Best Shopify Store Credit Apps : 10 Apps Compared

Every return you refund in cash is revenue that leaves your business for good. Shopify store credit keeps that same dollar inside your store instead, and gives the customer a reason to come back and spend it. The question isn't whether store credit is worth running - it's which app actually handles it well, without turning into another bloated loyalty platform you never fully use.

Here are the 10 best Shopify store credit apps on the Shopify App Store right now, compared on what actually matters: how they issue and manage Shopify store credit, what you'll pay, and who each one is built for.

Not every app on this list is a dedicated store credit tool - some are broader loyalty platforms that support store credit as one reward type among several. Where that's the case, it's called out directly so you're not comparing apples to oranges.

Quick Comparison: Best Shopify Store Credit Apps (2026)

Ratings and pricing verified from live Shopify App Store listings as of July 2026.

Most stores only need one Shopify store credit app. Pick based on whether you want a dedicated credit tool or a full loyalty platform that happens to support credit - not the longest feature list.

1. Rewardify Credit & Loyalty - Best overall for Shopify store credit

Rewardify runs store credit, loyalty rewards, and VIP or employee programs on one native platform. Customers earn, receive, and redeem the same Shopify store credit balance on POS, at checkout, on draft orders, and online - one balance, every channel, instead of separate tools for each.

Where Rewardify stands apart is automation depth for non-standard use cases. It handles returns-to-credit, birthday and milestone rewards, and referral credit through Shopify Flow, and it has built-in support for wholesale pricing tiers plus multi-currency, multi-language credit templates. That makes it a fit for stores that need employee accounts, sample-to-full-size rebate programs, or B2B credit rules that most store credit apps don't touch.

Key Features

• One credit balance across POS, checkout, draft orders, and online
• Turn returns into store credit instead of cash refunds
• Reward VIP, employee, and wholesale customers on your own terms
• Automate birthday, milestone, and referral rewards with Shopify Flow
• Native multi-currency and multi-language credit templates

Pricing

• Basic – $19.95/month (10K interactions/month, 14-day free trial)
• Professional – $59.95/month (25K interactions/month)
• Plus – $149.95/month (50K interactions, API access, 30-day free trial)
• Managed – $999/month (dedicated management, custom reports)

Best for: Stores that need Shopify store credit to work across POS and online from day one, plus VIP, employee, or wholesale programs a simpler credit app can't handle.

2. Koin Store Credit & Rewards

Koin is a Built for Shopify app built specifically to replace discount codes with native Shopify store credit cashback. You set cashback rates by product or order value, and the app issues credit automatically instead of eating margin on a blanket discount. It supports both DTC and B2B customers on Shopify Plus, and includes templates for migrating existing loyalty points into store credit.

Key Features

• Set cashback rates by product or order value for DTC and B2B
• Pre-built Shopify Flow templates for automated reward triggers
• Bulk or single edit (credit/debit) store credit from customer accounts
• Widgets and automated emails to promote store credit issuance
• Intuitive dashboard for tracking and managing credit

Pricing

• Free to install, with paid tiers for higher order volume - check the current listing for tier breakdowns

Best for: Stores that want to replace discount codes with Shopify store credit cashback specifically, without paying for a broader loyalty suite.

3. iziGift: Gift Cards & Rewards

iziGift covers two related jobs: branded gift cards and store credit cashback campaigns. Cashback campaigns auto-issue Shopify store credit on purchase, with budget and daily caps; customers get a balance-checker page, and everything is bulk-issued via CSV or customer segments. The Klaviyo integration auto-creates email flows for gift card and credit notifications, which saves setup time if you're not already deep into a marketing automation stack.

Key Features

• Branded gift card templates with scheduled delivery and balance page
• Store credit cashback campaigns that auto-issue rewards on purchase
• Bulk issue gift cards via CSV, customer segments, or Shopify Flow
• Klaviyo integration with auto-created flows for gift card emails
• Dashboard analytics for redemptions, breakage, and campaign ROI

Pricing

• Free for dev/partner stores
• $9/month - up to 200 monthly orders
• $24/month - up to 500 monthly orders
• $49/month - up to 1,000 monthly orders (all with 14-day free trial)

Best for: Stores that want gift cards and store credit cashback in one low-cost app, especially if Klaviyo is already part of the stack.

4. Redeemly Store Credit Cashback

Redeemly is a Built for Shopify cashback tool where the credit amount scales with spend - the higher the order, the more Shopify store credit the customer earns. It includes a referral system where customers can send credit to friends and earn when that friend shops, on-store widgets to show balances and prompts, and Shopify Flow templates to automate the whole reward and referral flow.

Key Features

• Reward customers with store credit instead of discounts to protect margin
• Referral system: send credit to friends, earn when they shop
• On-store widgets showing credit balances, rewards, and prompts
• Shopify Flow templates for credit, referral, and SEO automation
• Email notifications to bring customers back to spend their credit

Pricing

• Free for partner/test stores
• $19/month - up to 500 monthly orders
• $29/month - up to 800 monthly orders
• $49/month - up to 1,000 monthly orders (all with 25-day free trial)

Best for: Stores that want spend-scaled cashback and a built-in referral program without a lot of setup complexity.

