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What are the rates and fees for personal Cash credit cards?

This article describes the rates, limits, and fees of personal Cash credit cards.

Updated this week

Core

All Club members

Luxe

Unlocked at 10K Loyalty points

Pinnacle

Unlocked at 50K Loyalty points

VIP

Invitation only

Free physical cards*

1

2

5

⭐

Virtual cards

3

10

Unlimited

Unlimited

Spending limit

$30k/day

$50k/day

$100k/day

⭐

ATM withdrawals

250 USD with a max of 3 attempts in rolling 24-hour period. Both approved and declined count towards this limit.

250 USD with a max of 3 attempts in rolling 24-hour period. Both approved and declined count towards this limit.

250 USD with a max of 3 attempts in rolling 24-hour period. Both approved and declined count towards this limit.

⭐

Foreign Exchange (FX) Fees and Refunds

FX Rate is 1% across all tiers. For information on the VISA rate used, please visit https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html

Refund transactions are processed based on the FX rate applied at the time the refund is settled, not necessarily the same rate as the original purchase or the one shown on the Visa FX calculator for that date.


The Visa FX calculator provides indicative rates, but the final settlement rate can differ due to intermediary bank fees, network adjustments, or timing differences in how Visa processes the refund. These factors can lead to slight deviations, sometimes unfavorable, compared to the public reference rate.

Can the Cash card be denominated in other currencies for non-Euro countries?

The card will use USD-based currency at this time, but will include native EURO support soon.

Note: ATM withdrawals are not allowed due to platform integrity and global compliance for the following FATF blacklist countries:

  • Democratic People's Republic of Korea

  • Iran

  • Myanmar

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