Bluevine vs Square
Bluevine is a free account with interest for basic business checking needs. How does it compare to Square? Read our comparison chart below.
Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.
While Square has a low swipe fee of 2.6% + $0.10 per transaction. It has no monthly fees, no contract, and no chargeback fees. Square offers a free swipe reader, feature-rich POS app, free virtual terminal, and free online store.
Compare Bluevine with Square, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
Bluevine | Square | |
|---|---|---|
Free Business Checking - Earn $300 Bonus - | Square Reader: Free Mobile Credit Card Reader - | |
Benefits and Features | ||
| Savings | No savings account, but you add 5 free sub accounts | |
| Checking | 3.7% APY for Premier customers, 2.7% APY for Plus customers, 1.5% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard | |
| Monthly Fee | Standard tier: $0 per month Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend) Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) | |
| Equipment | Card reader: $0 to $59; Stand, Terminal, and Register available for purchase | |
| Cash Deposit Fee | $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs | |
| Customer Service | Phone and email: Monday - Friday. 8 am to 8 pm EST | Phone, Email, Live Chat Support, Seller Community |
| Fraud Prevention Tools |  | |
| Invoice Management | | |
| Recurring Billing | | |
CreditDonkey® Reviews | ||
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| Checking |   | |
| Fees | | |
| Mobile App | | |
| Customer Service |  | |
| Price | | |
| Equipment | | |
| Contract | | |
| Ecommerce | | |
| High Volume Business | | |
| Low Volume Business | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Free account with interest for basic business checking needs... | Good credit card processor for low-volume businesses... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. | ||
Free Business Checking - Earn $300 Bonus
To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 06/30/2025 using the referral code CD300.
After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Free Business Checking - Up to 1.5% APY
- 1.5% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Free Business Checking - Up to 1.5% APY
- 1.5% APY on balances up to $250,000 for eligible customers
- Unlimited transactions
- 5 free subaccounts with unique account numbers
- 2 free checkbooks per year
- $0 monthly service fee
Square Reader: Free Mobile Credit Card Reader
- Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
- Accept Credit Cards Anywhere
- Fast Setup, No Commitments
Square Contactless and Chip Card Reader
- Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
- Accept Chip Cards and Contactless Payments Anywhere
Square Terminal
- 2.6% + 10¢ per tap, dip, or swipe
- Fully integrated POS system with built-in receipt printer
- 5.5" display
Which is Better: Bluevine or Square?
Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Bluevine or Novo.
Articles on Bluevine
Bluevine Business Checking Review
Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.
Is Bluevine Safe
Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.
Bluevine Alternatives
Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.
Articles on Square
Square Alternatives
Square is one of the most popular POS systems. But is it the best choice for your business? See how Square compares to top competitors and alternatives.
Square
Explore a thorough review of Square's cost, security, and benefits for businesses. Find out if it's the right choice for you.
Best Square POS Alternatives
Square or Clover? Square or Shopify? Solve your POS dilemmas with this in-depth comparisons of top Square POS alternatives for small businesses.
Square vs Stripe vs Paypal
Square, Stripe, and PayPal are the most popular credit card processors for small businesses. What's the difference and which is right for you?
Square vs Clover
Square is cheaper to get started, while Clover offers more flexibility. Which one is better for your small business? Find out how they compare.
Square vs Merchant Account
Square is simple with flat rate pricing, but a merchant account can provide better savings. Which is better for your business? Read on to compare.
How Much Does Square Charge
Square's mobile card reader lets you accept credit card payments. But how much does Square cost? Read this review to see if it is good for your business.
Square Rates
Square offers a free credit card reader. But there are transaction rates and processing fees you need to be aware of.
Square vs PayPal
Is Square or PayPal better for your small business? Find out how they compare in pricing and features.
Which Do You Think is Best?
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