The Cash App is a popular mobile payment service that allows users to easily send, spend, and invest money right from their smartphone. One of the key features of Cash App is the free Cash Card – a customizable debit card that connects directly to your Cash App balance. With a Cash Card, you can spend the money in your Cash App account in stores, online, or withdraw it from ATMs.
If you want the convenience of paying with your Cash App balance in brick-and-mortar stores, here is a step-by-step guide on how to apply for and receive a physical Cash Card:
Table of Contents
Ordering a Cash Card
To order a free Cash Card:
- Open the Cash App on your phone
- Tap the profile icon in the top-left corner
- Scroll down and tap on “Cash Card”
- Press “Get Cash Card”
- Tap “Continue” and follow the instructions to order your card
You’ll need to enter some basic personal information like your name, date of birth, and mailing address. As long as you have a verified Cash App account, are over 18 years old, and enter valid info, you should have no issues ordering a Cash Card.
Once you submit your card order, your Cash Card will be free and arrive within 10-14 business days. You can track the status of your card order within the app.
Activating Your Cash Card
When your Cash Card arrives in the mail, you’ll need to activate it before you can start using it. There are two ways to activate your card:
Using the QR Code
- Open the Cash App
- Tap the Cash Card tab
- Press “Activate Cash Card”
- Scan the QR code on your physical card with your phone’s camera
- Follow the prompts to activate
Entering Card Details Manually
If you’ve lost the QR code, you can still activate your card by entering the details manually:
- Open the Cash App
- Tap on your profile and select “Cash Card”
- Press “Activate Cash Card”
- Select “Activate without QR Code”
- Enter your card information like the card number, expiration date and CVV
- Follow the instructions to complete activation
Once the card is successfully activated, you’ll get a confirmation in the app and can start using it right away.
Using Your Cash Card
Your Cash Card works just like any other Visa debit card. You can use it to:
- Shop online or in stores – Use your card anywhere Visa is accepted by tapping or swiping your card. You don’t need to carry a separate wallet or cards.
- Get cash from ATMs – Withdraw money from your Cash App balance using your Cash Card at any ATM.
- Pay with mobile wallet – Add your Cash Card to Apple Pay, Google Pay, Samsung Pay or other digital wallets to pay on the go.
- Track spending – View all your Cash Card transactions in one place within the Cash App. This helps you monitor purchases and manage budgets.
When making purchases with your Cash Card, the funds will automatically deduct from your Cash App balance. If you don’t have enough funds in your Cash App account, your purchase may be declined.
So before spending with your Cash Card, be sure to transfer funds into your Cash App or link a bank account for overdraft protection.
Cash Card Transaction Limits
While the Cash Card offers convenience and flexibility, there are some transaction limits you should keep in mind:
- Daily limit – $7,000 per day
- Weekly limit – $10,000 per week
- Monthly limit – $15,000 per month
These limits reset at midnight Pacific Time each day, Saturday night each week, and on the last day of each month. The limits apply to all types of Cash Card transactions including purchases, ATM withdrawals, etc.
If you plan to make a large purchase that exceeds the limits, you can contact Cash App support to temporarily increase your limit. Just be aware that all attempted transactions, whether approved or declined, will count toward your total limit.
Cash Card Fees
One of the best things about the Cash Card is that there are no monthly fees, no minimum balance requirements, and no overdraft fees. However, there are a few fees to keep in mind:
- ATM withdrawal fee – Cash App charges $2.50 for ATM withdrawals in addition to any fees the ATM owner may charge. This fee is waived if you received $300 or more in direct deposits to Cash App in the previous 31 days.
- Paper money deposit – Depositing paper money into your Cash App balance costs a flat $1 fee per deposit. This is deducted from the money you add.
- Card replacement – If you need to order a replacement card for any reason, your first replacement is free but additional replacements cost $5 each.
So if you avoid ATM fees by direct depositing funds and are careful not to lose your card, you can use an extremely functional debit card completely free!
Security Features
Cash Card utilizes the latest security features to help keep your money and information safe. These include:
- FDIC insurance – Up to $250,000 is insured by the FDIC in case Cash App fails for some reason.
- Chip card technology – Cash Cards have an EMV chip for enhanced security at chip-enabled terminals.
- Tokenization – Your actual card number is replaced with a digital token for safer online shopping.
- Fraud monitoring – Cash App monitors your account for suspicious activity and will notify you of anything unusual.
You can also set up optional security features like custom PINs and contactless payment limits to better protect your card.
If your Cash Card is ever lost or stolen, you can instantly lock or cancel your card right from the Cash App and order a replacement.
So in summary, the Cash App Cash Card offers the flexibility to spend your Cash App balance in stores with the convenience of a mobile wallet, all with fraud protection and minimal fees. Just order your card, activate it, and start enjoying the benefits of linking your online funds to real-world spending!
