Cash App Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Cash App CardCard Overview
Cash App Card is Block’s customizable Visa debit for the US, attached to the country’s biggest consumer bitcoin app. Spare change rounds up into BTC, paychecks can arrive partly in bitcoin at zero buy fee, and coins move to self-custody free at standard speed — including over Lightning. The card itself spends the USD balance, with personalized weekly merchant offers instead of flat cashback.
This is a Visa crypto card. Available to US residents.
Fees & Limits
| Issuance Fee | Free (black/white styles; premium custom designs cost extra) |
|---|---|
| Annual Fee | Free |
| FX Fee | Not disclosed |
| 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 | $1,000/day (per help-centre snapshot) |
These figures can change. Confirm the current fees, FX and network in Cash App’s official terms before you apply.
Features
- Card Type: Physical + digital wallet use
- Top up with: USD balance: bank/debit top-up, paycheck direct deposit, cash deposits; 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
Banking & Fiat Rails
None (US ACH via account and routing numbers)
Supported Cryptocurrencies
You can load the Cash App Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No — the card spends USD; bitcoin flows in and out of the app on-chain and via Lightning, but must be sold before spending
Who Is the Cash App Card Best For?
The Cash App Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in United States only, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're based in Europe (this card is US-only)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Cash App Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- No monthly fees; 0%-fee BTC buys via Auto Invest, Round Ups and paycheck-in-bitcoin; free standard-speed BTC withdrawals with Lightning support; full-reserve 1:1 BTC custody; FDIC pass-through on USD; issuers disclosed (Sutton Bank, Bancorp); huge install base
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
Cons
- US-only; the card spends USD only — bitcoin needs a manual sell first; market BTC buys under $2,000 cost 0.9-2%; $2.50 ATM fee without Green status; BTC-only (no stablecoins or other assets); low $1,000 card limits; no flat cashback
- Card issuance fee: Free (black/white styles; premium custom designs cost extra)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Cash App Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Cash App account
A few minutesGo to the Cash App website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerCash App runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USD balance: bank/debit top-up, paycheck direct deposit, cash deposits; BTC must be sold to USD before card spending; BTC deposits/withdrawals to own wallet supported on-chain and via Lightning through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Receive and activate your card
Shipping variesYour physical Cash App Card ships to your address — delivery time depends on your country. Activate it in the Cash App app.
Requirements
Regional Availability
Available in the United States
The Cash App Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Common questions about the Cash App Card
What are the fees for the Cash App Card?
Where is the Cash App Card available?
What cryptocurrencies does the Cash App Card support?
What are the Cash App Card's ATM and spending limits?
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