Cash App Cash Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cash App Cash Card fits people who want a single app for a debit card, savings and small share buys. The account fee is $0 and the minimum deposit is $1, so entry costs almost nothing. Crypto trading inside it costs more and covers a narrow coin list.
Key facts
- Best for
- Free debit card, instant savings and small share buys in a single app.
- Minimum deposit
- $1↗
- Stock trade fee
- $0↗
- Account fee
- $0↗
- Markets
- Stocks, ETFs, Crypto↗
- Regulators
- FINRA, SIPC↗
- Investor protection
- SIPC up to USD 500,000↗
- Interest on cash
- 3.5%↗
- Legal entity
- Cash App Investing LLC↗
- Headquarters
- United States↗
- Founded
- 2013↗
- Support channels
- Help-centre↗
- Features
- Fractional shares, Crypto, Mobile app
- Pricing model
- Commission-free
- Audience
- Kids
- Official website
- cash.app
Crypto exchanges
Savings
Credit cards
Crypto wallets
Facts checked September 26, 2026, 8 sources
Pros and cons
Pros
- Stock trades run at $0 on commission free terms, so buying shares adds no dealing cost.
- Savings is listed as easy access, with instant transfers to the Cash balance and no monthly limit.
- A debit card on the visa network, with cashback and concert presales among the cash back offers and concert presales access.
- Investor protection of SIPC up to USD 500,000 on the investment side and FDIC up to USD 250,000 on cash.
Cons
- Support runs on help centre only, so help depends on written answers in the app.
- Crypto trades cost 0% to 2%, while the site median for taker fees sits at 0.25%.
- Bitcoin is held in a custodial wallet and no proof of reserves is published.
Who it suits
- People starting out in shares, with entry from $1 on commission free terms.
- Households keeping spare cash in savings, since transfers to the Cash balance are instant with no monthly limit.
- Parents setting up spending for a child, since the stated audience is kids.
Who should look elsewhere
- Readers who want an account priced in euros rather than a US product, where bunq sets its floor at €10.
- Anyone chasing a wider coin list than 1 coin, where CFI asks for a minimum deposit of $0 instead.
- Anyone wanting a credit product rather than a debit card, where Fiesta Credito MX answers to CONDUSEF for borrowing.
The company behind it
Cash App Investing LLC is the entity behind the account, headquartered in the US and founded in 2013. It is a US operation, and support runs through a help centre, so questions get answered in the app rather than by phone.
How Cash App Cash Card compares
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.3
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 8.7
9.1 vs 8.6
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.8
Where Cash App Cash Card is available
- Available
- United States
- Licence in United States
- FINRA, checked September 26, 2026
- Licence in United States
- SIPC, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the account and buy shares?+
The account fee is $0 and the card costs $0 a year, so holding costs nothing on the fees side. Stock trades run at $0 a trade, and the smallest opening position starts from $1.
How is the money protected?+
Investments sit with Cash App Investing LLC, whose regulators are FINRA and SIPC, and investor protection is stated as SIPC up to USD 500,000. Cash held in the account balance carries separate deposit protection of FDIC up to USD 250,000, so each side of the app runs on a different scheme.
How does the savings balance work?+
Savings pays a variable rate of 1.5% to 3.5%, with cash interest shown at 3.5%. Money moves instantly from savings to the Cash balance with no monthly limit on transfers, so it behaves as an emergency buffer rather than a locked term.
What does buying crypto cost and how many coins are there?+
The coin list holds 1, held in a custodial wallet, and derivatives are not offered. Crypto trades cost 0% to 2%, while the site median for taker fees sits at 0.25%, and the stated bitcoin withdrawal fee is 0 standard bitcoin withdrawal.
How do you fund the account, and what platform is it?+
The wallet is a mobile one, and the listed features cover fractional shares, crypto and mobile app, with markets limited to stocks, etfs and crypto. Adding cash runs by bank transfer, so the app leans on an existing bank account. Trades in shares run on commission free terms.
What card comes with the account and what does it pay?+
It is a debit card on the visa network, so spending comes out of the balance rather than a credit line. Rewards type is cashback, at weekly custom cash back offers, and other listed benefits include cash back offers and concert presales access.
Who is the account built for?+
The stated audience is kids, and everything runs in a mobile app, so parents setting up a card and savings for a child are the clearest fit. Adults buying alone can start from a minimum deposit of $1.
Sources
- blog.usro.net/2025/05/who-owns-cash-app-and-how-it-works checked September 26, 2026
Backs: Founded
“Launch Date: October 15, 2013, Original Name: Square Cash”
- cash.app checked September 26, 2026
Backs: Deposit protection, Wallet type
“Send money for free”
- cash.app checked September 26, 2026
Backs: Audience
“Get Cash App for families - Cash App Card main retail product”
- cash.app/bitcoin checked September 26, 2026
Backs: Coins listed, Coins supported, Custody, Derivatives, Exchange type, Fiat deposit methods, Proof of reserves
“Cash App is designed for bitcoin, not memecoins or risky tokens - main retail product: bitcoin”
- cash.app/bitcoin/fees checked September 26, 2026
Backs: Maker fee, Taker fee, Withdrawal fee
“Market Buy/Sell $1-499: 2.0%, $2000+: 0% - main retail product: bitcoin”
- cash.app/card checked September 26, 2026
Backs: Account fee, Annual fee, Card type, Monthly fee, Card network, Perks, Price, Rewards rate, Rewards type, Support channels
“The debit card with no monthly or hidden fees - Cash App Card”
- cash.app/savings checked September 26, 2026
Backs: Access terms, Account kind, Interest on cash, Headline rate, 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/stocks checked September 26, 2026
Backs: Features, Investor protection, Legal entity, Markets, Minimum deposit, Pricing model, Regulators, Stock trade fee, Licences
“Turn spare change into stocks using Round Ups when you pay with your Cash App Card”
- cash.app/us/en/legal/card-agreement checked September 26, 2026
Backs: Headquarters
“Block, Inc., 1955 Broadway Street, Suite 600, Oakland, CA - Cash App Prepaid Card Program”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Retail accounts that lose money.
Cash App Cash Card
Free debit card, instant savings and small share buys in a single app.