5. Loyoly – Loyalty and Referral

Loyoly is worth a flag: it's a points-and-missions loyalty platform first, not a dedicated Shopify store credit app. Customers earn points for purchases, UGC, reviews, and social actions, which convert into rewards rather than a spendable credit balance by default. If your priority is specifically store credit, this is a broader tool than you likely need - but if you want loyalty, referrals, UGC collection, and a digital wallet in one system, it's built for that.

Key Features

• Loyalty programs and VIP tiers for repeat buyers and top customers
• Referral program with built-in fraud protection
• 40+ missions rewarding opt-ins, UGC, Instagram posts, and reviews
• Fully customizable widget, loyalty page, and rewards
• Shopify POS and Apple/Google Wallet integration

Pricing

• Free – 7-day free trial, points program, unlimited referral rewards
• Lite – $99/month (500+ orders/month, VIP tiers, 2 integrations)
• Premium – $449/month (UGC points, custom CSS, 3 automation flows)
• Enterprise – $999/month + $0.30 per additional order

Best for: Stores that want a full points, referral, and UGC loyalty program and are open to store credit being one reward type rather than the main mechanic.

6. Smile: Loyalty Program Rewards

Smile is one of the most established names in Shopify loyalty, with a 2026 Build Award and over 4,100 reviews. It's fundamentally a points, VIP, and referral platform - store credit and gift card rewards are supported as redemption options rather than the core structure. The free plan is genuinely usable up to 200 monthly orders, and the integration list (Klaviyo, Judge.me, Gorgias, and 30+ others) is one of the deepest in the category.

Key Features

• Points, VIP tiers, and referral program in one branded setup
• Embed loyalty on product pages, at checkout, and via a loyalty page
• Loyalty Hub inside customer accounts as the home for rewards
• Deep integration with Klaviyo, Judge.me, Gorgias, and 30+ tools
• Full branding customization and 20+ language support

Pricing

• Free – up to 200 monthly orders
• Essential – $15/month (up to 500 orders, dedicated loyalty page)
• Standard – $79/month (up to 1,000 orders, bonus events)
• Growth – $199/month (2,500 orders, VIP tiers, redeem at checkout)

Best for: Stores that want an established, deeply integrated loyalty platform and are fine with store credit as a secondary reward rather than the main feature.

7. Casa Loyalty Points & Rewards

Casa is a Built for Shopify app that genuinely combines points, VIP tiers, referrals, store credit, and gift cards in one platform rather than treating credit as an afterthought. It specializes in advanced custom loyalty setups for Shopify Plus stores, supports point multipliers and spending-goal rewards, and is entirely free - a rare combination at this feature depth. Support includes 24/7 live chat with founder-level involvement, according to the app's own listing.

Key Features

• Points, VIP tiers, referrals, store credit, and gift cards in one app
• Embedded on product page, account page, cart, checkout, and thank-you page
• Specializes in advanced custom loyalty for Shopify Plus stores
• Runs online and in-store with Shopify POS integration
• 24/7 live chat support with dedicated managers

Pricing

• Free, with all features included

Best for: Stores that want points, VIP tiers, and Shopify store credit together without a subscription cost, especially Shopify Plus merchants with custom loyalty needs.

8. BON Loyalty Rewards Program

BON is a large, points-first loyalty platform - nearly 1,800 reviews at a 5.0 average - built around points, VIP tiers, and referrals rather than store credit specifically. Store credit isn't listed among its native reward types; discounts, free products, and free shipping are the redemption options instead. It's included here because merchants researching Shopify store credit options frequently compare it against dedicated credit apps, so the distinction is worth knowing before you install it expecting a credit-first tool.

Key Features

• Points and rewards program launchable in minutes
• VIP tiers with accelerated points and rewards
• Loyalty touchpoints at homepage, product pages, and checkout
• Shopify POS support for online and in-store rewards
• B2B loyalty program for wholesale tiered rewards

Pricing

• Free Forever – up to 150 monthly orders
• Starter – $15/month (up to 300 orders, dedicated loyalty page)
• Basic – $29/month (up to 500 orders, POS points)
• Growth – $129/month (up to 2,000 orders, VIP tiers, B2B tiers)

Best for: Stores prioritizing a points and VIP tier program broadly, not specifically Shopify store credit - pair it with a dedicated credit app if store credit is a hard requirement.

9. Rise Gift Cards & Store Credit

Rise (by Rise.ai) is built to unify gift cards, cashback, refunds, and loyalty credit into a single branded wallet, positioning Shopify store credit as both a retention tool and a way to prevent revenue loss from returns. It's one of the more established players in this space, with 707 reviews and integrations spanning Loop Returns, AfterShip, Klaviyo, and Recharge. A few reviews flag inconsistent app loading and dashboard responsiveness - worth testing during the free trial before committing to an annual plan.

Key Features

• Unify gift cards, loyalty, cashback, refunds, and gifting in one wallet
• Cashback campaigns to lift AOV and drive repeat purchases
• Store credit for signup, lifetime spend, referrals, and milestones
• Digital and physical gift cards with reminder flows
• Store credit for refunds and compensation to prevent revenue loss

Pricing

• Starter – $19.99/month (100 orders included, manual store credit)
• Small-Business – $59.99/month (400 orders, claim page customization)
• Pro – $199.99/month (2,000 orders, bulk gift card creation)

Best for: Stores that want gift cards, cashback, and refund-to-credit unified in one wallet, and that already use Loop Returns or a similar returns platform.

10. Joy Loyalty Program & Rewards

Joy is a large, flexible loyalty platform - 1,687 reviews at 4.9 stars - spanning points, VIP tiers, paid membership, and referrals across more than 30 customer touchpoints. Store credit appears as one of several reward types the platform supports, alongside discounts, free products, and gift cards, rather than being the primary mechanic. Its Advanced tier adds a POS loyalty extension and Apple/Google Wallet passes, which matters if your loyalty program needs to work identically online and in-store.

Key Features

• Unlimited points rewards plus social rewards (Instagram, reviews)
• Loyalty hub, in-cart redemption, checkout, and POS extension
• 30+ customizable touchpoints across the shopping journey
• VIP tiers, perks, rewards, and paid membership programs
• 24/7 live chat support with a dedicated account manager on higher tiers

Pricing

• Starter – Free (250 monthly orders)
• Essential – $29/month (500 orders, Shopify Flow automation)
• Advanced – $129/month (2,000 orders, VIP tiers, POS extension)
• Ultimate – $499/month (7,000 orders, full developer toolkit)

Best for: Stores building a large, multi-touchpoint loyalty program where Shopify store credit is one reward among many, not the central feature.

Final Thoughts

The best Shopify store credit app depends on whether you want a dedicated credit tool or a broader loyalty platform that happens to support credit. No single app wins every category - but a few clear patterns stand out across these 10 options.

• Best overall for Shopify store credit across every channel: Rewardify Credit & Loyalty
• Best free, dedicated store-credit-for-discounts replacement: Koin Store Credit & Rewards
• Best for gift cards plus store credit cashback on a budget: iziGift
• Best for spend-scaled cashback with referrals built in: Redeemly
• Best free all-in-one (points, VIP, and store credit together): Casa Loyalty
• Best for unifying gift cards, cashback, and refund credit: Rise Gift Cards & Store Credit
• Best if you actually want points and VIP tiers, not store credit: Smile, BON, or Joy

If Shopify store credit specifically is the goal - turning returns into retained revenue, replacing discount codes, running VIP or employee credit - start with a dedicated credit app rather than a large points platform where credit is a secondary feature. You'll set it up faster and avoid paying for loyalty mechanics you won't use.

Don't run two store credit apps at once - overlapping credit systems create duplicate balances and confusing customer account pages.

Note: Ratings and pricing are verified from live Shopify App Store listings as of July 2026. Always check the current listing before installing.

FAQ

What is the best Shopify store credit app in 2026?
For most stores, Rewardify Credit & Loyalty is the strongest overall pick - it runs Shopify store credit natively across POS, checkout, draft orders, and online in one balance, and adds VIP, employee, and wholesale programs most dedicated credit apps don't cover. For a free, cashback-focused alternative, Koin Store Credit & Rewards is a solid choice.

Is there a free Shopify store credit app?
Yes. Koin Store Credit & Rewards and Casa Loyalty Points & Rewards are both free with core store credit features included. Several others, including iziGift, Redeemly, Smile, BON, and Joy, offer functional free plans with order-volume caps.

Do I need a separate app for Shopify store credit, or does Shopify have it built in?
Shopify has native store credit tied to its newer customer accounts system, letting you issue and redeem credit without any app. A dedicated app becomes worthwhile once you need automation - turning returns into credit automatically, triggering rewards through Shopify Flow, running VIP or referral programs, or syncing credit across POS and online without manual work.

What's the difference between a store credit app and a loyalty app?
A store credit app centers on issuing and redeeming a spendable balance - for returns, cashback, or compensation. A loyalty app more often centers on points that customers accumulate and redeem for perks, where store credit, if offered at all, is one reward type among several. Several apps on this list (Smile, BON, Joy, Loyoly) fall into the loyalty category rather than being dedicated Shopify store credit tools.

Can Shopify store credit work in-store and online at the same time?
Yes, but only with apps that explicitly support Shopify POS. Rewardify, Koin, Redeemly, Casa, and Rise all list POS support, meaning a customer's Shopify store credit balance stays the same whether they're checking out online or in person.