Credits Debit Card vs Venmo Credit Card
Crypto enabled
Crypto enabled
Verdict
- Credits Debit Card scores higher overall (6.1 vs 5.9 out of 10).
- Venmo Credit Card is clearly stronger on: Fees, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Credits Debit Card is a good fit for
- No specific audience can be derived from the published data yet.
Venmo Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, FX & international
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Credits Debit Card | Venmo Credit Card |
|---|---|---|
| Fees | 72 | 100 |
| Cashback & rewards | – | 30 |
| Availability | – | 3 |
| FX & international | 60 | 100 |
| Product features | 70 | 70 |
| Custody & security | – | – |
| Credit & financing | – | 70 |
| Limits & ATM | 73 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.9 |
| Best for Travel | 6.5 | 7.3 |
| Best for High Spenders | 6.1 | 6.2 |
| Best for Low Fees | 7.4 | 9.3 |
| Best for Beginners | 6.9 | 6.6 |
| Best Crypto Credit Card | n/a | 6.9 |
| Best E-Money Card | 6.8 | 7.8 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Credit cardShow source
Network
Visa / MastercardShow source
VisaShow source
Fees
Annual fee
FreeShow source
Monthly fee
$5/monthConditions apply: tap or hover for detailsShow source
Card maintenance; card and IBAN free with monthly use of the app
Virtual card fee
$5Show source
FX fee
1%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per purchase
0%Show source
Top-up fee
$0.32 + 1.25%Conditions apply: tap or hover for detailsShow source
Crypto top-ups
ATM fee
$3Show source
Other fees & markups
Apple Pay / Google Pay: $0.03 + 0.15% per transactionShow source
Cashback & rewards
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
Credit & financing
Credit line
YesShow source
Credit type
Revolving creditShow source
Availability
Available in
United StatesShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Annual cost at 1,500 EUR/month
Credits Debit Card
- Annual & monthly fees−54 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashbackunknown
- Net annual valuenot enough data
Venmo Credit Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers