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Venmo Credit Card is a financial product offered by Venmo, a payments platform operated by PayPal, Inc. The card allows users to earn cash back on everyday purchases and integrates directly with the Venmo app for managing rewards and spending.

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At a glance

About Venmo Credit Card

Card Type
Visa Credit Card
Issuer
Synchrony Bank
Annual Fee
None
Cash Back
Up to 3% on eligible purchases
Crypto Integration
Cash back can be auto-converted to crypto
Credit Score Impact on Decline
No impact if declined
Minimum Age
18 years old
Availability
US residents and territories only
Venmo positions itself in the consumer payments space, targeting individuals who already use or are open to using a mobile-first money management platform. The Venmo Credit Card is aimed at everyday spenders who want to earn cash back without paying an annual fee, and who value the ability to manage their finances within a single app. The card is issued by Synchrony Bank and operates on the Visa network, placing it in the accessible, no-frills credit card segment rather than the premium travel rewards category. What sets it apart is its tight integration with the Venmo ecosystem, including the option to automatically convert cash back rewards into cryptocurrency.
June 2026

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Ready to use with your order at Venmo Credit Card.

Earn up to 3% cash back on eligible purchases with no annual fee when applying for the Venmo Credit Card.
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Automatically convert your credit card cash back rewards into cryptocurrency at no extra transaction fee through the Venmo app.
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Recent

Venmo Credit Card in the news

Recent updates and background about Venmo Credit Card, summarised in our own words.

Venmo Credit Card

Managing Your Venmo Balance

Venmo offers a built-in balance management feature that allows users to move money and adjust their funds with just a few taps in the app. The platform emphasizes ease of use and seamless money transfers.

Venmo Credit Card

Direct Deposit Now Available on Venmo

Venmo users can set up Direct Deposit to receive paychecks and government funds directly into their Venmo balance. This feature allows for faster access to incoming funds without waiting for traditional bank processing times.

Venmo Credit Card

Brands That Accept Venmo at Checkout

Venmo maintains a growing list of merchants and brands that accept payment through the Venmo platform, both in apps and on mobile websites. Shoppers can connect their Venmo account to quickly check out at participating retailers.

Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.

Frequently asked questions

What others ask about Venmo Credit Card

Answers to the most common questions, based on search behaviour and our own research.

Is Venmo Credit Card a reliable financial product?

The Venmo Credit Card is issued by Synchrony Bank under a Visa license and is backed by Venmo, a service of PayPal, Inc. These are established and regulated financial institutions, which provides a level of consumer protection and reliability.

Does the Venmo Credit Card have an annual fee?

No, the Venmo Credit Card does not charge an annual fee. Full terms and rates for new accounts are available on the Venmo website.

How much cash back can you earn with the Venmo Credit Card?

Cardholders can earn up to 3% cash back on eligible purchases, with no cap on the total cash back amount. The specific reward rate depends on the spending category.

Can you use Venmo Credit Card cash back for crypto?

Yes, Venmo allows cardholders to automatically convert their cash back rewards into cryptocurrency through the Venmo app. Users can select their preferred coin and enable the auto-purchase feature without incurring a crypto purchase transaction fee.

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