How to Add a Credit Card to Cash App

Cash App has become one of the most convenient applications. It lets you send and receive money to and from family and friends. This could be useful for situations when someone doesn’t have actual cash. But to be able to withdraw from Cash App, you must link a credit card to your Cash App account.

So, how to add a credit card to Cash App? Learn everything there is to know in this article.

Can You Link a Credit Card to Cash App?

You can link major credit cards like American Express, MasterCard, Visa, and Discover to Cash App, but you must first add a debit card or bank account. Initially, this feature wasn’t available, but it was introduced for added convenience. Linking allows you to transact without exposing sensitive bank or card details. While you can receive money without linking a card, you can’t send funds or cash out, making linking crucial.

How to Add a Credit Card to Your Cash App

After activating Cash App, you’ll need to link a credit card to deposit or withdraw funds. Ensure you have your card details (expiration date, number, and secret code) ready. Enter them carefully into Cash App; even minor errors will prevent linking. It’s advisable to double-check your inputs. Here’s how to link your credit card to Cash App:

1. Open Cash App and ensure you’re logged in.

2. Tap the “my cash” or banking button with the $ sign.

3. Below the bitcoin and cash tab, select the credit card option.

4. Enter your credit card number, CVV, and expiration date.

5. Follow on-screen instructions and tap “add card.”

6. Confirm with Touch ID or PIN, then return to the homepage.

Your credit card is now linked for transactions on Cash App.

What to Do If You Can’t Link Your Credit Card to Cash App

You’ve learned how to use Cash App. However, there are times when you might face issues, such as being unable to link your credit card to your Cash App. Here’s what you need to know:

Reasons for Linking Failures

• Type of Card: While Cash App supports most U.S. government-authorized credit and debit cards, it doesn’t accept certain cards like prepaid or gift cards.
• Bank Restrictions: Banks have their terms and conditions. Some cards might not be compatible with Cash App due to these. For instance, some banks might charge a fee for linking, preventing Cash App from accepting it.
• Incorrect Details: Entering wrong card details, even a minor typo, can prevent you from linking the card.

Error Messages

• If your card isn’t supported due to additional fees by the issuing bank, Cash App will display: “This card is not supported because the issuing bank charges cardholders additional fees. Please add another card.”

Troubleshooting Steps

• Check Card Type: Ensure your card is supported by U.S. banks.
• Card Validity: Check if your card is expired or deactivated.
• Verify Details: Ensure you’ve entered the correct card information and that it hasn’t been temporarily put on hold.

If all else fails, you might need to consider using a different credit card or contacting Cash App support for further assistance.

How to Link Your Bank Account to Your Cash App

Since you need to add your bank account to Cash App before you link your credit card, it’s essential to know the right steps to take. Here is what you need to do:

1. Go to Cash App on your phone.

2. Then, look for the “My Cash” tab and go there.

3. Click the “+Add Bank” option that you can find under the “Cash and Bitcoin” option.

4. Choose “Add Card” to link immediately. If you lack a debit card, select “No Card?” and add your bank account.

5. Pick the name of the bank from the list.

6. Enter your online banking credentials and follow on-screen instructions to link the bank account.

After linking your bank account to your Cash App, you can proceed with adding your credit card.

Best Lenders for Personal Loans

Avant (Best for Quick Approval)

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on partner page

Avant Personal Personal Loan

4.0

Stilt’s lender ratings reflect the findings and opinions of our editorial staff. Our scoring methodologies consider a wide array of factors and data points for every lender, offering, and financial solution.

Min. credit score

550

Fixed APR

9.95-35.99%

Variable APR

N/A

View details

Overview

• Minimum credit score: 550.
• Fixed APR: 9.95-35.99%.
• Loan amounts: $2,000-$35,000.
• Repayment: 1 to 5 years..

