Is Cash App a Prepaid Card or Not? Here’s What Nobody Told You!

The Cash app supports swift money transfers, allows you to make direct deposits, and offers loans without credit checks. With the app’s list of features growing, users are still a bit confused about how Cash App cards work and whether Cash App is a prepaid card or not. Well, that’s what we are here to find out! 

Is Cash App a Prepaid Card?

Cash App functions like a prepaid card in that you can load money on it and use it for various tasks, such as online payments, in-store shopping, ATM withdrawals, and money transfers.

• You can use the Cash App cash card anywhere a Visa card is accepted, and it processes payments much like a prepaid debit card. 

You can also get money back on a Cash App card in the form of cashback. It is secured via PIN and has a specific feature to protect you against online scams and fraud.

Does Cash App Work With Prepaid Cards?

Cash App supports most prepaid cards, including Visa, Mastercard, Discover, and American Express debit and credit cards. However, remember that you can only send money using a prepaid card and can not load your Cash app account with it.

• Additionally, you can not use business debit cards, PayPal cards, or ATM cards with Cash App. 

That is why most users prefer linking bank accounts and utilizing bank-to-cash App transfers in times of need instead of relying on any card.

You might be interested in reading: Cash You Use Cash App Without a Bank Account?

How To Transfer Money From Prepaid Card To Cash App

There are three ways in which you can transfer funds from prepaid card to Cash App. We have discussed all them briefly. Take a look!

Link Prepaid Card To Cash App

The simplest way to transfer money from a prepaid Card to a Cash App is to link the two platforms. We will walk you through how that works:

1. Open your Cash App account and click on Banking. 
2. Then tap on the Linked Account option.
3. Select Add Bank and then choose Credit or Debit Card. 
4. Provide the card information and select Add Card. 
5. Once the prepaid Card is linked to the Cash App, tap on the Balance tab.
6. Then click on Add Cash and enter the amount you want to transfer.
7. Select the prepaid Card from the list of linked accounts.
8. Tap Add Cash to complete the procedure.

Use a Third-Party Service To Make The Transfer

Third-party services like PayPal, CardCash, Prepaid2Cash, and Venmo can all help you transfer money from a prepaid card to a Cash App, typically without any fee.

You only need to create an account with the third party and link your prepaid card for a seamless transfer. When your account is connected, you can transfer money to Cash App.

Sell Your Prepaid Card

Many people choose to sell prepaid cards. They don’t need to transfer the cash to Cash App. Prominent websites like Raise, CardCash, and Gift Card Granny offer reliable services if you wish to sell your prepaid card.

However, there is a downside. When selling a prepaid card, it is highly unlikely that you will receive its full value. The sale price depends on the platform you are using and its terms of service. You can consider selling the card to a family member or a friend in exchange for its full value.

Extra Reading

Get Cash App Card Online – Step By Step Guide

Much to the user’s relief, it is possible to get a Cash App card online, and the application procedure is quite straightforward as well.

1. Create a Cash app account if you don’t already have one, then log in using your username and password.
2. Click on the Cash Card option on the home screen.
3. Then click on Get Free Cash Card.
4. In the next step, you can choose cash card designs, colors, etc. Yes, you can customize the card to your liking!
5. Afterward, you can choose whether to show your Cashtag on the card. You can also make other changes by clicking on Tap to Customize. 
6. Provide the necessary personal information, re-check the terms and conditions for obtaining and using the card, and then click Continue to complete the process.

Attention! It can take up to 10 days for the Cash App debit card to reach you.

Method To Activate Your Cash App Prepaid Card

Similar to applying for the Card online, you can also activate the Cash App card. Two methods exist to complete this, i.e., with and without the QR code.

1. Open your Cash App account and click the Cash App card button on the home screen.
2. Then tap on the Card’s image and click Activate Cash Card. 
3. Allow Cash App to use your device’s camera by pressing OK. 
4. Scan the QR code to activate the Card.
5. Alternatively, click on Use CVV Instead if you don’t intend to activate via QR code.
6. Provide the CVV code and expiration date. The information will be printed on your cash card.

Steps To Add Funds To Cash App Card Online

Once you have the cash card, you don’t need to put money on it separately. The funds in your account will automatically be accessible via the Cash App card. However, you do need to add the card to your account. Here’s how. 

