Cash App Cash Card review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cash App Cash Card charges a monthly fee of $0 and pairs its wallet with a savings balance paying 1.5% to 3.5%, so it suits people who keep spending and saving in one app. Deposits sit under FDIC up to USD 250,000, which keeps the money side simple to check.
Key facts
- Best for
- A no-fee card with an easy-access savings balance in the same app.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Transfer fee
- Free P2P sends↗
- Legal entity
- Block, Inc.↗
- Headquarters
- United States↗
- Founded
- 2013↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- cash.app
Pros and cons
Pros
- The card runs on a no monthly fee basis, with a monthly charge of $0 and Free P2P sends between peers.
- Savings pays 1.5% to 3.5% on a variable rate, and money moves back to the cash balance instantly with no monthly cap on transfers.
- Cash machine withdrawals come with the card, listed under free atm.
- Support runs on phone and help centre.
Cons
- Savings are easy access, so the balance is spendable straight away rather than tied up for a term.
- Interest is variable: the 1.5% to 3.5% band is not fixed in advance, so returns follow the base rate.
- Support runs on phone and help centre only.
Who it suits
- People in the US already paying peers who want a card with a monthly fee of $0.
- Savers keeping a small easy-access balance, where the minimum deposit is $1 and the rate is variable.
- Users who take money out at cash machines, since free atm is included.
Who should look elsewhere
- Readers after a fixed-term product: Cash App Cash Card pays a variable rate on easy access terms, so XTB is the one to compare instead.
- Readers holding euros: the minimum deposit here is $1 in US dollars, so AXI Card Tarjeta y Credito or Skrill sits closer to that need.
How Cash App Cash Card compares
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.0
8.8 vs 8.9
8.8 vs 9.1
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8.8 vs 8.7
8.8 vs 9.0A monthly fee of €0 in euros, worth a look for anyone keeping a balance outside the US.
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8.8 vs 9.5
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8.8 vs 9.3
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8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.9
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8.8 vs 9.1
Where Cash App Cash Card is available
- Available
- United States
- Licence in United States
- FDIC via Sutton Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee for the Cash App Cash Card?+
Cash App Cash Card runs on a no monthly fee basis, so the monthly charge is $0. Sending money to another person carries no charge either: Free P2P sends. The savings side is easy access rather than a term product, so the return comes from a variable rate on the balance.
Who holds the money, and what protection applies?+
The card is issued by Block, Inc., and the licence names FDIC via Sutton Bank in the US. Deposit protection is FDIC up to USD 250,000, which covers eligible deposits held inside the US banking system rather than outside it.
What interest does the savings balance pay?+
The rate is variable, sitting in the 1.5% to 3.5% band. Because it is variable rather than fixed, the return can move with the base rate. Access is easy access, so money comes back to the cash balance at any time.
How much do you need to put in to start?+
The minimum deposit is $1, so the account is easy to open with a small amount and grow later. The card itself carries a monthly fee of $0. Transfers out of savings run instantly, with no monthly limit on how often you move them.
Can I take cash out at an ATM?+
Cash machine withdrawals are included with the card, listed under free atm. The monthly charge on the card is $0, and the account is easy access, so you can top up or draw down between savings and the balance as needed.
How do I move money in and out?+
Transfers from savings to the Cash balance are instant, and there is no monthly limit on them. Peer-to-peer sends carry no charge: Free P2P sends. If a transfer stalls, support runs on phone and help centre.
Who is this account built for?+
It suits people in the US who already pay friends and family and want a card with a monthly fee of $0. Savers get a variable rate on easy access terms with a minimum deposit of $1. The provider is Block, Inc., founded in 2013.
What account types sit under the app?+
Two things sit in one place: a cash balance with a card carrying a monthly fee of $0, and a savings balance paying 1.5% to 3.5%. The savings side is easy access, so nothing is tied up for a term, and transfers between the two are instant.
Sources
- cash.app checked September 26, 2026
Backs: Features, Transfer fee
“free withdrawals from 40k in-network ATMs”
- cash.app/card checked September 26, 2026
Backs: Deposit protection, Pricing model, Monthly fee, Licences
“The debit card with no monthly or hidden fees - Cash App Card”
- cash.app/savings checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“You can instantly transfer money between your Cash balance and savings anytime. Unlike savings accounts at many banks, there are no limits to how many transfers you can make in a month.”
- cash.app/us/en/legal/card-agreement checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Block, Inc., formerly known as Square, Inc., 1955 Broadway Street, Suite 600, Oakland, CA 94612”
- en.wikipedia.org/wiki/Cash_App checked September 26, 2026
Backs: Founded
“Launched by Block, Inc., in 2013, it allows users to send, receive, and save money; access debit cards”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee, Currencies.
Related by the facts
Cash App Cash Card
A no-fee card with an easy-access savings balance in the same app.