Apps Like Cash App That Accept Credit Cards: Your Guide to Fees, Options, and More

By Jeff Weishaupt | September 6, 2023

When you attempt to pay with a credit card, Cash App’s charges or restrictions can irritate you. Many others feel the same way as you. While Cash App has become a go-to app for money transfers and transactions, it's not a one-size-fits-all solution. For those seeking more options, whether you're an Android or iOS user, there's good news. This guide will introduce you to a plethora of apps like Cash App that accept credit cards, offering you more flexibility and choices.

Apps Like Cash App That Accept Credit Cards: Your Guide to Fees, Options, and More

Key Takeaways:

  • Wise is your go-to for transparent fees and multi-currency accounts.
  • PayPal offers a wide range of services and is a well-established name.
  • Google Pay excels in both domestic and international transactions.
  • Venmo adds a social layer to your transactions.
  • Zelle specializes in quick bank-to-bank transfers.
  • Revolut offers a multi-currency account with no extra fees for credit card top-ups.
  • Payoneer and Square's Cash App for Business caters to freelancers and small businesses with features like invoicing and bulk payments.

The World Beyond Cash App

Why Credit Card Payment Alternatives?

Limitations of Cash App

Cash App, while convenient, has its drawbacks. For instance, it lacks bill splitting capabilities and doesn't offer a credit card. The social experience on the platform also leaves much to be desired.

Geographical Restrictions

Cash App primarily serves users in the U.S. and the U.K., making it less versatile for international transactions.

Fee Structures

While Cash App does offer some free services, it's not entirely devoid of fees, especially for instant transfers and international transactions.

What Makes a Good Money Transfer Alternative?

Speed of Transactions

In a world where time equals money, a good alternative should offer swift transactions. Zelle, for example, is integrated into many existing banking apps, making transfers almost instantaneous.

Fee Transparency

Hidden fees can be a deal-breaker. Wise, formerly known as TransferWise, is lauded for its transparent fee structure, charging between 0.4%-1% of the transfer amount.

International Capabilities

For globe-trotters or those with international dealings, an app with multi-currency features is a must. Wise and Xoom stand out in this regard, allowing for transactions in multiple currencies and even providing local bank details in some cases.

Apps Like Cash App that Accept Credit Cards

Here are 8 apps like Cash App that accept credit cards:

  • Wise
  • Paypal
  • Google Pay
  • Venmo
  • Zelle
  • Revolut
  • Payoneer
  • Xoom

Wise (formerly TransferWise)

Features and Benefits
Wise offers a transparent fee structure that's a breath of fresh air for anyone tired of hidden costs. With its multi-currency account, you can hold over 50 currencies and convert them at the real exchange rate.

Credit Card Acceptance
Wise does accept credit cards, but be wary; they charge a slightly higher fee for credit card transactions compared to debit cards or bank transfers.



Services Offered
PayPal remains a juggernaut in the digital payment landscape. It offers a wide array of services, from simple money transfers to complex business transactions.

Credit Card Acceptance
PayPal allows you to link your credit card for payments, but they do charge a 2.9% transaction fee plus a fixed fee based on the currency for receiving money.


Google Pay

Domestic and International Capabilities
Google Pay is more than just a domestic service; it's making strides in international transactions as well.

Credit Card Policies
Google Pay allows credit cards for most transactions but does have some restrictions on the types of cards that can be used for certain features like Google Pay Send.



Social Features
Venmo takes the cake when it comes to social interaction. You can share, comment, and like transactions, making it more than just a payment app.

Credit Card Usage
Venmo does accept credit cards, but there's a 3% fee when you send money with a credit card.



Bank-to-Bank Transfers
Zelle specializes in fast bank-to-bank transfers. If speed is your game, Zelle might be your MVP.

Credit Card Options
Unfortunately, Zelle doesn't accept credit cards. It's strictly bank transfers, which could be a deal-breaker for some.



Multi-Currency Accounts
Revolut offers a multi-currency account and lets you hold and exchange 29 currencies.

Credit Card Compatibility
Revolut accepts credit cards for top-ups without any extra fees, which is a significant advantage.



Business-Centric Features
Payoneer focuses on business transactions, offering multi-currency receiving accounts through its Global Payment Service.

Credit Card Acceptance
Payoneer allows credit card payments, but fees can vary depending on the type of transaction.



International Transfers
Owned by PayPal, Xoom specializes in fast international money transfers.

Credit Card Policies
Xoom allows the use of credit cards for sending money, but fees can be higher compared to bank transfers.

Niche Alternatives

Apps for Freelancers

Specific Features

For freelancers, the game changes. You're not just sending money; you're running a business. Apps like Payoneer and Revolut offer invoicing features, making it easier to bill clients.

Credit Card Acceptance

Payoneer allows credit card payments but with varying fees. Revolut, on the other hand, accepts credit cards for top-ups without any extra fees.

Apps for Small Businesses

Business-Oriented Features

If you're a small business owner, your needs are different. You might require payroll features, bulk payments, or even expense management. Square's Cash App for Business and QuickBooks Payments offer these services.

Credit Card Policies

Square's Cash App for Business does accept credit cards but at a 2.75% transaction fee. QuickBooks Payments also accepts credit cards but with a more complex fee structure that varies based on the type of transaction.

Security Concerns

How Secure Are These Apps?

Encryption and Other Security Measures

Security is paramount. Most of these apps use end-to-end encryption and two-factor authentication (2FA). However, the devil is in the details. Some apps, like Zelle, have faced criticism for their lack of effective fraud prevention measures.

User Reviews on Security

User reviews can be a goldmine of information. While most apps are generally considered secure, some like Venmo have mixed reviews regarding unauthorized transactions.

Tips for Secure Transactions

Best Practices

Always double-check the recipient details. Use 2FA. Keep your app updated. Simple practices, but they go a long way.

Red Flags to Watch Out For

Be wary of unsolicited requests for money or offers that seem too good to be true. Scammers are getting creative, and a healthy dose of skepticism can save you a lot of trouble.

To review

In the digital age, money moves at the speed of a click. Whether you're a freelancer, small business owner, or just security-conscious, there's a Cash App alternative tailored for you. Choose wisely, and keep security front and center.


Can I use a credit card on Venmo?

Venmo accepts credit, debit, and prepaid cards that are network-branded, like American Express, Discover, MasterCard, and Visa. Be aware that your card could be declined by either Venmo or the card issuer for reasons related to funds availability or fraud prevention.

Can I use a credit card on Zelle?

Credit card payments are not an option with Zelle. However, Venmo, Cash App, and PayPal do permit you to link a credit card to your account.

What Cash App can you use a credit card?

Cash App is compatible with credit and debit cards issued by Visa, MasterCard, American Express, and Discover. It also works with most prepaid cards. However, ATM cards, Paypal, and business debit cards are currently not supported.

What cash apps can you use without a card?

You can link your Cash App card to Google Pay or Apple Pay even if you don't possess the physical card. This allows you to make purchases in stores using your Cash App balance. Just look for the white "$" symbol on a green backdrop in the app.