Venmo Credit Card
US Visa credit card from Venmo with up to 4% cash back (3% dining and entertainment or paying with Venmo, 1% on everything else). With crypto auto purchase the cash back is automatically used to buy Bitcoin, Litecoin, Bitcoin Cash or Ethereum. No annual fee, no foreign transaction fee.
Base cashback
1%Show source
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Base fee
FreeShow source
FX fee
0%Show source
ATM fee
Card fee
Credit line
YesShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- 1% base cashback
- Apple Pay and Google Pay
- Real credit line
Cons
- Top rate of 4% only with conditions — Dining and entertainment with a split payment
- US residents only
Good for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Not for
- Anyone living outside the United States
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Venmo Credit Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees2/15
- Annual fee
FreeShow source
- FX fee
0%Show source
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards3/14
- Base cashback
1%Show source
- Max cashback
4%Conditions apply: tap or hover for detailsShow source
Dining and entertainment with a split payment
- Cashback type
FiatConditions apply: tap or hover for detailsShow source
Can be auto-converted to BTC, LTC, BCH or ETH
Not yet researched: Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing2/11
- Credit line
YesShow source
- Credit type
Revolving creditShow source
Not yet researched: Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies1/4
- Available in
United StatesShow source
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets4/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
Not yet researched: ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product3/7
- Product status
ActiveShow source
- Card type
Credit cardShow source
- Network
VisaShow source
Not yet researched: Custody model, Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 30 |
Availability 1 of 60 tracked countries | 15% | 3 |
FX & international FX fee 0% | 10% | 100 |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing Credit line available | 5% | 70 |
Limits & ATM | 5% | No data — excluded |
Transparency 6 of 6 checked key terms disclosed | 5% | 100 |
Data coverage 85%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Venmo Credit Card have an annual or monthly fee?
Base tier: Free. Source: Venmo Credit Card | Earn Unlimited Cash Back.
What is the FX fee of Venmo Credit Card?
0%. Source: Venmo Credit Card | Earn Unlimited Cash Back.
How much cashback does Venmo Credit Card pay?
Base rate: 1%. Highest advertised rate: 4% (Dining and entertainment with a split payment).
Is Venmo Credit Card a credit card?
Yes — Revolving credit.
Where is Venmo Credit Card available?
United States.
Does Venmo Credit Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history15 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Credit type recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved