Cash App Card review: fees, limits and how it works
People already using Cash App to send and receive money
Quick answer: The Cash App Card is a free Visa debit card that spends your Cash App balance. There's no monthly fee, so card spending alone costs $0 a month, but ATM withdrawals cost $2.50 each plus any operator fee unless you qualify for Cash App Green. It suits people who already use Cash App.
Best for: People already using Cash App to send and receive money
Pros
- No monthly fee
- Customizable card
- Free in-network ATMs with Cash App Green ($500+ in monthly card spend or $300+ in paycheck deposits)
Cons
- $2.50 ATM fee unless you qualify
- 3% foreign fee
- Common target for payment scams
What the Cash App Card costs per month
| If you… | Monthly cost | How it adds up |
|---|---|---|
| Card spending only, no ATM use | $0 | Cash App charges no monthly fee for the card, so spending your balance costs nothing. |
| 2 ATM withdrawals without Cash App Green | $5 plus ATM operator fees | Cash App charges $2.50 per ATM withdrawal (2 x $2.50). Most ATM operators add their own fee. |
| $300 or more in monthly paycheck deposits, 2 in-network ATM withdrawals | $0 | Paycheck deposits of $300 or more a month qualify you for Cash App Green, which makes in-network ATM withdrawals free. |
Who it suits
Good fit if
- People who already send and receive money in Cash App
- Getting $300 or more in paychecks deposited to Cash App each month
- Spending a Cash App balance without a monthly fee
Skip it if
- You need ATM cash often but won't qualify for Cash App Green
- You want a card that builds credit
- You'd rather keep your money at a traditional bank
Fees
| Monthly fee | None |
| Other | $2.50 Cash App ATM fee, plus any ATM operator fee; free in-network withdrawals if you qualify for Cash App Green |
| Other | $5 standard card replacement |
| Other | 3% foreign transaction fee |
| Other | Instant transfers 0.5%–2.5%, with a minimum fee |
How to get and load it
Order free in the Cash App.
- Direct deposit
- Transfers from linked bank or debit card
- Payments from other Cash App users
- Paper money deposits at retailers
Activation
Activate in the app by scanning the QR code that comes with the card, or by entering the card details.
Deposit protection and credit building
Protection: Not verified for this file. See Cash App's legal pages for how FDIC pass-through coverage works through its partner banks.
Credit building: No. It's a debit card that spends your Cash App balance. It isn't a credit card or a traditional prepaid gift card.
Cash App Card FAQs
Does the Cash App Card have a monthly fee?
Monthly fee: None. Other charges to check: $2.50 Cash App ATM fee, plus any ATM operator fee; free in-network withdrawals if you qualify for Cash App Green; $5 standard card replacement; 3% foreign transaction fee.
How do I activate the Cash App Card?
Activate in the app by scanning the QR code that comes with the card, or by entering the card details.
Is money on the Cash App Card insured?
Not verified for this file. See Cash App's legal pages for how FDIC pass-through coverage works through its partner banks.
Does the Cash App Card build credit?
No. It's a debit card that spends your Cash App balance. It isn't a credit card or a traditional prepaid gift card.
How do I add money to the Cash App Card?
You can load it by direct deposit, transfers from linked bank or debit card, payments from other Cash App users, paper money deposits at retailers.
Official Block, Inc. (Cash App). Card terms reference Sutton Bank. site
Sources: cash.app · cash.app · cash.app. Fees change; confirm on the official fee schedule.