Earn up to 3% cash back on eligible purchases made with the Venmo Credit Card, with no cap on total earnings and no annual fee.
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Venmo Credit Card is a financial product from Venmo, a payments service owned by PayPal, Inc. It allows users to earn cash back on everyday purchases and manage their finances directly within the Venmo app.
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About Venmo Credit Card
Product type
Credit card with cash back rewards
Cash back rate
Up to 3% on eligible purchases
Annual fee
None
Card issuer
Synchrony Bank (Visa)
Minimum age
18 years old
Available in
United States and its territories
Parent company
PayPal, Inc.
Crypto integration
Auto-purchase crypto with cash back rewards
Venmo operates in the digital payments and financial services space, targeting everyday consumers in the United States who want a simple, social way to send money, split bills, and pay for purchases. The Venmo Credit Card, issued by Synchrony Bank, earns up to 3% cash back on eligible purchases with no annual fee, and integrates directly with the Venmo app for balance management and optional automatic crypto purchases. The platform appeals to a broad audience from students to working adults who are already familiar with peer-to-peer payment apps. Its positioning sits between a casual payments tool and a lightweight personal finance product, with features like Direct Deposit, a debit card, and a rewards program called Venmo Stash.
Active promotions
Ready to use with your order at Venmo Credit Card.
New Venmo Debit Card users can earn up to 5% cash back at selected brands through the Venmo Stash rewards program when Direct Deposit requirements are met.
Example promotion
This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
To the shop
Venmo Credit Card in the news
Recent updates and background about Venmo Credit Card, summarised in our own words.
Credit cards available for immediate use after approval
Some credit cards can be used right away once an application has been approved, without waiting for a physical card to arrive. NerdWallet has examined which cards offer this option for consumers. This can be useful for those who need access to credit quickly.
Three ways to pay a friend using a credit card in 2026
There are several methods available for sending money to friends or contacts using a credit card. Upgraded Points outlines three practical approaches that consumers can consider. Each method may differ in terms of fees, convenience, and eligibility requirements.
A practical guide to using Venmo
Venmo is a digital payment service that allows users to send and receive money through a mobile app. U.S. News and World Report has published guidance on how to get started with the platform. The service is widely used for peer-to-peer transactions in the United States.
Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.
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 trustworthy financial product?
The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc., and Venmo itself is a service of PayPal, Inc., a licensed money transfer provider. These are regulated financial entities operating under established licensing requirements in the United States.
Is there an annual fee for the Venmo Credit Card?
No, the Venmo Credit Card has no annual fee. There is also no limit to the cash back you can earn on eligible purchases.
How do I apply for the Venmo Credit Card?
You must be at least 18 years old, reside in the US or its territories, and have a Venmo account in good standing that has been open for at least 30 days. Applying results in a hard credit inquiry, which may affect your credit score.
Can I use my Venmo Credit Card cash back for crypto?
Yes, the Venmo Credit Card allows you to automatically convert your cash back rewards into crypto purchases. You can enable this feature in the Venmo app, select your preferred cryptocurrency, and the conversion happens without a crypto purchase transaction fee.
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