Cash App Card Review 2026

Name: Cash App Card
Brand: Visa
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

3.1 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodyCustodial

NetworkVisa Debit

CashbackWeekly offers (no flat rate)

RegionsUnited States

Fees and limits

Issuance fee	Free first card; a new design or a replacement costs $5 for the standard card and $50 for the metal card
Annual fee	Free
FX fee	3% on purchases with merchants outside the US The fine print Waived on in-person purchases until the end of the following month after a month with $500 of card spending or $300 of paycheck deposits
ATM limit	$2.50 fee (+ operator); free in-network with Green status ($500/mo card spend or $300/mo paycheck); $1,000 per transaction/day/week
Spending limit	$7,000 per purchase and per day, $10,000 per 7 days, $25,000 per 30 days; ATM and cash back $1,000 per day and per week

Fees change; the current ones are in Cash App’s terms.

Features

Cashback: No flat rate: personalized weekly cash-back offers at select merchants, paid as USD credits
Custody: Custodial: Block holds bitcoin 1:1 in full reserve and does not lend it; bitcoin can be withdrawn to your own wallet
KYC: Yes
Card type: Virtual and physical, with customizable designs
Top up with: USD balance: bank/debit top-up, paycheck direct deposit, cash deposits
Full list
- BTC must be sold to USD before card spending
- BTC deposits/withdrawals to own wallet supported on-chain and via Lightning
Available countries: United States

Who issues the Cash App Card

The Cash App Card is issued by Sutton Bank, USA (Ohio). The issuer is named in the source linked below.

Primary source · All cards issued by Sutton Bank · Why the issuer matters

Pros and cons

Pros

✓
No monthly fees
The fine print
- No-fee, no-spread bitcoin buys via Auto Invest, Round Ups and paycheck-in-bitcoin
- Bitcoin withdrawals to your own wallet, including over Lightning
- Full-reserve 1:1 bitcoin custody
- FDIC pass-through on USD
- Issuers disclosed (Sutton Bank, The Bancorp Bank)
- Free in-network ATMs and foreign fee waived in person with Green status
No card issuance fee
No annual maintenance fee

Cons

✗
US-only
The fine print
- The card spends USD only, so bitcoin needs a manual sell first
- $2.50 ATM fee without Green status
- 3% foreign transaction fee, waived only in person and only with Green status
- Bitcoin is the only crypto you can hold, and stablecoins exist only as a USD-funded withdrawal to an outside address
- ATM cash capped at $1,000 a week
- No flat cashback
No IBAN or SEPA account

Regional availability

Available in the United States

The Cash App Card is for US residents: United States.

Card overview

The Cash App Card is a free US-only Visa debit card, virtual and physical, and the crypto angle is thinner than the name suggests: it spends the dollars in your Cash App balance, not bitcoin. Buying, holding, and withdrawing bitcoin to your own wallet, including over Lightning, all live in the app as a separate feature. Bitcoin is the only crypto you can hold there; stablecoins exist only as a USD-funded withdrawal to an outside address. None of it funds a purchase at checkout.

The card itself is issued by Sutton Bank and The Bancorp Bank, and the dollar balance carries FDIC pass-through coverage. There is no monthly or annual fee to hold it, and the first card is free; a new design or a replacement costs $5, or $50 for the metal card. Cashback comes as personalized weekly offers at select merchants, paid as USD credits. Bitcoin buys through Auto Invest, Round Ups and paycheck deposits carry no fee and no spread.

Savings pays 1.5% interest, or 3.5% in any month with Green status, which takes $500 of Cash App Card spending a month, but savings money has to move to the Cash App balance before the card can spend it. Abroad it costs 3% on purchases with merchants outside the US, waived only in person and only after a month with $500 of card spending or $300 of paycheck deposits. ATM withdrawals cost $2.50 plus the operator's fee, free in-network only with that same Green status, and ATM cash is capped at $1,000 a week. Spending is capped at $7,000 a day and $25,000 per 30 days.

Best fit: US Cash App users who want a free everyday fiat card with occasional merchant offers and an easy on-ramp to buy and hold Bitcoin
Wrong card if: you want to spend crypto at checkout or use it outside the US

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Cash App is the biggest bitcoin on-ramp in America wearing a debit card, and the honest framing is exactly that order: the card spends dollars, full stop, and the bitcoin features (Round Ups, paycheck conversion at 0% fee, Lightning sends to your own wallet) live around it rather than in it. For a US bitcoiner who dollar-cost-averages anyway, those zero-fee buy routes quietly beat ad-hoc purchases. Mind the small print: ATM cash costs $2.50 and is capped at $1,000 a week, and purchases abroad carry a 3% fee that Green status waives only when you pay in person.
One research note: cash.app aggressively blocks automated access, so our figures come from the Sutton Bank card agreement and archived official pages.

Common questions about the Cash App Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Cash App Card?

The one charge on the Cash App Card is its FX fee: 3% on purchases with merchants outside the US. No annual fee and no issuance fee (first card).

Is the Cash App Card legit, and who is behind it?

The issuer of record for the Cash App Card is Sutton Bank, USA (Ohio), named in the terms published at suttonbank.com.

Is the Cash App Card worth it?

Best fit for the Cash App Card: US Cash App users who want a free everyday fiat card with occasional merchant offers and an easy on-ramp to buy and hold Bitcoin. Wrong card if you want to spend crypto at checkout or use it outside the US. Spending in another currency costs 3%.

Where is the Cash App Card available?

Cash App Card: United States only.

What are the Cash App Card's ATM and spending limits?

ATM: $2.50 fee (+ operator); free in-network with Green status ($500/mo card spend or $300/mo paycheck); $1,000 per transaction/day/week. Daily spending: $7,000 per purchase and per day, $10,000 per 7 days, $25,000 per 30 days; ATM and cash back $1,000 per day and per week.