Can you use a credit card with Cash App?
Although it wasn't always possible, you can now link credit cards from most major credit card companies to the digital person-to-person payment tool known as Cash App®. Among the things you may be able to do with a linked card in these apps are sending money and paying bills. Of course, there are some requirements and things to know before you can use a credit card with Cash App.
Here's what we'll cover in this article:
- Can you link a credit card to Cash App?
- How to add a credit card to Cash App.
- Why linking a credit card to Cash App might fail.
- Why a credit card payment on Cash App could be declined.
- Are credit cards better than debit cards for Cash App?
Can you link a credit card to Cash App?
Yes, Cash App is among several person-to-person payment apps to which you can usually link a credit card to send money and to pay bills.
First, make sure you have your physical credit card available — you'll have to enter information from it into the app. After your credit card is linked successfully, you may be able to use it in Cash App for certain types of transactions.
How to add a credit card to Cash App
Because Cash App is not a Chase product or affiliated with Chase, we suggest you explore the company's sign up page for more information — updates to the app may change how you add a credit card. If the process is similar to other payment apps, there will be a place to enter bank details as well as credit card information. As with many modern apps, specific prompts should help you navigate the process.
Why linking a credit card to Cash App might fail
If you find yourself unable to link your credit card to your profile in the Cash App, here are some possible reasons:
- The card details you entered were incorrect (card number, expiration date or CVV number).
- Cash App doesn't support the card that you're trying to link.
- A network issue interfered with the confirmation.
- You may not be using the latest version of the app.
When you receive an error, that message may suggest the next steps you should take.
Why a credit card payment on Cash App could be declined
Credit card payments in Cash App may be declined for several reasons. A common one is that a recipient for the payment cannot be verified. One simple error in the recipient's contact information could cause this verification failure. When a payment is declined, Cash App may provide information to help you resolve the issue or avoid it next time.
Are credit cards better than debit cards for Cash App?
Depending on the activity, debit cards might be better to use in Cash App than credit cards. Here are some examples.
Accessing money in Cash App
Cashing out money from Cash App to a linked account is a common transaction. How fast that money can be accessed after transferring it from the app varies. In general, money that is cashed out to a debit card or checking account may be accessible within a day.
Additional costs and fees in Cash App
Cash App can charge a fee for sending money, depending on type of transaction. When sending money with a credit card, that fee may be a percentage of the transaction. For example, the fee for sending $100 with a linked credit card may be several dollars. Even for small amounts, you'll have to decide if paying that fee makes sense for you when sending money.
You may find information on Cash App fees for different transactions in its terms of service.
Final thoughts
When you link a credit card to Cash App, you might add a convenient option for yourself. If you cannot add your credit card, there are a few main reasons why. Cash App may be the best party to help you resolve the issue. Given these possible roadblocks and potential fees, you may decide that using a credit card in Cash App isn't for you.
We know how useful person-to-person payment apps are these days. Zelle® is another fast, convenient and secure way you can send and receive money, and connecting Zelle to your Chase checking account is quick, simple and seamless.
