THE GIST OF IT
- Cash App Card is a customizable Visa debit card with no monthly fees. Use it to make purchases in stores, online, and at ATMs at places where Visa is accepted.
- Cash App Card lets you spend from your Cash App balance—no borrowing, no interest, no credit check.
- Features include early direct deposit, flexible payment options with Afterpay,1 and free overdraft coverage with qualifying direct deposits.
- Order in the app. Your physical card arrives in the mail.
- Security features include 24/7 fraud monitoring, real-time alerts, biometric and PIN protections, and instant card lock.
What is Cash App Card?
Cash App Card is a Visa debit card linked to your Cash App balance with no monthly, annual, or hidden fees. When you make a purchase, the money comes from your balance—no borrowing, no credit check.
You're protected by real-time transaction alerts, instant card lock, and fraud monitoring. You can also add offers to save instantly at specific retailers.
Cash App Card is fully customizable. Choose from exclusive card styles, then add stamps, emojis, or drawings to make it yours.
How Cash App Card compares to a credit card
A debit card and a credit card work differently. With Cash App Card, you spend money you already have in your balance. You can't spend more than your balance (unless you have free overdraft coverage turned on), which makes it easier to budget and avoid debt.
A credit card lets you borrow money and pay it back later, often with interest. A $100 purchase on a credit card could cost more once you factor in the variable annual percentage rate (APR). Credit card debt can add up.
Cash App Card has no interest charges, no APR, and no annual fee. If you have free overdraft coverage, the amount is automatically paid back from your balance when you add money or get your next paycheck—no interest, no late fees.
How to get Cash App Card
No credit check, no minimum balance, no approval wait.
- Open Cash App and visit Card Home via the Money tab.
- Choose your card style and customize your design.
- Confirm your mailing address and verify your identity.
- Get instant access to a virtual card you can add to a digital wallet.
- When your physical card arrives, scan the QR code to activate it.
You can track the status of your physical card in the app.
How to use Cash App Card
Whether you're adding money to your balance, paying in stores, or shopping online, your card gives you flexibility to manage your money on your terms. Here's how to make the most of it.
Add money to your balance
- Direct deposit. Get your paychecks added to your Cash App balance up to two days early. Set up direct deposit to receive a percentage of your paycheck or the whole thing.
- Bank transfer. Transfer money instantly from an external bank account or linked debit card for free.
- Paper money deposit. Deposit cash at locations like Walgreens, Kroger, or 7-Eleven. There may be a $1 fee.
- Receive payments. Friends and family can send you money through Cash App. It goes straight to your balance.
Pay in stores
Tap for a contactless payment, insert the chip, or swipe. Enter your PIN or sign to complete the purchase. You can also withdraw cash at ATMs with your PIN.
Pay online
Enter your Cash App Card number, expiration date, and CVV. You'll usually need to confirm the address or ZIP code tied to your card.
You can also add Cash App Card to Apple Wallet or Google Wallet for faster checkout.
Cash App Card fees
- Monthly fee: $0
- Annual fee: $0
- Overdraft fee: $0
- ATM withdrawal: $2.50 per withdrawal (free at in-network ATMs with Green status)
- Foreign transaction fee: 3% (waived with Green status)
- Card replacement (classic): $5
- Card replacement (metal): $50
- Paper money deposit: $1 (free with Green status)
Cash App Card security
Cash App Card is built with multiple layers of protection.
24/7 fraud monitoring. Cash App watches for unusual spending patterns. If someone tries to use your card in a different location right after you made a purchase locally, the system flags it.
Real-time transaction alerts. You get a notification on your phone within seconds of any purchase. If you see a charge you don't recognize, you can dispute it in the app.
Biometric and PIN protection. Require your fingerprint, face, or PIN to move money or unlock the app. Even if someone has your phone, they can't access Cash App without your biometric data.
Instant card lock. Lost your card? Lock it in the app while you look for it. Unlock it when you find it. If it's gone, order a replacement through Card settings.
