Cash App

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

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

What Will We Talk About Here?
  • Cash App card works as a prepaid or a debit card to which you can add money and then use it for online and in-store purchases as well as ATM withdrawals.
  • You can order the Cash app card online by Open account > Cash card > Get free cash card > Card design > Customize > Continue.
  • The ATM withdrawal limit for the cash card is $310 per transaction and $1,000 per day.

…and Much More!

Is Cash App a Prepaid Card?

Cash App functions like a prepaid card in a sense that you can load money on to it and then use it for various tasks like online payments, in-store shopping, ATM withdrawals, money transfer, etc.

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

You can get money back on Cash App card as well in the form of cash backs. It is secured via PIN and has specific feature to protect you against online scams and frauds.

Does Cash App Work With Prepaid Cards?

Most of the prepaid cards are supported by Cash App. These include Visa, Mastercard, Discover, American Express debit cards and credit cards. However, keep in mind that you can only send money using the prepaid card but you 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 majority of the users prefer linking bank account 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!

The simplest way to transfer money from prepaid card to 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 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 Cash App, tap on Balance tab.
  6. Then click on Add Cash and enter the amount you want to transfer.
  7. Select the prepaid card from list of linked account.
  8. Tap Add Cash to complete the procedure.

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

You will only need to create an account with the third-party and link your prepaid card for a seamless transfer. As soon as your account is linked, you can transfer money to Cash App.

Many people choose to sell the 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 too.

However, there is a downside. When selling a prepaid card, it is highly unlikely that you will receive full value of the card. 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 of full value.

Extra Reading

Get Cash App Card Online – Step By Step Guide

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

  1. Create Cash app account if you don’t have already and then login using your username and password.
  2. Click on 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, color, etc. Yes, you can customize the card as per your liking!
  5. Afterwards, choose whether to show your Cashtag on card or not. You can make other changes by clicking on Tap to Customize.
  6. Provide the necessary personal information, re-check terms and conditions for obtaining and using the card, and then finally, click on 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 active the Cash App card as well. There are two methods to get this done, i.e. with and without the QR code.

  1. Open your Cash App account and click on the Cash App card button on the home screen.
  2. Then tap on 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 would 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 to card separately. The funds that you have in your account would automatically be accessible via Cash App card. However, you do need to add the card to your account. Here’s how it is done.

  1. Open your Cash App account and click on Balance option.
  2. Then tap on Add Cash.
  3. After that, you have to enter the amount of money which 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 in this manner but this is costly as compared to using a debit card or linked bank account.

  1. Open your Cash App account with 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 debit card with Cash App and use it for money transfer but what about linking multiple debit cards at the same time?

Just like you can not create multiple Cash App accounts with same user information, it is not possible to link two debit cards on account as well. Nonetheless, you can replace a non-working debit card with a new one, if need be.

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

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

ATM Withdrawal Limits For Cash App Prepaid Card

There are limits on how much you can withdraw with 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 limit.

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

Cash app card does not carry any additional fee. There are no charges for application or activation. However, each ATM withdrawal that you make with the card will cost you $2 unless you regularly make $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 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 to get you instant loan to facilities like Cash App rewards, the app definitely has a lot of things in stock for you. Moreover, it works with different prepaid cards, debit cards, credit cards and bank accounts to facilitate payments and transfers.

As a prepaid and a debit card, you can use the Cash App card for purchases as well as for free ATM withdrawal. When it comes to using other prepaid cards with Cash App, you can only do so to send money from Cash App to the card. It is not possible to add money to 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 that you can use for ATM withdrawals. Additionally, it is compatible with many debit and credit cards as well.

Why can’t I use prepaid card to add money to 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 linked bank account, debit card, or credit card for such purposes.

Does Cash App work with a bank?

Yes. In fact, Cash App works with two different banks. The Cash app bank name for direct deposits and card issuance is Lincoln Savings Bank and Sutton Bank.

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

You can create Cash App account without a bank account but you will not be able to 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 credit card to Cash App without bank account?

It is not necessary to have a linked bank account to use Cash App Pay. You can use a credit card linked to Cash App account and pay for purchases as long as you have sufficient funds.

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