How to Transfer Money From Credit Card to Cash App (Step-by-Step Guide)

Ever wondered if you could transfer money from your credit card to Cash App? Maybe you need quick funds to send to a friend or pay a bill, and your credit card is your only option. The truth is — while Cash App doesn’t let you directly add credit card funds to your balance, there are a few smart and legit workarounds that can make it happen.

In this guide, we’ll walk you through how to use your credit card with Cash App, how to transfer funds indirectly, and the best ways to avoid unnecessary fees.

Table of Contents

Understanding How Cash App Works With Credit Cards

Before jumping in, it’s important to know how Cash App handles cards.

When you create a Cash App account, you can link:

• A bank account (for deposits and withdrawals)
• A debit card (for instant transfers)
• And yes — a credit card (for sending money, not adding cash directly)

Cash App supports Visa, MasterCard, Discover, and American Express credit cards, but here’s the catch:

You can’t add money to your Cash App balance directly from a credit card. Instead, you can use your credit card to send money or use a few clever alternatives to move funds.

ALSO READ: How to Get Money Off a Virtual Visa Card

Step-by-Step: How to Transfer Money From Credit Card to Cash App

Here are three working methods you can use today.

Method 1: Link Your Credit Card to Cash App

1. Open Cash App on your phone.
2. Tap your profile icon (top right corner).
3. Select “Linked Banks” or “Linked Accounts.”
4. Choose “Link Credit Card.”
5. Enter your card details (number, expiry date, CVV).
6. Tap “Add Card” to confirm.

Use Case: You can now send money to friends, pay for items, or transfer funds within Cash App using your credit card.

Note: Cash App will charge a 3% fee on all credit card transactions.

Method 2: Transfer Credit Card Funds to Cash App Through PayPal

If you want to add your credit card money to your Cash App balance, this method works best.

1. Link your credit card to your PayPal account.
2. Transfer money from your credit card to PayPal balance.
3. Once funds are in PayPal, withdraw them to your bank account.
4. Finally, add that bank account to Cash App and transfer the funds there.

Result: You’ve successfully moved money from your credit card to Cash App — just indirectly.

Tip: Choose “Standard transfer” on PayPal to avoid extra fees.

Method 3: Use a Mobile Wallet or Payment Service (Venmo or Apple Pay)

Some mobile wallets, like Venmo or Apple Pay, allow you to add both credit cards and bank accounts.

You can use this path to move funds around:

1. Add your credit card to Venmo.
2. Send money to your linked bank account through Venmo.
3. Open Cash App and add funds from that bank account.

This route works smoothly if your credit card doesn’t directly link to Cash App.

Tips to Consider to Avoid Problems

Check your card’s cash advance policy: Some banks may classify transfers as “cash advances,” which can include higher fees.

Avoid multiple transfers: Each hop (credit card → PayPal → bank → Cash App) may come with small fees.

Use verified apps only: Never enter your card details on unverified third-party websites claiming to transfer funds instantly.

Monitor transaction limits: Cash App has daily and weekly limits for unverified users. Consider verifying your account for larger transfers.

Is It Safe to Transfer Money From a Credit Card to Cash App?

Yes, it’s safe if you use official platforms like Cash App, PayPal, or Venmo.

Just remember: credit card transactions can’t be reversed easily, so double-check your details before hitting “Send.”

Cash App encrypts your data and uses strong authentication measures, so your information remains secure.

Fees to Keep in Mind

When you use your credit card with Cash App, a 3% transaction fee applies.

Example:

If you send $100 from your credit card, Cash App deducts $3, and the recipient gets $97.

For larger transactions, using a linked debit card or bank account might save you more money.

Final Thoughts On How to Transfer Money From Credit Card to Cash App

Transferring money from a credit card to Cash App isn’t as direct as linking a debit card — but it’s absolutely possible.

With a little creativity and the right steps, you can move your credit card balance to Cash App in a few minutes.

To recap:

• You can link your credit card to send money directly.
• Or use PayPal or Venmo as a middle step to move your funds.

Just remember to keep an eye on fees and use trusted apps only.