1. Open your Cash App account and click on the Balance option.
2. Then tap on Add Cash. 
3. After that, you must enter the amount of money you wish to add.
4. Then click Add to confirm your action and verify via PIN or Touch ID.

How To Transfer Money From Credit Card To Cash App – Step By Step Guide

You can use your credit card to fund your Cash App account and complete transactions this way, but this is more costly than using a debit card or linked bank account.

1. Open your Cash App account with the correct credentials.
2. Open the main menu and then click on the House icon. 
3. Select My Cash on the main menu and then click on Add Credit Card. 
4. In the next step, enter your credit card details, such as card number, expiration date, etc.
5. Then click on Add Card to complete the process.

Note! The fee for using credit card on Cash App for purchases is set at 3% of the purchase amount.

Method To Use Debit Card With Cash App Prepaid Card

It is clear that you can link your debit card with the Cash App and use it for money transfers, but what about linking multiple debit cards at the same time?

Just like you can not create multiple Cash App accounts with the same user information, linking two debit cards to one account is impossible. Nonetheless, you can replace a non-working debit card with a new one.

1. Open your Cash app account and click the Bank icon from the main menu.
2. Then press Linked Accounts and locate the debit card you want unlinked.
3. Open this debit card details and select Replace Debit Card. 
4. Click on Remove Debit Card to remove the previous card details.
5. Then, you can add the new card’s details and confirm your action to complete the process.

You might be interested in reading: How To Add Gift Card To Cash App?

Virtual Debit Cards That Work With Cash App

There are many virtual debit cards that work with Cash App. Some of the popular names are listed below.

• Walmart MoneyCard Visa Prepaid Card
• Chime Visa Debit Card
• Green Dot Visa Prepaid Card
• Netspend Visa Prepaid Card
• PayPal Prepaid Mastercard
• Current Visa Debit Card
• Bluebird by American Express
• Serve Visa Prepaid Card
• Privacy.com

ATM Withdrawal Limits For Cash App Prepaid Card

There are limits on how much you can withdraw with a Cash App card. Typically, you can cash out $310 per transaction and $1000 per day.

• ATM withdrawals, cash back at a register, etc., all count as withdrawal limits. 

Note! Cash App charges $2 for ATM withdrawals but this fee can be avoided if you make $300 monthly deposit to your account.

Cash App Card Fees

The cash app card does not charge any additional fee. There are no charges for application or activation. However, each ATM withdrawal you make with the card will cost you $2 unless you regularly make a $300 monthly deposit to your account.

• Other than that, credit card transactions charge 3% of the amount, and instant transfers will cost you 1.5% as a fee. 

You can avoid instant transfer charges by choosing Standard Transfer instead, but in that case, the funds may take up to 3 business days to reach you.

The Bottom Line

From its offer of instant loans to facilities like Cash App rewards, the app has a lot in stock for you. Moreover, it works with different prepaid cards, debit cards, credit cards, and bank accounts to facilitate payments and transfers.

You can use the Cash App card as a prepaid and debit card for purchases and free ATM withdrawals. When using other prepaid cards with Cash App, you can only send money from Cash App to the card. It is impossible to add money to the Cash App account through this method.

Frequently Asked Questions

Is my Cash App card prepaid or debit?

Cash App acts as both a reloadable prepaid card and a debit card for ATM withdrawals. It is also compatible with many debit and credit cards.

Why can’t I use a prepaid card to add money to the Cash App?

As per Cash App’s current policy, you can not use a prepaid card to fund your Cash App account. Alternatively, you can use a linked bank account, debit card, or credit card.

Does Cash App work with a bank?

Yes. The Cash App works with two different banks. The Cash app bank names for direct deposits and card issuance are Lincoln Savings Bank and Sutton Bank.

Is it compulsory to have a bank account for Cash App?

You can create a Cash App account without a bank account, but you cannot verify it in this manner. As a result, your spending limits would be low. Verifying a cash app account requires you to enter bank details, after which you can order a cash app card, make ATM withdrawals, etc.

How to add a credit card to Cash App without a bank account?

Having a linked bank account to use Cash App Pay is optional. You can use a credit card linked to a Cash App account and pay for purchases if you have sufficient funds.