Cash App Card

What the Cash App Card is

Cash App is Block's US money app and its Visa prepaid debit card is the spending layer. There is no monthly fee, no minimum balance and no hidden fee structure; the black and white card designs are free, and paid designs are optional. Balances are eligible for FDIC insurance up to $250,000 through partner banks.

Why it appears in a crypto directory

Cash App is one of the largest consumer on-ramps to bitcoin in the United States, and bitcoin can be bought, held and sold inside the same app as the card. What the card cannot do is spend bitcoin: it draws on your dollar balance only, so it sits here as an adjacent option rather than a crypto card.

What the card gets you

Custom weekly cash back offers at selected merchants, exclusive concert and event presales, Afterpay for splitting eligible past purchases over time with no impact on your credit score, real-time transaction alerts, 24/7 fraud monitoring and instant card locking. Cash App Tags let people from age 6 have a linked way to pay.

Cash App Green

Spending $500 a month on the card, or depositing $300 in paychecks, unlocks Green status: up to $200 in free overdraft coverage, 3.5% savings interest, and free withdrawals at 40,000-plus in-network ATMs. Without overdraft coverage switched on, the card simply declines when the balance will not cover a purchase.

Cash App's card is a US prepaid Visa with no monthly fee, which puts it directly against the PayPal Debit Card — both fund spending from an app balance rather than a bank account. For users who want their crypto holdings to earn rewards while they spend, the Coinbase Card is the closer comparison. Our Best Crypto Cards directory covers the US options in detail.

Card

• Visa prepaid debit card from Sutton Bank, Member FDIC, plus a Bancorp-issued Flex Card variant.
• Free black or white designs, with paid custom styles you can draw on and stamp with emojis.
• Card details available in-app for online use and for Apple Pay or Google Pay while the physical card ships.
• Physical card arrives within about ten business days and activates in the app.

Offers and access

• Custom weekly cash back offers at merchants you already shop with.
• Exclusive concert presales and event access for cardholders.
• Afterpay on eligible past card purchases, paid over time without credit score impact.
• Cash App Tags linked to the card, available from age 6.

Security and protection

• Zero fraud liability protection on unauthorised charges.
• Real-time transaction alerts and 24/7 fraud monitoring.
• Card lock and security lock controlled from the app.
• FDIC insurance up to $250,000 on balances, subject to terms, through FDIC-insured partner banks.

Bitcoin only, and not spendable

Cash App supports bitcoin and, in the wider app, stocks and a high-yield savings account. The card itself spends US dollars from your Cash balance and cannot draw directly from bitcoin or stock positions.

Why that matters

For US readers deciding between this and a crypto card, the split is straightforward: Cash App is a cheap, well-protected dollar card with a strong bitcoin on-ramp attached to it. A crypto card is what lets you spend digital assets directly without selling to a bank account first.

Availability

Cash App and its card are United States products. Applicants need a physical US mailing address rather than a P.O. Box, and teens aged 13 to 17 can hold a card through a sponsored account.

Card costs

• Ordering the card: free in the standard designs
• Monthly fee: none
• Minimum balance or activity requirement: none
• ATM withdrawals: $2.50 per withdrawal plus any out-of-network ATM operator fee
• Changing a card design or ordering an additional card: a fee applies

Cash App Green benefits

Spend $500 a month with the card, or deposit $300 in paychecks, to reach Green status. That unlocks up to $200 in free overdraft coverage, 3.5% savings interest, and free withdrawals at 40,000-plus in-network ATMs.

Overdraft behaviour

Card spending cannot push your balance negative. If free overdraft coverage is not switched on, a purchase is declined when the balance does not cover it - so you will never be charged an overdraft fee by a bank for card use.

The crypto side

Bitcoin can be bought, held and sold inside Cash App, and the card balance is separate from that. Buying bitcoin carries Cash App's own spread and fees, which are quoted in-app at the time of the trade.