Credit card rewards

Have your fun and cash back, too

Concerts, lunch, bills. However you spend, earn unlimited cash back with a Venmo Credit Card.¹ A no annual fee² card that rewards up to 4% cash back for doing you.

Earn up to 4% cash back on eligible purchases

The Venmo Credit Card gives you cash back rewards for doing what you love. Earn 3% cash back on dining and entertainment purchases, which includes streaming. Earn an extra 1% when you split the purchase with a friend on Venmo.

Split transaction must be completed within 30 days of the purchase.

3% cash back

Earn 3% cash back when you check out with Venmo online, pay a business on Venmo, or pay someone for goods or services on Venmo.

1% cash back

You’ll earn 1% cash back on all other purchases with your card. Groceries, utilities, healthcare, and more.

Get rewarded for what you love

Entertainment

This includes streaming, concerts through Ticketmaster, and more. Explore more eligible entertainment categories.

Dining and nightlife

Bakeries, restaurants, takeout, and delivery through places like DoorDash and Taco Bell, plus bars and liquor stores.

Bills and utilities

Phone, internet, electric, gas, water, and more.

Groceries

Convenience stores, delis, wholesale clubs, and more.

Travel

Airfare, hotels, motels, and resorts, plus cruises, cabins, and more.

Split the bill, get the cash back

Grab an extra 1% cash back when you divvy up the bill with friends. After making a purchase, you can use Venmo to split the cost with others, all in the Venmo app. Go to the Me tab, tap Transactions, select the purchase you want to split, and then tap the users you want to split the purchase with.

Split transaction must be completed within 30 days of the purchase.

Get cash back at checkout when you pay with Venmo

From a full cart to a last-minute ride, Venmo makes the transactions fast and secure. Look for the Venmo button at checkout on thousands of apps online and pay with your Venmo Credit Card to earn 3% cash back. You can split with your Venmo balance, but you’ll earn cash back only on what’s charged to your card.

See where you can earn

Tap the Venmo button at checkout

Choose your Venmo Credit Card to pay

Earn 3% cash back on what your card covers

Turn cash back into crypto³

You can auto-purchase crypto with the cash back in your Venmo account every month.³ 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 purchase 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

Enjoy easy cash back redemption

Any daily cash back you earn gets automatically deposited straight into your Venmo account.

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 contactless shopping, worry-free security,⁴ and more. Plus, Visa Signature® cardholders get extra travel and lifestyle perks.

Apply for the Venmo Credit Card

Eligible users can apply for the Venmo Credit Card in the latest version of the Venmo app.

Scan to learn more

Learn more

Eligible entertainment categories

Cable, Sat, Pay Tv / Radio Svcs / Streaming

Member Clubs / Sport / Rec / Golf

Books / Periodicals / Newspapers

Record Stores

Sporting Goods Stores

Hobby, Toy & Game Stores

Stamp & Coin Stores

News Dealers / Newsstands

Tent And Awning Shops

Sporting / Recreational Camps

Trailer Parks / Campgrounds

Motion Picture Theatres

DVD / Video Tape Rental Stores

Dance Halls / Studios / Schools

Theatrical Producers

Bands / Orchestras / Entertain

Billiard / Pool Establishment

Bowling Alleys

Commercial / Pro Sports

Tourist Attractions and Exhibits

Public Golf Courses

Video Amusement Game Supply

Video Game Arcades / Establish

Betting / Track / Casino / Lotto

Amusement Parks / Circus

Aquariums / Seaquariums

Recreation Services

Caterers

Digital Goods Media: Books, Movies, Music

Digital Goods: Games

Digital Goods: Applications (Excludes Games)

Large Digital Goods Merchant

Download 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.

See Cash Back to Crypto Terms. Venmo’s crypto services are provided by PayPal Digital, Inc. (doing business as Venmo Digital; NMLS ID #: 2610315). Venmo Digital is chartered as a limited purpose trust company by the New York State Department of Financial Services to engage in virtual currency business. It is located at 117 Barrow St, New York, NY 10014.

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. Neither Venmo nor its affiliates 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 Digital by its licensed service provider, Paxos Trust Company, N.A. Buying, selling, and holding cryptocurrencies is not regulated in many states. Buying, selling, and holding cryptocurrency with Venmo Digital is not available where prohibited by law. Synchrony does not provide, recommend, or take responsibility for the cryptocurrency program.

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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.

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.

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

Venmo is a service of PayPal, Inc. (“PayPal”), a licensed provider of money transfer services. All money transmission is provided by PayPal pursuant to PayPal’s licenses. PayPal’s NMLS ID is # 910457.