Your Cash App virtual card is a digital version of your Cash Card that you can use for online purchases, in-app payments, and contactless transactions before your physical card even arrives in the mail. You can find your virtual card details inside the Cash App under the Money tab, where you’ll see your card number, expiration date, and CVV. Here’s how to start using it everywhere it’s accepted.
Finding Your Virtual Card Details
To view your virtual card number, open Cash App and tap the Money tab (the dollar sign icon at the bottom of the screen). Select the card image at the top of the screen, and your virtual card details will appear. You’ll see a 16-digit card number, an expiration date, and a 3-digit CVV, which is the security code you enter when shopping online. These are the same details you’d find on a physical debit card, just displayed digitally.
You can use these numbers immediately for online shopping. At any checkout page that accepts Visa debit cards, enter your virtual card number, expiration date, and CVV just as you would with a plastic card. Your billing address should match whatever address you have on file in your Cash App account.
Adding Your Card to Apple Pay
The virtual card becomes much more useful when you add it to a mobile wallet, since that lets you tap to pay at physical stores using your phone. To add it through Cash App directly, open the app and tap on your Cash Card image, then select “Add to Apple Pay” and follow the on-screen prompts. You’ll get a confirmation screen when the card is successfully linked.
You can also add it through Apple Wallet. Open the Wallet app, tap the plus symbol in the top-right corner, select “Credit or Debit Card,” and either scan your card or enter the numbers manually. If you don’t have a physical card yet, type in the virtual card details from the Cash App instead. Once added, you can hold your iPhone near any contactless payment terminal to pay with your Cash App balance.
Where You Can and Can’t Use It
The virtual card works at most online retailers, apps, and subscription services that accept Visa. It also works for contactless payments at physical stores once you’ve added it to a mobile wallet. However, Cash App’s card agreement specifically prohibits using the virtual card at vending machines, kiosks, and gas station pumps. For gas, you’d need to go inside and pay at the register rather than swiping at the pump.
Certain merchants like hotels, rental car companies, restaurants, and gas stations may place a temporary hold on your balance that exceeds the actual purchase amount. This is common with any debit card at these locations. The hold ties up part of your available funds until the final charge goes through, which can take a few days. If you’re renting a car or checking into a hotel, make sure you have enough extra funds in your Cash App balance to cover whatever hold the merchant places.
Spending Limits
Cash App sets a cap of $7,000 per individual transaction. Beyond that, your overall spending limits are:
- $7,000 per day
- $10,000 per week
- $25,000 per month
These limits cover all Cash Card activity combined, including online purchases, in-store payments, and ATM withdrawals. One detail worth knowing: even declined transactions count toward your limits. If you try to make a $500 purchase and it gets declined for any reason, that $500 still eats into your daily and weekly caps.
Limits reset at 7 PM Eastern Time. The daily limit resets every evening, the weekly limit resets every Saturday at 7 PM ET, and the monthly limit resets at 7 PM ET on the last day of each month.
Fees to Know About
Using your virtual card for domestic purchases carries no transaction fees. However, if you buy something from an international merchant, even an online retailer based overseas, Cash App charges a 3% foreign transaction fee. That applies to any purchase processed through a non-U.S. merchant, so check where a company is based before buying if you want to avoid the surcharge. On a $100 international purchase, you’d pay an extra $3.
Locking Your Card for Security
If you notice a suspicious charge or simply want to prevent any transactions temporarily, you can lock your virtual card instantly. Open Cash App, go to the Money tab, select the card at the top of the screen, and tap “Lock card.” This blocks all new purchases from going through.
You can also lock the card from a desktop browser by logging into cash.app/account, selecting Money on the left side, and toggling the Lock Card option. To unlock it later, follow the same steps and enter your Cash PIN when prompted.
One important limitation: locking your card does not cancel transactions that are already pending. If a charge was authorized before you locked the card, it will still go through. Locking only prevents new charges from being approved, so act quickly if you spot something wrong.
Making Sure Your Balance Is Funded
Your virtual card draws directly from your Cash App balance, not from a linked bank account. Before making a purchase, check that your balance covers the full amount. If your balance is too low, the transaction will be declined. You can add money to your Cash App balance by transferring from a linked bank account or debit card, or by receiving payments from other Cash App users. Direct deposits also fund your balance automatically if you’ve set up that feature.