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Venmo · credit
Last updated
Apply on Venmo's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
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.
Using Venmo Card at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of the amount of each cash advance, whichever is greater (Synchrony Bank) Inferred by source |
|---|---|
| Cash advance APR | 30.74% variable; no grace period Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Venmo Credit Card has no annual fee.
The Venmo Credit Card earns 3% on your top spend category, 2% on the second, 1% on everything else (auto, rotates monthly).
No — the Venmo Credit Card does not include airport lounge access.
No — the Venmo Credit Card has no foreign transaction fee, so it's a good card to use abroad.