Best credit cards

Most tiered cashback cards make you pick a category or track a calendar. Venmo picks for you, every month, based on where you actually spent. Add no annual fee and no foreign transaction fee and it is a strong everyday card. The crypto link is real but small: free conversion of cash back, nothing more.

The Venmo Credit Card is issued by Synchrony Bank on the Visa network, as either a Visa or a Visa Signature depending on approval. Applicants must be 18 or over, live in the United States or its territories, and hold a Venmo account open at least 30 days. Purchase APR is 18.74%, 27.74% or 30.74% depending on creditworthiness, with cash advances at 30.74% and a penalty rate of 34.24%. Rates were current at 1 January 2026 and vary with the prime rate. Paper statements cost $1.99 a month.

Cash back is calculated each statement period across eight categories: Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation and Entertainment. Your highest-spending category earns 3%, the second highest 2%, and everything else 1%, with no minimum spend and no cap on the 3% and 2% tiers. Rewards transfer automatically to your Venmo balance, where they can be spent, sent or withdrawn. Using them to auto-purchase crypto carries no transaction fee, though the exchange rate includes a spread.

Almost every crypto card sells your coins at the till. Exa borrows against them instead, so the position stays open and keeps earning while you spend. That is genuinely different. The trade is complexity and risk: you are taking an onchain loan at checkout, with interest and collateral exposure rather than cashback.

The Exa Card is a Visa Signature card from Exa Labs, powered by Exactly Protocol on non-custodial smart contracts; Exa Labs does not issue the card itself, licensed third parties do. Accounts use passkeys rather than seed phrases, and KYC takes minutes. Deposited USDC, ETH, wstETH, WBTC and OP earn a variable APR in Exactly's lending markets and double as collateral setting your credit limit. Purchases are paid instantly from balance or borrowed at a fixed rate and repaid every 28 days. Apple and Google Wallet are supported.

There is no cashback. The economics run the other way: deposits earn a variable APR from borrower interest in Exactly Protocol, while installment purchases borrow at a fixed rate locked in at checkout. The net effective rate can be positive, neutral or negative depending on whether deposit yield exceeds the loan rate. An origination fee may apply to loans, folded into the installment interest. Non-USD purchases carry a 1.5% FX fee inside the exchange rate.