One credit card. More ways to Venmo.

The Venmo Credit Card lets you earn custom cash back¹ to send, spend, or even to auto-purchase the crypto of your choice from your Venmo account.² Syncing seamlessly with the Venmo app, it’s the simplicity, convenience, and fun you know and love — only more.You may be eligible for a special offer - check the credit card section in your Venmo app to see! Make sure you have the most recent app version. Pre-approved? See below for important information.

Earn smarter rewards

Automatically earn 3% cash back on eligible purchases in your top spend category, 2% on the next, and 1% on all other eligible purchases.¹ All that, with no annual fee.³
Learn more

Turn your cash back into crypto

Just toggle on the Purchase crypto feature and choose your favorite of four types of crypto. When cash back is transferred to your Venmo account at the end of every month, we’ll use it to automatically purchase crypto without any crypto transaction fee.
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.
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Venmo Credit Card with QR code on it
Venmo Credit Card with QR code on it

This card has you written all over it

Your card comes with your own unique QR code on the front, so it’s a snap to Venmo friends. When they scan your code, up pops your Venmo profile to pay or get paid.
Venmo Credit Card with QR code on it
Venmo Credit Card with QR code on it

Connected

The Venmo app is your copilot for everything you do with the credit card.

Track it all

Keep tabs on card activity in the app, right alongside your crypto purchases and Venmo spending — every purchase, payment, split, and reward. The Venmo app gives you total control.

Friend-friendly

Pay with the card, then split the cost easily with Venmo friends – just like regular payments. Choose to apply payments from your friends to your Venmo account or directly to your credit card bill.

Shop virtually

Pull up your card details in the app to shop online everywhere Visa® cards are accepted — even before your physical card arrives. Was your card compromised? Simply request your virtual card in the app and keep shopping.

Visa no-worry security

Lost or stolen card? Tap in the app to disable your physical card. Tap to enable when you have it back in your hands. The Visa® Zero Liability Policy⁴ keeps you covered the whole time.

Touch-free shopping

The Venmo Credit Card is a Visa contactless card and a secure, touch free way to pay on contactless-enabled terminals.
About touch-free payments(opens in a new tab)

Like color? We’ve got you covered

Pick a card color, then we add your unique Venmo QR code. The best part? When friends scan your code, they’re taken right to your profile to pay or get paid.
Venmo Credit Card Pink Pattern
Venmo Credit Card Pink Pattern
Cotton Candy
Venmo Credit Card Black Pattern
Venmo Credit Card Black Pattern
Night Life
Venmo Credit Card Denim Blue Pattern
Venmo Credit Card Denim Blue Pattern
Denim
Venmo Credit Card Red Pattern
Venmo Credit Card Red Pattern
Campfire
Venmo Credit Card Green Pattern
Venmo Credit Card Green Pattern
Tropical Islands

Visa® perks

Have peace of mind knowing the card comes with trusted Visa Traditional Credit Card benefits. Plus, Visa Signature® cardholders get access to added travel and lifestyle perks. Woo-hoo!

Apply for the Venmo Credit Card in the app today

The Venmo Credit Card is available for eligible users to apply using the latest version of the Venmo app.

More ways to pay with Venmo

Shop local

Pay local businesses the same way you pay your friends on Venmo.
Learn more

Shop in apps & online

Check out with your Venmo balance, then share your finds with friends.
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Venmo Debit Card

Take your Venmo balance shopping everywhere Mastercard® is accepted in the U.S.
Learn more
If you have received a Venmo Credit Card prescreen offer, please read the following important information: Some of the interest rates shown may be lower than the rates approved for you. We may reduce any credit limit offered, or not open an account for you, if you no longer meet our criteria or don’t have sufficient income. If you provide information that we are unable to match to this offer, we may consider your response as an application. The minimum credit line is $250.
If you have received a Venmo Credit Card prescreen offer, please read the following important information: Some of the interest rates shown may be lower than the rates approved for you. We may reduce any credit limit offered, or not open an account for you, if you no longer meet our criteria or don’t have sufficient income. If you provide information that we are unable to match to this offer, we may consider your response as an application. The minimum credit line is $250.
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. View the Prescreen & Opt-Out Notice below for more information about prescreen offers. PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, visit www.optoutprescreen.com(opens in a new tab), call the consumer reporting agencies toll-free, at 1-888-567-8688, write to: TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; or Experian Opt-Out, P.O. Box 919, Allen, TX 75013.
You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-567-8688. View the Prescreen & Opt-Out Notice below for more information about prescreen offers. PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, visit www.optoutprescreen.com(opens in a new tab), call the consumer reporting agencies toll-free, at 1-888-567-8688, write to: TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; or Experian Opt-Out, P.O. Box 919, Allen, TX 75013.
¹ Cash back rewards are available on all eligible purchases: earn 3% in the eligible top spend category, 2% in the second eligible top spend category, and 1% on the rest, subject to the limitations and restrictions set forth in the Rewards Program Terms. On or around 11/1/22, the Rewards Terms will be updated to reflect that the following types of transactions are not “Eligible Purchases” and thus will not earn Rewards: electronic funds transfers, money transfers, wire transfers, and remittances.² See Cash Back to Crypto Terms. When you buy or sell cryptocurrency, an exchange rate and any fees you will be charged for that transaction will be disclosed to you. The exchange rate includes a spread that Venmo earns on each purchase and sale. The transaction fee will be 0% only when using the automatic purchase feature to use Venmo Credit Card cash back rewards. Trading cryptocurrency is subject to a number of risks and may result in significant losses. Venmo does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. All custody of and trading in cryptocurrency is performed for Venmo by its licensed service provider, Paxos Trust Company, LLC. Buying, selling, and holding cryptocurrencies is not regulated in many states, including the State of California. Venmo is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling and holding cryptocurrency with Venmo is not available in Hawaii and where prohibited by law. Synchrony does not provide, recommend, or take responsibility for the cryptocurrency program.³ See Terms & Rates for New Accounts.⁴ Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.Application subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit bureau score.All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.The Venmo Visa Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA and Visa Signature are registered trademarks of Visa International Service Association and used under license.The Contactless Indicator mark and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.