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Updated for August 2026
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Venmo Credit Card

#3
VisaCredit
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The Venmo Credit Card pays 3% on whichever category you spend most in each month, 2% on the next and 1% on everything else, with no annual fee and no foreign transaction fee. Cash back lands in your Venmo balance automatically and can be turned into crypto at no cost. The catch: it is available only in the United States, it requires a Venmo account, and buying crypto with the card itself counts as a cash advance.

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Availability

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Available nowComing soon

Rewards rate

Up to 3%

FX fee

0%

Savings

None

Availability

1 country

VVenmo Credit Card

All about Venmo Credit Card

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Main perks

Monthly feeNone
CashbackUp to 3%
FX fee0%
SavingsNone
ATM fee5% (min $10)
Currencies1
Supported countries1
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Bonus offers

No current bonus offer.

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Rewards

Top spend category3%
Second top category2%
All other purchases1%
Foreign transaction feeNone
Cash back to crypto
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Pros

  • No annual fee
  • No foreign transaction fee
  • Up to 3% cash back
  • Cash back paid to your Venmo balance
  • Free cash back to crypto conversion
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Cons

  • Available only in the United States
  • Requires a Venmo account open 30 days
  • $1.99 monthly paper statement fee
  • Buying crypto with the card counts as a cash advance
  • Cash advances cost 5% or $10
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Options to Venmo Credit Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardD logoDeCardCredit$388Up to 10%3.8View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View card

FAQs

Questions, answered

The Venmo Credit Card is a Visa credit card issued by Synchrony Bank and managed through the Venmo app. It earns automatic cash back based on your spending categories and can be used anywhere Visa credit cards are accepted.

It is not a card that directly spends cryptocurrency. Its crypto connection comes from the option to automatically use earned cash-back rewards to purchase supported crypto inside Venmo.

The product covered here is the Venmo Credit Card, a revolving Visa credit card rather than a debit or prepaid crypto card. It is issued by Synchrony Bank and applications are subject to credit approval.

An approved application creates a credit account, so purchases do not simply draw from a stored crypto or Venmo balance. Interest and other credit-card charges can apply if balances are not handled according to the card agreement.

The Venmo Credit Card currently earns 3% cash back on your highest eligible spending category during each statement period, 2% on the second-highest category and 1% on other eligible purchases.

The categories adjust automatically based on your actual spending, so you do not need to select or activate rotating categories. Venmo currently advertises no monthly rewards limit on the standard programme.

Yes. Venmo's Cash Back to Crypto feature can automatically use the cash-back rewards transferred to your Venmo account to purchase a cryptocurrency you select.

This is an automatic crypto purchase after rewards are earned; the merchant purchase itself is still a normal Visa credit-card transaction. You can turn the feature on or off and change the selected crypto from the Venmo Credit Card rewards settings.

Venmo currently sets the crypto transaction fee to 0% when the automatic Cash Back to Crypto feature uses Venmo Credit Card rewards to purchase crypto.

That fee treatment is specific to the automatic rewards purchase. Other crypto purchases or sales in Venmo can have different pricing, and Venmo says its disclosed exchange rate can include a spread for assets other than PYUSD.

No. The Venmo Credit Card does not sell your crypto at checkout to fund a purchase. It is a conventional credit card, so merchant transactions use your credit line and settle through Visa.

Crypto is connected to the rewards side of the product: cash back can be automatically converted into supported crypto in the Venmo account. That makes it different from crypto debit cards that liquidate a wallet balance when you pay.

No. The Venmo Credit Card is a bank-issued credit card, and crypto bought through Venmo is not held in a self-custodial wallet controlled solely by the user's private keys.

Venmo states that custody and trading of cryptocurrency are performed through its licensed service provider. Users can access crypto features inside Venmo, but that should not be confused with private-key self-custody.

No. Venmo currently advertises no annual fee for the Venmo Credit Card.

Other charges can still apply under the credit-card agreement, including fees associated with activities such as late payments or cash advances. A no-annual-fee card is therefore not the same as a completely fee-free card.

Yes. Venmo says the Credit Card can be added to Apple Pay, Google Pay and Samsung Pay on compatible devices.

Mobile-wallet purchases continue to earn the normal Venmo Credit Card cash-back rates. Using a mobile wallet does not change the card into a crypto payment: it remains a Visa credit transaction, with any Cash Back to Crypto purchase occurring later when rewards are transferred.

The Venmo Visa Credit Card is issued by Synchrony Bank under licence from Visa USA Inc. Venmo provides the app experience, account integration and rewards features.

The crypto rewards feature is separate from Synchrony's role as card issuer. Venmo's disclosures state that Synchrony does not provide or take responsibility for the cryptocurrency programme.

Venmo says applicants generally must be at least 18, reside in the United States or its territories and have a Venmo account in good standing that has been open for at least 30 days.

Applications are subject to credit approval. An approved application can result in a hard credit inquiry, while Venmo says being declined through its current application process does not itself impact the applicant's credit score.

The current Venmo Credit Card is a US-focused product. Venmo's eligibility requirements state that applicants must reside in the United States or its territories.

That means it should not be presented as a generally available international crypto card. Travellers may be able to use an issued Visa card where accepted, but application eligibility remains tied to US or territory residency.

Yes. Venmo says approved cardholders can access a virtual card number in the app and begin making eligible online purchases before the physical card arrives.

The virtual number is part of the same credit-card account and follows the same rewards programme. It is not a separate prepaid or crypto-funded virtual card.

Use the latest Venmo app and open the Credit Card application if your account is eligible. You generally need a qualifying US Venmo account that has been open for at least 30 days, then complete the credit application.

If approved, Venmo provides card management inside the app and can make a virtual card number available before the physical card arrives. Credit approval and the issuer's terms determine the final account.

Manage the Venmo Credit Card through the Venmo app and use Venmo's official Help Centre for rewards, crypto and account questions. Card-account servicing details are also provided within the card experience and applicable Synchrony agreement.

For a suspected compromise, secure the Venmo account and card promptly. Use only official Venmo or issuer channels and never share one-time codes, passwords or account credentials with unsolicited contacts.