Venmo Credit Card

Venmo · credit

Last updated Jun 6, 2026

Typically needs good credit (guideline, not a guarantee)

Apply on Venmo's siteOfficial issuer page (not an affiliate link yet) · how we earn

Personalize this for you → add your cards & memberships and we'll show what it's really worth to you.

Card shape

What this card delivers across six value dimensions (0–100, normalized).

3×	Top spend category (rate is dynamic — see note) Estimated by source
2×	Second spend category (dynamic) Estimated by source
1×	Everything else Verified by source

No lounge access.

*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it

Rewards are dynamic: each billing cycle you automatically earn 3% on your single highest spend category, 2% on the second, and 1% on everything else — categories rotate with your spending, no enrollment. The earn rates shown here are a representative top-two, not fixed categories.

What is the annual fee for the Venmo Credit Card?

The Venmo Credit Card has no annual fee.

What cash back does the Venmo Credit Card earn?

The Venmo Credit Card earns 3% on your top spend category, 2% on the second, 1% on everything else (auto, rotates monthly).

Does the Venmo Credit Card have airport lounge access?

No — the Venmo Credit Card does not include airport lounge access.

Does the Venmo Credit Card have a foreign transaction fee?

No — the Venmo Credit Card has no foreign transaction fee, so it's a good card to use abroad.