
Venmo Credit Card
Venmo Credit Card

Venmo Credit Card
Card details
Automatically earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest
No annual fee.
Your card comes with your own unique QR code on the front, so it’s a snap to Venmo friends. When they scan your code, up pops your Venmo profile to pay or get paid.
Keep tabs on card activity in the app, right with all your Venmo spending.
Use the Venmo app to disable a lost or stolen physical card.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-3%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 15.24% - 24.24%, Variable
Cash Advance APR: 24.24%, Variable
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Learn more | ||
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR15.24% - 24.24% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Wondering if this card is the best match for you?
Just tell us some details and see which card matches your needs most.
Just tell us some details and see which card matches your needs most.
NerdWallet review
By Sara Rathner
Rating details
3.7
Editor's overall rating
Pros and cons
Pros
No annual fee
Cons
No intro bonus offer
The Venmo Credit Card breaks away from one-size-fits-all rewards cards, offering extra cash back where you spend the most each month with no need to strategize. Just use the card as you normally would to make purchases, and you’ll automatically earn a higher cash-back rate on your top two spending categories.
The Venmo Credit Card stays true to Venmo’s roots as an app that makes it easy to split costs between friends. The card’s design features a QR code others can scan with their phones, so when you front the cost of dinner out with your card, you won’t need to chase anyone down to get paid back.
The card does have some limitations. There’s no sign-up bonus and extra cash-back earnings are capped after the first year. Still, this card could be compelling if you already use Venmo and you’re seeking a straightforward way to earn and redeem rewards.