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Venmo Credit Card
A mainstream social-payments card worth covering because it remains widely recognized and publicly available.
Last verified Mar 25, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if everyday spend is already in your budget and the card perks match your routine.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
N/A
Needs a listed spend threshold
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Other
3%
3% cash back on your top eligible spend category, 2% on the next,1% on all other eligible purchases.
General spending
1%
Credits And Perks
What actually offsets the fee
Automatic Top-Category Earning
Venmo Credit Card stands out by dynamically rewarding the category where you spend the most each statement cycle.
Venmo App Integration
The card is designed around the broader Venmo app experience, notifications, and social-payments familiarity.
No Annual Fee
You can keep the card long term without paying a recurring annual fee.
No Foreign Transaction Fees
Eligible international purchases do not incur an added foreign transaction surcharge.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
Go to issuer offerCompare Next
Pressure-test this card against real alternatives
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Similar General spending profile with a different fee and perk mix.
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