Venmo Credit Card
- Annual Fee
- $0
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Earning Rates
- 3%
Dining
3% cash back on Dining & Nightlife - restaurants, carryout, drive-throughs and delivery, plus bars and liquor stores. An additional 1% (up to 4%) when you split the purchase with a Venmo user inside the app and are paid back within 30 days
- 3%
Entertainment
3% cash back on Entertainment - movie theaters, concerts, streaming and other subscription content, digital books, music and games, amusement parks and more. An additional 1% (up to 4%) with the Split Transaction feature
- 3%
Venmo
3% cash back when you check out with Venmo online, pay a business profile on Venmo, or pay someone for goods and services on Venmo with the card as the linked payment method
- 1%
All Other
1% cash back on all other eligible purchases, including Venmo person-to-person payments that are not for goods and services
Benefits & Perks
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
Pros
- +No annual fee
- +3% cash back on dining and nightlife, and on entertainment including streaming
- +Up to 4% back on dining and entertainment when you split the purchase with a friend in Venmo
- +3% cash back when you pay with Venmo
- +No foreign transaction fee
- +Cash back is deposited daily into your Venmo balance
- +Option to turn cash back into crypto with no crypto transaction fee
Cons
- -Only 1% back on groceries, gas, travel, bills and everything else
- -Cash back is tied to the Venmo ecosystem
- -The extra 1% split bonus needs a friend to pay you back in the app within 30 days
- -No welcome bonus
- -Variable APR 18.74%-30.74%
Who It's Best For
Best For
- Venmo users who want cash back deposited daily into their Venmo balance
- People who spend on dining, nightlife and entertainment
- Groups that split restaurant and entertainment bills in the Venmo app (up to 4% back)
- Travelers who want no foreign transaction fee
Not Ideal For
- People whose spending is mostly groceries, gas or travel (1% back)
- People who don't use Venmo regularly
- Those who want a welcome bonus
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Account required | You need a Venmo account in good standing that has been open for at least 30 days before you apply. |
Payment Terms
| Purchase APR | 18.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| NerdWallet | — | NerdWallet |
| Venmo Official | — | Venmo Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | — | Issuer Page |
| Venmo Official | Venmo Official: Multiple card facts | |
| Synchrony Financial | Synchrony Financial: Multiple card facts | |
| Synchrony Financial | — | Synchrony Financial |
