Cash App does not currently offer its own credit card
Cash App, owned by Block (formerly Square), does not issue a branded credit card. You cannot open a Cash App credit card account through the app or Cash App's website. If you see advertisements or websites claiming to offer a "Cash App credit card," they are not legitimate Cash App products.
Cash App does offer a Cash Card, which is a debit card linked directly to your Cash App balance. This is different from a credit card — it draws money from your Cash App account rather than borrowing money you pay back later. Understanding the difference matters because the two products work in completely different ways and carry different protections.
Cash App also partners with certain financial institutions to offer other products, but none of these are credit cards issued under the Cash App name. If you are looking for credit-building options or a way to borrow money through Cash App, you need to know what is actually available.
Key Takeaways
- Cash App does not offer a credit card product; the Cash Card is a debit card that pulls from your Cash App balance.
- Scams claiming to offer "Cash App credit cards" are not legitimate and should be reported to Cash App support.
- Cash App does offer a small short-term loan product called Cash App Loans, but this is not a credit card.
- If you want to build credit history, a credit card from a traditional bank or credit union is a better option than any Cash App product.
- The Cash Card itself has no annual fee and works like a prepaid debit card at any merchant that accepts Visa.
What the Cash Card actually is
The Cash Card is a Visa debit card issued by Cash App. When you order one through the app, it arrives in the mail within 7 to 10 business days. The card is linked to your Cash App balance, so you can only spend money you have already loaded into the app.
You can use the Cash Card anywhere Visa is accepted — online, in stores, and at ATMs. There is no annual fee. However, because it is a debit card, not a credit card, it does not build your credit history. Transactions do not appear on your credit report, and missed payments are not possible because you can only spend what you have.
The Cash Card comes in different versions depending on your Cash App account type. Standard Cash Cards are free. Cash App also offers a paid subscription called Cash App Cash, which includes a customizable Cash Card design and other perks, but the card itself functions the same way.
Cash App Loans and short-term borrowing
Cash App does offer a small loan product called Cash App Loans, but this is not a credit card. If you are may be able to access, you can borrow between $20 and $200 directly through the app. The loan appears as a separate transaction in your Cash App account.
Cash App Loans charge interest and fees, and the terms vary based on your account history and creditworthiness. The loan is repaid automatically from your Cash App balance on the due date. Like the Cash Card, these loans do not build your credit history because Cash App does not report them to the three major credit bureaus.
Cash App Loans are not available to all users. may be able to access depends on your account age, transaction history, and other factors that Cash App evaluates internally. If you do not see the Loans option in your app, you are not currently may be able to access.
Why scams claim to offer Cash App credit cards
Fraudsters create fake websites and social media accounts claiming to offer "Cash App credit cards" because the Cash App brand is recognizable and trusted. These scams typically ask you to pay an upfront fee, provide personal information, or click a link that steals your login credentials.
If you encounter an offer for a Cash App credit card online, it is a scam. Report it to Cash App by opening the app, tapping your profile icon, selecting "Support," and reporting the fraudulent account or website. You can also report it to the Federal Trade Commission at reportfraud.ftc.gov.
Legitimate Cash App products are only available through the official Cash App mobile app or the official Cash App website. Cash App will never ask you to pay money upfront to open an account or order a card.
How to build credit if you need a real credit card
If your goal is to build credit history, you need an actual credit card from a bank, credit union, or credit card company — not a Cash App product. Credit cards report your payment history to Equifax, Experian, and TransUnion, which affects your credit score.
If you have limited or poor credit history, look for a secured credit card. You deposit money with the card issuer (usually $200 to $2,500), and that becomes your credit limit. You use the card like a regular credit card, make monthly payments, and the issuer reports your activity to the credit bureaus. After 6 to 18 months of on-time payments, many issuers convert the card to an unsecured card and return your deposit.
Banks and credit unions often offer secured cards with lower fees than online-only issuers. Your own bank may have a secured card product even if you do not currently have a credit card with them. Call and ask, or visit their website to compare options.
Cash App's actual features and limits
Cash App is designed for peer-to-peer money transfer and basic spending, not for credit building or borrowing large amounts. Here is what Cash App actually does: you load money into your account from a linked bank account, send money to other Cash App users, pay bills, and spend using the Cash Card.
Cash App has daily and weekly spending limits that vary by account age and verification status. New accounts have lower limits. You can increase your limits by verifying your identity with your full name, date of birth, and the last four digits of your Social Security number.
Cash App also offers features like direct deposit, stock and Bitcoin trading, and bill pay, but none of these are credit products. If you are looking for credit specifically, Cash App is not the right tool.
Frequently Asked Questions
Is there a way to get a credit card through Cash App?
No. Cash App does not offer credit cards. The only card product is the Cash Card, which is a debit card. If you want to build credit, you need to open a credit card account with a bank, credit union, or credit card company.
Will using the Cash Card help my credit score?
No. The Cash Card is a debit card, so transactions do not appear on your credit report. Your credit score is only affected by credit products like credit cards, loans, and lines of credit that you borrow money from and repay.
What should I do if I see an ad for a Cash App credit card?
It is a scam. Do not click the link, do not provide your information, and do not pay any fee. Report it to Cash App through the app's Support section and to the Federal Trade Commission at reportfraud.ftc.gov.
Can I use Cash App Loans to build credit?
No. Cash App Loans do not report to credit bureaus, so they do not build your credit history. They are short-term loans only, and they are not a substitute for a credit card if your goal is to establish credit.
What is the difference between the Cash Card and a credit card?
The Cash Card is a debit card that spends money you already have in your Cash App account. A credit card borrows money from the card issuer, which you repay monthly. Credit cards build credit history; debit cards do not.