Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Venmo Visa Credit Card review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Balance Transfer
Balance Transfer
3% cashback
3% cashback
Signup Bonus
Signup Bonus

Informr score
The Venmo Visa Credit Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Venmo Visa Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The cash back rewards program is designed to provide the most cash back automatically based on what you spend on most. This card easily syncs with the Venmo app. If you normally use Venmo to pay, you might find the card a welcome addition to your wallet.

- Rebecca Lake, MyBankTracker
Best Wallet Hacks
Best Wallet Hacks

The Venmo Credit Card is an excellent choice, especially if you already use their payment app to split purchases with friends or make purchases. You can earn up to 3% cash back, a generous earn rate for a no-annual-fee credit card. And Venmo makes it easy to redeem your rewards through the app. I co...

- Josh Patoka, Best Wallet Hacks
The Points Guy
The Points Guy

Earning extra cash back in categories that adjust to you (and do so automatically) can be great, assuming this isn't done at the expense of your everyday purchases. If your purchases are varied, you may do better with a card that earns extra cash back across multiple categories or earns 2% back on e...

- Ryan Smith, The Points Guy

For habitual Venmo users, having a credit card directly connected to their Venmo account may offer a level of convenience — but the Venmo card does not offer the best cash back compared with some other cards. Its annual percentage rate is on the higher end. It does, however, offer an interesting rew...

- Emily Cahill, GOBankingRates
Money Crashers
Money Crashers

The Venmo Credit Card is an excellent addition to your existing Venmo account. If you use Venmo and have good credit or can get there fast, I can’t see a good reason not to apply. Even if the Venmo Credit Card never becomes your primary credit card, whatever spending you do with it can earn up to 3%...

- Brian Martucci, Money Crashers


Interest Rates
Regular APR Interest Rate 20.49% ‐ 29.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate
Cash Advance Interest Rate 29.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus No
All Purchases 3% cash back

Automatically earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn cash back rewards based on your personal spending each month in these categories:

  • Transportation
  • Travel
  • Grocery
  • Entertainment
  • Dining & Nightlife
  • Bills & Utilities
  • Health & Beauty
  • Gas
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Lost or Stolen Card Replacement
  • Emergency Cash
  • Roadside Dispatch®
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Venmo Visa Credit Card

Rate It: