Crypto is volatile, so it can rise and fall in value quickly. Like all currencies, there’s potential for gains and losses—be sure to take it at a pace you’re comfortable with.
Earn unlimited cash back.
Get rewarded for everyday purchases, and so much more. Apply for the Venmo Credit Card with no impact to your credit score if declined.1
Scan to apply in the Venmo app
Score up to 3% back on eligible purchases.
The Venmo Credit Card lets you shop by your own rules. Travel, grab dinner, and more, while earning cash back across eight spend categories that are always eligible for rewards. You’ll automatically earn 3% cash back on your top spend category, 2% on the next, and 1% on all other eligible purchases.2
No tracking categories, no monthly rewards limits, and no annual fee.3
Travel
Airlines, hotels, motels, and resorts; plus cabins, cruises, cottages, hostels, and more.
Dining & Nightlife
Restaurants, carry out, drive-throughs and delivery; plus, bars and liquor stores.
Groceries
Convenience stores, bakeries and delis, wholesale clubs, and more.
Entertainment
Movie theaters, concerts, game stores, books, amusement parks, music stores, and more.
Bills & Utilities
Phone and internet, streaming services, electric, gas, water and more.
And More
These categories are the most popular, but you can explore the full list of eligible spend categories.
Pay fast,
using your phone.
The Venmo Credit Card can be added to mobile wallets for convenient checkout with Apple Pay®, Google Pay™, or Samsung Pay®. Just enter your card details once, then tap, pay, and be on your way.4
You’ll still earn up to 3% cash back on eligible purchases, even when paying with your phone or smart watch.
Learn more about using our card with Apple Pay and other mobile wallets.
Turn cash back into crypto.5
You can auto-purchase crypto with the cash back in your Venmo account every month.6 Just turn on the Purchase Crypto feature in the app and choose your favorite type.
We’ll take care of the rest – all without a crypto transaction fee. Learn more.
Plus, tons of other perks.
Split the bill in a snap.
Your card comes with a unique QR code that links to your Venmo account. Have friends scan it to pay for their share of dinner.
Manage everything in the app.
Track spending, rewards, and crypto purchases right from your phone - all with Venmo.
Start earning cash back ASAP.
If approved, you can find your virtual card number in the app, and shop online before your physical card arrives.
Tap into exclusive Visa® features.
Your card comes with Visa Credit Card benefits like touch-free shopping, worry-free security,7 and more. Plus, Visa Signature® cardholders get extra travel and lifestyle perks.
Earn cash back with no annual fee.3
Start earning up to 3% cash back today. There's no impact to your credit score if you aren't approved.
Scan to apply in the Venmo app
FAQ
The Venmo Credit Card has no annual fee. Other account fees may apply for certain transactions or activities, such as cash advances or late payments. For detailed information, it is recommended to review the card's official terms and conditions.
There are lots of benefits to the Venmo Credit Card in addition to its cash back rewards program. Other benefits include:
- No annual fee. Terms and conditions apply.
- Card management features integrated directly into the Venmo app.
- Cash back redeems directly into Venmo account.
- Cash back can be used to purchase crypto without a purchase fee.
The credit limit for the Venmo Credit Card is established based on an evaluation of the applicant's credit history and the information provided during the application process. As credit limits are personalized, the specific amount will vary by cardholder and is disclosed if the application is approved. Credit limits may also change over time based on the card holder’s spending and payment activity. Terms and conditions apply.
To apply for the Venmo Credit Card, an individual must generally be at least 18 years old, live in the United States or its territories, and have a Venmo account that has been open for at least 30 days and is in good standing. All applications are subject to credit approval.
The Venmo Credit Card is a Visa credit card that is managed directly within the Venmo app. It can be used for purchases anywhere Visa is accepted. Its rewards program automatically tracks spending and applies the highest cash back rate to the top eligible spending category each month, with the cash back sent to the cardholder's Venmo account.