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How To Use Credit Card on Cash App- a step-by-step guide

Cash app is an easy way to send and receive money from anyone in the world anytime you want. It’s also the best way to get your hands on Bitcoin in minutes- with no sign-up required. 

If you don’t have a Cash App yet, download it now and follow along on how to use your credit card on Cash App. This guide will walk you through how to use credit card on Cash App so that you can easily buy and sell Bitcoin from within the app itself.

What Is Cash App

As of 2018, you can only add funds to your Cash App with a debit card. However, if you have an eligible Visa or MasterCard in your name, you can add it as a payment method in order to pay other people or merchants. More information on how to set up your credit cards is below. 

Keep in mind that adding a credit card to your Cash App may increase your chances of fraud or identity theft because anyone who has access to your account can make changes without needing physical access to your wallet. Here’s what you need to know about using a credit card on Cash App:

Can you use a credit card on Cash App?

Users of Cash App can effectively use credit cards to send money and pay bills, but you first have to link your bank or card to your Cash App account. You need to link your bank account or your debit or credit card in order to send money. Still, one can receive money without linking their bank account. It is possible to link multiple bank accounts with your app. 

However, only one bank account can be linked to sending money at any given time. This means that if you want to send money using another linked bank account, then you will have to unlink it from your current sending profile before re-linking it with another profile.

How to use credit card on Cash App

By linking your debit or credit card to your Cash App account, you can easily transfer funds from your linked account into your Cash App balance. Simply follow these steps 

  • 1) Open up your Cash App and tap on Menu in the upper left corner of your screen. 

Then select Settings and then Linked Cards. (If you have multiple cards already linked, you will see them here.) Once there, enter in all of your information again and click submit. 

  • 2) After that, you’ll receive an email with a link to confirm your identity. Clicking that link will take you back to the app where you’ll be asked to verify your identity once more using Face ID or Touch ID. Once verified, you’re good to go! Your new card is now linked!
  • 3) If for some reason it doesn’t work at first, try restarting your phone and trying again as sometimes it takes a couple tries for it to work properly. 4) You can also unlink a card if you decide to no longer want it linked. To do so, simply open up your settings menu and scroll down until you find Linked Cards and then select Unlink Card. From there, just follow the same process as above. 5) Now when you go to send money through Cash App, you’ll have a choice between sending money from your bank account or from one of your linked cards. 6) It is important to note that any time you send money through Cash App using a card instead of a bank account, it will cost $0.25 per transaction which is automatically added onto the total amount being sent.

Link Your Credit Card

First, you will need to link your credit card to Cash App. To do so, go into your wallet and click Add Credit Card. After doing so, confirm with your bank. This process can take up to 3 days, depending on your bank’s policy. Once confirmed, you should see that it is linked in under My Cards in your wallet. 

You are now ready to spend! However, there are some things to keep in mind before buying: When purchasing something in Cash App, make sure you have enough money in your account. If not, funds will be pulled from your linked bank account. 

It takes 2-3 business days for payments to be posted from banks, so if you purchase something with a check or debit card, it may take 2-3 business days for those funds to show up as available balance. For more information about using your credit card on Cash App, please read their FAQs. 

Transfer between balances

When you have more than one balance in your account, you can easily transfer money between them. Just tap Transfer from Balance and choose which balance you want to move money from. 

After it’s gone, it’s gone for good. So make sure that before you do it—you know exactly what balance you’re tapping into! Also, if you decide to send money to someone using a different payment method or send money back out of your Cash App after moving it into another balance, we will charge a fee. 

The fee is $0.25 per transaction plus 1% of the amount sent (minimum $1). You can always avoid fees by keeping all your funds in one balance. If you’d like to learn more about our fees, check out our Help Center.

READ MORE: What are the Dangers of Using Cash App?

READ MORE: How Do I Withdraw Money from Cash App without Card

READ MORE: Can I Link Cash App to My Bank Account?


With so many different ways of paying for products and services out there, it’s more important than ever that you understand how using your credit card through Cash App actually works. Once you get comfortable with using your credit or debit card, consider adding money to your account via bank transfer. This is typically done through Zelle which is similar to Venmo in structure, but allows you to add funds directly from your bank account rather than utilizing cash or another payment option.

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