Cash App Cash Card review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Cash App Investing suits small, occasional investors who want fractional shares from a phone. Stock trades cost $0, the account fee is $0 and the minimum deposit is $1. The trade-off is range: stocks, etfs and crypto is a narrow line-up handled in a mobile app.
Key facts
- Best for
- Small first-time investors buying fractional shares and crypto in one mobile app.
- Minimum deposit
- $1 (Source, checked September 26, 2026)
- Stock trade fee
- $0 (Source, checked September 26, 2026)
- Account fee
- $0 (Source, checked September 26, 2026)
- Markets
- Stocks, ETFs, Crypto (Source, checked September 26, 2026)
- Regulators
- FINRA, SIPC (Source, checked September 26, 2026)
- Investor protection
- SIPC up to USD 500,000 (Source, checked September 26, 2026)
- Interest on cash
- 3.5% (Source, checked September 26, 2026)
- Legal entity
- Cash App Investing LLC (Source, checked September 26, 2026)
- Features
- Fractional shares, Crypto, Mobile app
- Pricing model
- Commission-free
- Official website
- cash.app
Pros and cons
Pros
- Stock trades cost $0 and the account fee is $0, so holding costs nothing
- A minimum deposit of $1 plus fractional shares makes small, irregular contributions practical
- Savings pays 3.5%, giving idle cash a return alongside the portfolio
- Stocks, ETFs and crypto sit in the same mobile app, covering most first buys
Cons
- stocks, etfs and crypto runs to stocks, ETFs and crypto only, with no forex, CFDs, bonds or funds
- Protection stops at SIPC up to USD 500,000, so larger portfolios sit above the stated cover
- Savings pays 3.5% behind the same login as the investing balance, so one set of credentials moves both
Who it suits
- First-time investors buying fractional shares instead of whole shares
- People who want stocks, ETFs and crypto inside one mobile app
- Savers willing to park spare cash and earn 3.5%
Who should look elsewhere
- Traders needing forex, CFDs or futures, since stocks, etfs and crypto stops at stocks, ETFs and crypto
- Anyone holding more than SIPC up to USD 500,000 of invested money in one account
- Investors after a web platform or a managed portfolio rather than an app
Where it sits among rivals
Ranked 1 of 161 brands on stock trade fee and 1 of 138 on account fee, it sits at the cheap end of both tables. The minimum deposit of $1 is more ordinary, at 67 of 213, since many rivals ask for nothing.
Who runs it
The brokerage is run by Cash App Investing LLC, a US business, so US rules govern how the account operates. FINRA and SIPC are the two US bodies listed for it. Buying happens in a mobile app rather than a web platform, which keeps the operation narrow and simple.
How Cash App Cash Card compares
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 8.7
MarketScreener
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.3
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 9.2eToro covers stocks, etfs and forex, adding forex, CFDs and futures beyond the stocks, ETFs and crypto offered here.
9.3 vs 8.7
Kitco
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0Pepperstone
Vaulted
wikifolio.com
Intellectia
Winvest
Libertex International
XM VN
Where Cash App Cash Card is available
- Available
- United States
- Licence in United States
- FINRA, checked September 26, 2026
- Licence in United States
- SIPC, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to buy stocks with Cash App Investing?+
Stock trades cost $0 and the account fee is $0, so there is no charge for holding the account either. The pricing model is commission-free. Savings balances earn 3.5% in the meantime, which gives idle cash somewhere to sit.
How much money do I need to open an account?+
The minimum deposit is $1, low enough to start with a small sum. Fractional shares are supported, so a slice of a share is enough to take a position. That suits investors who add money in small, irregular amounts.
Is my money protected and who regulates the account?+
The account is registered with FINRA in the US, and protection runs through SIPC at SIPC up to USD 500,000. That figure is the stated limit on the cover, so a portfolio above it would need other arrangements. The entity behind the account is Cash App Investing LLC.
What can I actually trade in the app?+
The listed markets are stocks, etfs and crypto, so shares, ETFs and crypto are on the menu. Forex, CFDs, futures, bonds and funds are not in that line-up, which rules it out for traders who need those instruments. Research and analysis tools are thin beside dedicated brokerage platforms.
Can I use Cash App Investing on a desktop or mobile only?+
A mobile app is the listed platform, so the account is built around phone-based buying and selling. There is no separate desktop trading platform in the features. Anyone who needs charting, screeners or advanced order types will find the app thin for that work.
Who is this account suited to?+
It suits small, occasional investors rather than active traders. Fractional shares, a $1 start and $0 stock trades remove most of the usual barriers. Crypto in the same app also helps anyone holding digital assets beside shares.
Is it available in the UK or Europe?+
The brokerage is run by Cash App Investing LLC, and the permissions listed for it are US ones: FINRA and SIPC. Those cover a US operation. Readers in the UK and Europe should confirm local availability before funding, since the listed permissions are US only.
Do I earn anything on money sitting in the account?+
Savings pays 3.5% and sits alongside the investing account, so uninvested cash earns a return rather than lying flat. Worth knowing that savings and investments share one login, so access to the balance is tied to the same credentials.
Sources
- cash.app/card checked September 26, 2026
Backs: Account fee
“The debit card with no monthly or hidden fees - Cash App Card”
- cash.app/savings checked September 26, 2026
Backs: Interest on cash
“Earn 3.5% interest every month you have Green status - savings”
- cash.app/stocks checked September 26, 2026
Backs: Features, Investor protection, Legal entity, Markets, Minimum deposit, Pricing model, Regulators, Stock trade fee, Licences
“Turn spare change into stocks using Round Ups when you pay with your Cash App Card”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Inactivity fee, Retail accounts that lose money.
Cash App Cash Card
Small first-time investors buying fractional shares and crypto in one mobile app.