card Details Manually.
Enter your card details > Save.
Lock your Credit Card
You can lock your Square Credit Card if it has become lost or stolen, or if you notice unfamiliar charges on your account and wish to review them before ordering a new card.
If you believe a charge is unauthorized and wish to file a dispute, please review the help article on Manage and Review Credit Card Transactions to dispute unauthorized charges and order a new card immediately.
To lock your card:
Sign in to Square Dashboard and go to Banking > Credit Card > Settings.
Click on Lock Card.
You may also unlock your card at any time.
Note: If your card is blocked for suspicious activity, you will be unable to manually unlock your card. Please contact us for assistance if you need access to your card.
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.