Venmo Credit Card

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

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

3%

cash back on your eligible top spend category

2%

cash back on the next

1%

cash back on all other eligible purchases

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

Bills & Utilities

Phone and internet, streaming services, electric, gas, water, and more

Groceries

Convenience stores, bakeries and delis, wholesale clubs, and more

Entertainment

Movie theaters, concerts, game stores, books, amusement parks, music stores, 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 crypto⁵

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.

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.

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 fee³

Start earning up to 3% cash back today. There's no impact to your credit score if you aren't approved.

Download the Venmo App

Frequently asked questions

Download the Venmo app

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 score. Pre-approved offers can only be accepted through the Venmo app.

See Venmo Credit Card Rewards Program Terms. Use of cash back is subject to the terms of the Venmo User Agreement.

See Terms & Rates for New Accounts.

⁴

Not available on all devices. For a list of compatible devices, visit apple.com/applepay, google.com/pay, and samsung.com/pay

⁵

Venmo accounts required.

When you buy or sell cryptocurrency on Venmo, Venmo will disclose an exchange rate and any fees you will be charged for that transaction. For currencies other than PYUSD, the exchange rate includes a spread that is earned on each purchase and sale. Learn more about cryptocurrency fees on Venmo.

Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see Venmo’s disclosure for more details.

Venmo does not make any recommendations regarding buying and or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. Some custody, buying, selling, and transfer services for cryptocurrency are performed for Venmo by our licensed service provider, Paxos Trust Company, LLC. PayPal USD is issued by Paxos, not Venmo, and is subject to the Paxos US Dollar-Backed Stablecoin Terms and Conditions.

Any cryptocurrencies you hold in your Venmo account are not deposits, are not eligible for pass-through FDIC insurance and may lose value. FDIC insurance protects against the failure of a Program Bank, not the failure of PayPal, which provides the Venmo service. PayPal is not a bank, does not take deposits and is not FDIC insured.

Cryptocurrency activity is not a regulated activity in many U.S. states and territories. PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, transferring, and holding cryptocurrency with Venmo is not available where prohibited by law.

All cryptocurrency prices shown are for illustrative purposes only.

⁶

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.

⁷

Zero liability for 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.

Apple Pay is a trademark of Apple Inc. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

Google Pay and Google Wallet are trademarks of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

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, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

All screen images are for illustrative purposes only. Actual experience will be based on account activity.

How it works

Ways to pay

Ways to get paid

Venmo Credit Card

Earn unlimited cash back

Score up to 3% back on eligible purchases

3%

2%

1%

Pay fast,

using your phone

Turn cash back into crypto⁵

Plus, tons of other perks

Split the bill in a snap

Manage everything in the app

Start earning cash back ASAP

Tap into exclusive Visa® features

Earn cash back with no annual fee³

Frequently asked questions

Venmo Credit Card

Earn unlimited cash back

Score up to 3% back on eligible purchases

3%

2%

1%

Pay fast,

using your phone

Turn cash back into crypto5

Plus, tons of other perks

Split the bill in a snap

Manage everything in the app

Start earning cash back ASAP

Tap into exclusive Visa® features

Earn cash back with no annual fee3

Frequently asked questions

What are the fees on the Venmo Credit Card?

What are the benefits of the Venmo Credit Card?

How is the credit limit determined for a Venmo Credit Card?

How do I apply for a Venmo Credit Card?

How does the Venmo Credit Card work?

Turn cash back into crypto⁵

Earn cash back with no annual fee³