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Venmo Visa Credit Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
15.49% ‐ 24.49% (Variable)
Interest Rate: Purchases
15.49% ‐ 24.49% (Variable)
Balance Transfer
-
Balance Transfer
-
Rewards
3% cashback
Rewards
3% cashback
Signup Bonus
-
Signup Bonus
-


7.6/10
Informr score
The Venmo Visa Credit Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 9 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...


MyBankTracker
MyBankTracker

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
GOBankingRates
GOBankingRates

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 of up to 24.24% is also on the higher end. It does, however, off...

- Emily Cahill, GOBankingRates
Upgraded Points
Upgraded Points

When it comes to your Venmo cash-back, you’ll likely be best off just deposing the cash into your Venmo account or using it to pay down your cards balance. If you’re interested in investing in crypto, you’d be much better off using another card given the large transaction fees you’ll pay and the fac...

- Jarrod West, Upgraded Points
NerdWallet
NerdWallet

There’s no need to track rewards categories or activate bonuses, offering a simpler way to optimize rewards. But the sign-up bonus is a bit of a moving target, and you must use the Venmo app to get the card.

- Sara Rathner, NerdWallet
Credit Card Insider
Credit Card Insider

The Venmo Visa Signature® Credit Card is not a bad card by any means. The rewards offer a nice degree of flexibility, and coupled with the lack of an annual fee, it’s a pretty attractive offer. The benefits are a bit thin, but some of them could come in handy. And you might get a few more than what...

- Evan Zimmer, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 15.49% ‐ 24.49% (Variable)

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

Balance Transfer Interest Rate
Cash Advance Interest Rate 24.49% (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 $40.00

Maximum

Promotions
Sign up bonus No
Rewards
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®
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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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.

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