Qualifications

• Strong credit and income may secure lower rates, but not mandatory.
• Must possess a bank account in good standing under your name.
• A valid Social Security number is required.
• Bankruptcy should not be active.
• Minimum credit score of 550; using FICO score version 8 and VantageScore version 3.
• Minimum monthly net income: $1,200 from various sources including employment, alimony, retirement, child support, and Social Security payments.

Pros

• A dedicated mobile app is available for loan management.
• Offers a diverse selection of repayment terms.
• Customer service is accessible seven days a week.

Cons

• An origination fee might be applicable.
• They don’t offer co-signed, joint, or secured loan options.
• Direct payments to creditors aren’t available for debt consolidation loans.

AmOne (Best of Low Credit Score)

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on website

AmOne Personal Loan

4.5

Stilt’s lender ratings reflect the findings and opinions of our editorial staff. Our scoring methodologies consider a wide array of factors and data points for every lender, offering, and financial solution.

Min. credit score

600

Fixed APR

3.99%-35.99%

Variable APR

N/A

View details

Overview

• Minimum credit score: 600.
• Fixed APR: 3.99%-35.99%.
• Loan amounts: $1,000 to $50,000.
• Repayment: 1 to 7 years.

Qualifications

• Must be at least 18 years old.
• Must be a U.S. citizen or permanent resident.
• While there’s no specific income requirement, a consistent source of income is essential for the applicant.

Pros

• Suitable for individuals with lower credit scores.
• No cost for the matching service.
• Attractive loan rates.

Cons

• Acts as an intermediary, not a direct lender.
• Risk of multiple contacts from prospective lenders.
• Lack of clarity on lender details.

Upstart (Best for Fair Credit Score)

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on website

Upstart Personal Loan

4.5

Stilt’s lender ratings reflect the findings and opinions of our editorial staff. Our scoring methodologies consider a wide array of factors and data points for every lender, offering, and financial solution.

Min. credit score

None

Fixed APR

4.60-35.99%

Variable APR

N/A

View details

Overview

• Minimum credit score: None.
• Fixed APR: 4.60-35.99%.
• Loan amounts: $1,000-$50,000.
• Repayment: 3 or 5 years.

Qualifications

• Hold U.S. citizenship or possess permanent residency.
• Be a minimum of 18 years old in the majority of states.
• Provide a valid email address and Social Security number.
• Be currently employed full-time or starting a full-time job within the next six months.
• Maintain an active bank account with a recognizable routing number.
• Not have declared bankruptcy in the past year.
• Ensure no delinquencies are present on their current credit reports.
• Record fewer than six hard credit inquiries in the past six months, excluding inquiries for student, auto, or mortgage loans.

Pros

• Welcomes first-time credit users.
• Provides quick fund disbursement.
• Allows flexibility in adjusting payment due dates.
• Offers pre-qualification through a soft credit inquiry.
• Customer support available seven days a week.

Cons

• Origination fee may apply.
• Does not offer joint, co-signed, or secured loan options.
• Lacks a mobile application for loan management.
• Limited to two loan repayment terms.

OneMain Financial (Best for Good Rates)

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on website

OneMain Financial Personal Loan

4.5

Stilt’s lender ratings reflect the findings and opinions of our editorial staff. Our scoring methodologies consider a wide array of factors and data points for every lender, offering, and financial solution.

Min. credit score

None

Fixed APR

18.00-35.99%

Variable APR

N/A

View details

Overview

• Minimum credit score: None.
• Fixed APR: 18.00-35.99%.
• Loan amounts: $1,500-$20,000.
• Repayment: 2 to 5 years.

Qualifications

• Must possess a Social Security number or individual taxpayer identification number.
• Minimum age: 18 in most states.
• No set minimum credit score, but some credit history is preferable.
• No specific minimum income, but must cover personal expenses and the loan’s monthly payment.

Pros

• Flexibility to select and modify your payment date.
• Offers both joint and secured loan options.
• Provides quick loan disbursement.
• Enables direct payments to creditors for debt consolidation.
• Comes with a seven-day policy for loan cancellation.

Cons

• Interest rates are relatively high compared to competitors.
• An origination fee is applicable.
• Doesn’t offer any rate discounts.
• Offers a restricted range of loan amounts.
• APR is not displayed during pre-qualification.

SoFi (Best for Good Credit Score)

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on partner page

SoFi Personal Loan

5.0

Stilt’s lender ratings reflect the findings and opinions of our editorial staff. Our scoring methodologies consider a wide array of factors and data points for every lender, offering, and financial solution.

Min. credit score

600

Fixed APR

8.99-35.99%

Variable APR

N/A

View details

Overview

• Minimum credit score: 660.
• Fixed APR: 8.99-29.99%.
• Loan amounts: $5,000-$100,000.
• Repayment: 2 to 7 years.

Qualifications

• Targets borrowers with good to excellent credit; fair credit may qualify.
• Minimum credit score of 660.
• At least two years of credit history.
• Proof of sufficient income sources or employment offer starting in less than 90 days.
• Must be a U.S. citizen, a permanent resident, or a visa holder (J-1, H-1B, E-2, O-1, or TN).

Pros

• Soft credit check is available for pre-qualification.
• Offers high loan amounts.
• 0.25% rate reduction for auto pay.
• No origination fee.
• No prepayment penalty.

Cons

• Minimum 660 credit score required.
• Minimum $5,000 loan amount.

Read More

• How to Get a Cash App Refund
• How to Withdraw Money from Cash App
• How to Close a Cash App Account
• Activate Cash App Card – A Step-by-Step Guide
• Where Can I Load My Cash App Card?

Final Thoughts

If you know what Cash App is and want to use it, you must know how to link a credit card to it. Use the instructions in this post and you will have no issues. We hope the tips we provided will prove useful.

Adding a Credit Card to Cash App: Common FAQs

When it comes to adding a credit card to your Cash App account, users often have questions. Here are some of the most common queries:

Can You add money to a Cash App card from a credit card?

Adding money to a Cash App is not possible without a credit card. The only way to get money on your Cash App account without a card is by requesting it from friends and family or by transferring funds from debit cards.

How do I add a credit card to my Cash App account?

To add a credit card to your Cash App account, open the app, tap on the “My Cash” tab on the bottom left corner, then select “+ Add Credit Card.” Follow the prompts to enter your credit card information.

Can I add more than one credit card to my Cash App account?

No, you can only link one debit card or credit card to your Cash App account at a time. If you want to add a different card, you must first remove the existing one.

Why can’t I add my credit card to my Cash App account?

You might not be able to add your credit card if it’s not supported by Cash App, if your card information was entered incorrectly, or if there’s an issue with your bank. Check your card details and try again. If the problem persists, contact Cash App support or your bank.

Is there a fee for using a credit card on Cash App?

Yes, Cash App charges a 3% fee for sending money using a credit card.

Can I use my credit card to add cash to my Cash App account?

No, as of my knowledge cutoff in September 2021, you cannot use a credit card to add cash to your Cash App account. You can only use a linked debit card or bank account to add funds.

Why Can’t I link My credit card to Cash App?

You may be unable to add your credit card because you entered the wrong information, you’re linking an unsupported card or your card is expired or deactivated.

Are credit cards better than debit cards for cash app?

Credit cards come with additional benefits that debit cards do not possess. However, Cash App also has a debit card with a lot of benefits, like discounts at popular fast foods or restaurants.

Rohit Mittal

Rohit Mittal is the co-founder and CEO of Stilt. Rohit has extensive experience in credit risk analytics and data science. He spent years building credit risk and fraud models for top U.S. banks. In his current role, he defines the overall business strategy, leads debt and capital fundraising efforts, leads product development, and leads other customer-related aspects for the company. Stilt is backed by Y Combinator and has raised a total of $275M in debt and equity funding to date.

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