The Venmo Visa® Credit Card
Rewards rate
1% - 3%
Cash back
Annual fee
$0
Additional rates and fees
Annual fee
$0
Intro purchase APR
None
Regular purchase APR
Variable purchase APRs are 18.74%, 27.74%, or 30.74%. The APRs are accurate as of January 1, 2026.
Intro balance transfer APR
None
Regular balance transfer APR
N/A
Cash advance APR
Cash Advance APR is 30.74%. Variable, rate accurate as of January 1, 2026.
Cash advance fee
Either $10.00 or 5% of the amount of each cash advance, whichever is greater
Late fee
Up to $41
Penalty APR
Penalty APR is 34.24%. Rate accurate as of January 1, 2026
Balance transfer fee
N/A
Foreign transaction fee
None
Return payment fee
Up to $41
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Apply for the Venmo Credit Card with no impact to your credit score if declined. (1)
- Rewards tailored to you. The Venmo Credit Card rewards you based on how you spend each month. You'll earn 3% cash back on your top eligible category, 2% on the next, and 1% on everything else. (2)
- No monthly reward limits and no annual fee (3)
- Put cash back in your pocket with the Venmo Credit Card.
- Start earning cash back ASAP. Upon approval, you can find your virtual card number in the app, and shop online before your physical card arrives.
- Turn cash back to crypto. You can auto-purchase crypto with the cash back in your Venmo account every month. Just turn on the Purchase Crypto feature in the app and choose your favorite type. We'll take care of the purchase - all without a crypto purchase transaction fee. (4)
- (1) 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.
- (2) See . Use of cash back is subject to the terms of the .
- (3) See
- (4) See
- The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. VISA is a registered trademark of VIsa International Service Association and used under license.
- 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 licences. PayPal's NMLS ID is #910457.A24