Cash App Card

Cash App · Visa · prepaid · Custodial

1 countryVerified 6 Sep 2026

Cash App Card pays no rewards, so at $1,000/month spend the card costs $90 a year. According to Cardefi data, 5 of 8 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at Cash Appdirect — pays us nothing

Cashback at your stake: 0.0%
Min. stake for rewards: —
Annual fee: $0
FX fee: 3.0%
Net value / yr: −$90
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Round Ups	Round Ups	0.0%	−$90

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.0% × $12,000	+$0
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	3.0% × $3,000	−$90
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		−$90

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	$0 / year 1 source “The debit card with no monthly or hidden fees”[2] · landing · captured 6 Sep 2026
Monthly fee	$0 / month 2 sources “Monthly Fee”[1] · legal · captured 6 Sep 2026 “No. Cash App does not charge any monthly fees.”[2] · landing · captured 6 Sep 2026
Card issuance	$0Standard card free; expedited shipping $15; custom designs may carry a fee 2 sources “Fee charged for purchase of the Cash App Visa Prepaid Card. Other card types may be offered for purchase.”[1] · legal · captured 6 Sep 2026 “Card Purchase (standard)”[1] · legal · captured 6 Sep 2026
Foreign transaction (FX)	3.0%Waived on card-present transactions with $500 of monthly purchases or $300 of monthly deposits 1 source “Our Foreign Transaction Fee is 3%.”[1] · legal · captured 6 Sep 2026
Crypto conversion / spread	n/aCard spends USD only; bitcoin is not converted at payment
ATM withdrawal	0.0%Flat $2.50 per withdrawal, waived with $300 of monthly deposits or $500 of monthly card spend 1 source “Our ATM withdrawal fee is $2.50. You may also be charged a fee by the ATM operator.”[1] · legal · captured 6 Sep 2026
ATM fixed fee	$2.50 / tx 1 source “Our ATM withdrawal fee is $2.50. You may also be charged a fee by the ATM operator.”[1] · legal · captured 6 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Round Ups	n/a · None · Cap: none · Paid in BTC 1 source “You can round up your Cash App Card transactions to the nearest dollar to add to your savings balance or savings goals, or invest your spare change into your choice of a stock, ETF or bitcoin with every purchase.”[4] · help_center · captured 6 Sep 2026

Limits

Spend per month

— not disclosed

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Spend per month. Not disclosed.

Sources

4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

cash.app/legal/us/en-us/card-agreement · legal · 6 Sep 2026
cash.app/card · landing · 6 Sep 2026
api.fdic.gov/banks/institutions?filters=NAME%3A%22Sutton%20Bank%22&fields=NAME%2CCERT%2CCITY%2CSTNAME%2CACTIVE%2CWEBADDR%2CCHARTER&format=json · legal · 6 Sep 2026
cash.app/help/us/en-us/10131-cash-card-round-ups · help_center · 6 Sep 2026

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Access & funding

Regions: 1 country
KYC: full
Top-up: Cash App balance, Direct deposit
Fiat: USD
Assets: USD
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Custodial. The issuer holds your funds; check its licence below.
No rewards. This card only spends; it never pays back.

Who is behind the card

Brand / programme: Block, Inc. (Cash App)
Infrastructure: — not disclosed
Issuer of record: Sutton Bank (US)
Licence: FDIC · 5962
Network: Visa
Custody: Custodial · fdic passthrough

3 sources

“Prepaid debit cards issued by Sutton Bank, Member FDIC.”[2] · landing · captured 6 Sep 2026

“Cash Sutton Bank Terms of Service”[1] · legal · captured 6 Sep 2026

“"NAME":"Sutton Bank"”[3] · legal · captured 6 Sep 2026

Status

Now: Live

“Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc.”cash.app · captured 6 Sep 2026

Where you can get it

United States: 1 country: US

1 source

“CASH APP PREPAID CARD PROGRAM AGREEMENT”cash.app · legal · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 5 of 8 key figures verified, 1 not disclosed
Confidence: A official source plus an independent one
Disclosure: legal pdf
Source: cash.app
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 1 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 6 Sep 2026	Sutton Bank

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Cash App Card charge on foreign currency?: Cash App Card adds 3.0% on transactions in a currency other than the account currency.
Does Cash App Card charge an annual fee?: The annual fee for Cash App Card is $0.
Does Cash App Card work with Apple Pay or Google Pay?: Cash App Card works with Apple Pay and Google Pay.
What does Cash App Card charge at an ATM?: Cash App Card charges 0.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Cash App Card?: The issuer does. Spending on Cash App Card draws on a balance held by the provider, not in a wallet you control.
Does Cash App Card require identity verification?: Yes. Cash App Card requires full identity verification before the card can be used.