01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
No tracked credits
Median FICO
—
Approved
Median income
—
Approved
Our take
The Venmo Credit Card pays 3% back on dining, entertainment (including streaming), and purchases paid through Venmo itself, with no annual fee and no foreign transaction fee. Heavy Venmo users get an extra edge: dining and entertainment purchases jump to 4% when you split them in Venmo and friends pay you back within 30 days. The catch is that the 3% online shopping rate applies only when you check out with Venmo or pay a business on Venmo, not to online shopping in general. Groceries, gas, travel, and utilities, which used to earn 2% or 3% under the card's old top-category design, now earn just 1%. It is a good fit if you eat out often and split bills with friends, but pair it with a stronger card for everyday essentials.
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Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Dining Restaurants, carryout, drive-throughs, delivery, bars, and liquor stores. 4% when you split the purchase in Venmo and friends pay you back within 30 days. | 3% |
Entertainment Movie theaters, concerts, amusement parks, digital goods, and gym or golf memberships. 4% when you split the purchase in Venmo and friends pay you back within 30 days. | 3% |
Streaming Subscription streaming counts as Entertainment on this card. | 3% |
Online Shopping Only when paying through Venmo: checking out with Venmo online, paying a business on Venmo, or paying someone for goods and services on Venmo. | 3% |
Everything Else Includes groceries, gas, travel, and utilities, which earned 3% or 2% under the old top-category design. | 1% |
Credits & rebates
No credits or rebates tracked.
03 · card details
Card details
Regular APR | 18.74%–30.74% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
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05 · news
In the news
06 · reading