Yes, Cash app users can effectively use credit cards to easily send money and pay bills. To do this, however, you must first link your bank or. You can add a PIN code or fingerprint ID to make secure payments. How does the Cash APP card work? The Cash Card is a free Visa-labeled. Thus, if a Cash App transaction doesn't involve a credit or debit card, merchants aren't subject to typical chargeback rules. The finality of.