Venmo Credit Card

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.