Do you need credit card for cash app

“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced.

Their reviews hold us accountable for publishing high-quality and trustworthy content.

Written by

Nicole Dieker

Written by Nicole DiekerArrow RightPersonal Finance Contributor

Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.

• Connect with Nicole Dieker on Twitter Twitter
• Connect with Nicole Dieker on LinkedIn Linkedin

Nicole Dieker

Holly D. Johnson

Written by Holly D. JohnsonArrow RightAuthor, Award-Winning Writer

Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.

• Connect with Holly D. Johnson on Twitter Twitter
• Connect with Holly D. Johnson on LinkedIn Linkedin

Holly D. Johnson

Edited by

Grace Pilling

Edited by Grace PillingArrow RightEditor

Grace Pilling

Reviewed by

Antonio Ruiz-Camacho

Reviewed by Antonio Ruiz-CamachoArrow RightFormer Senior Director of Content

Antonio Ruiz-Camacho is senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration.

This article explains how to add a credit card to your Cash App account so you can use it to send money.

How to Link a Credit Card to Cash App

Use the Linked Banks area of the app to add a credit card.

1. Tap your profile image at the top to open your account settings.

2. Choose Linked Banks from the list.

3. Select Link Credit Card.
   

4. Enter your credit card details in the spaces provided, and then press Next.

   You'll see a confirmation screen briefly, and then you'll be taken back to your linked banks, now with your credit card listed as well.
   

   Cash App supports cards from Visa, MasterCard, American Express, and Discover.

How to Send Money With a Credit Card on Cash App

If you have a credit card, debit card, and bank account all set up in your account, you might wonder which one Cash App will use when you send someone money. It's easy to pick the specific funding source you want to use for each transaction.

How to Use Cash App on Your Smartphone

Here's how to send money with your credit card:

1. Enter the amount you want to send, and then tap Pay.

2. Pick the recipient(s) who should receive the money.

3. Tap the amount you're sending, located at the top of the app.

4. Choose your credit card from the list.

5. Tap Pay to send money from your credit card.

Can You Use a Credit Card With Cash App?

Following the above steps should let you send money from your credit card. However, there are some things to know if those directions don't work or if you're unsure how Cash App uses your credit card.

• You must add a debit card to your account before you can send cash with a credit card. Doing that is nearly identical to the steps above.
• You can not fund your Cash App balance with a credit card. A debit card is used for that.
• You can not cash out to your credit card. Instead, Cash App offers standard deposits to your bank account and Instant Deposits (subject to a fee) to your debit card.
• A 3 percent charge is added to the payment total when you send money from a credit card. This fee is calculated in real-time, so you'll see the total amount before you're charged.
  

The 8 Best Money-Sending Apps of 2022

FAQ

• Why can't I add a credit card to the Cash App?

  If you can’t link a card on Cash App, make sure you're connected to a network and double-check the information you entered including the card expiration date. If you still have trouble, update Cash App and try again.
  

• How do I remove a credit card on Cash App?

  To remove a credit card on Cash App, tap your Profile icon > Linked Banks, select your card, then tap Remove Card.

• How do I delete my Cash App account?

  To delete your Cash App account, move all funds out of your account, then tap the Profile icon > Support > Something Else > Account Settings > Close Your Cash App Account. Delete the app from your phone once your account is closed.

  Can you use Cash App without a credit card?

  Users can get money off Cash App without a typical credit or debit card by using a Cash App Card. Cash app allows for money withdrawal and other services without a bank account or card.

  Can you use Cash App without a card or bank account?

  No, you don't need a bank account to create a Cash App account or add money to your Cash App balance. There are a number of ways to send and receive money through Cash App if you don't have or want to link your bank account.

  Can you use Cash App without a card at a store?

  So, how do you pay with Cash App in-store without a card? Short answer: With contactless pay, customers can use mobile payment apps, including Cash App, for in-store purchases. You'll need to link your bank account to your Cash App account to make payments via Cash App without a card.

  How do I link Cash App without credit card?

  Add Bank Account.

  Tap the Profile Icon on your Cash App home screen..

  Select Linked Banks..

  Tap Link Bank..

  Follow the prompts..