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Venmo Visa Signature® Credit Card

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The Venmo Credit Card is available as a Visa or Visa Signature, and earns cash back on all of your purchases based on your top two spending categories. The card comes wrapped in your own unique QR code so you can send and receive money easily, and is available in a handful of vibrant colors.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.24%–24.24% Variable

Venmo Visa Signature® Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 3% cash back on your top spend category
  • 2% cash back on your second top spend category
  • 1% cash back on all other purchases and peer-to-peer transactions
  • Spending limit: Beginning after your first anniversary year, 3% and 2% rewards are limited to $10,000 spent per anniversary year

Spending categories: Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment.

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.24% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Concierge Service
SECURITY
  • Zero Liability on Unauthorized Charges
TRAVEL
  • No Foreign Transaction Fee
  • Roadside Assistance
  • Emergency Travel Assistance
Venmo Visa Signature® Credit Card

Highlights

  • 3% cash back on your top spend category
  • 2% cash back on your second top spend category
  • 1% cash back on all other purchases and peer-to-peer transactions
  • Contactless payments
  • Visa Concierge
  • Roadside Dispatch
  • Visa Luxury Hotel Collection
  • Visa Emergency Cash Disbursement
  • Lost or Stolen Card Replacement
  • Split your card transactions with your friends on Venmo
  • No foreign transaction fee
  • No annual fee
ABOUT THE ISSUER

Synchrony

Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-419-4096 or

Try a different phone number
See all Issuer Cards

The Venmo Visa Signature Card offers a unique way to send and receive cash payments while earning rewards on everything you purchase, working seamlessly with the Venmo app.

The card earns 3% cash back on your top spend category, 2% cash back on your second top spend category, and 1% cash back for all other purchases and peer-to-peer transactions. Unfortunately, it’s not free money as there is still a 3% fee for sending cash to friends from the card.

You can use cash back rewards for card payments or as statement credits like most cards, or you can send rewards to friends in your Venmo app. You can also split transactions with your friends on Venmo, and use your unique QR code on your card to receive payments.

You’ll get in on some of the classic Visa Signature benefits like the Visa Concierge, the Visa Luxury Hotel Collection, a rental car discount, and Troon golf benefits. If you’re only approved for the basic Visa version you won’t get as many benefits, but you’ll still get Roadside Protection, Emergency Travel Services, and probably a couple others (Visa Signature gets these too).

As of October 2020, you may not be eligible to apply for the card just yet, but keeping your app up-to-date is the best way to know. You’ll see a Venmo Credit Card section at the top of your main menu if you’re eligible, but if not just wait a bit because soon the card will be open to anyone.

You’ll see a virtual card number pop up in your app as soon as you’re approved so you can use the card right away, but your credit limit may be lower until you receive and activate your physical card.

The Venmo Visa Signature card has no annual fee.

Looking for the Venmo Debit Card instead?