"Block Inc.’s XYZ Square is expanding its financial ecosystem to help small businesses. The refreshed Square Credit Card operating on the American Express network, offers unlimited 3% cash back on Square Bill Pay transactions and 1.5% on other purchases. The bigger change is the integration of the credit card with Bill Pay. Sellers can now use their Square Credit Card to pay expenses such as rent, insurance, marketing and inventory, even when vendors do not accept credit cards."