The Shopify Credit Business is a fintech account from Shopify Credit Business. The annual fee is $0. Rewards: Earn up to 3% cashback on your top spend category Plus 1% on the rest of your eligible purchases.. Cash back: up to 3% cashback on eligible expenses. Pay-in-full Visa business card exclusively for Shopify merchants. No personal credit check. No personal guarantee. Cashback on Shopify/marketing spend. Must have active Shopify store.