Venmo Visa Credit Card
SynchronyNo annual feeVisa SignatureNo foreign transaction feeIssuer's page
Already have it? Keep it open: it holds a perk or an upgrade path at no cost.
Accounts approved before 9/24/26 keep Venmo's Monthly Rewards: each statement period, 3% cash back on the top spend category and 2% on the second top spend category (of Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation and Entertainment), and 1% on everything else, paid at the end of the statement period. Accounts approved on or after 9/24/26 earn the card's current fixed rates. The figures on this page are what a new applicant gets today.
No current offer
Earning
| Rate | Category | Return |
|---|---|---|
| 3% | Dining & Nightlife | 3% |
| 3% | Entertainment | 3% |
| 1% | Everything else | 1% |
Personal card · Earns Cash Back
Benefits
Protections (3)
- Purchase Protection, up to $10,000, 90-day coverage for theft or damage on new purchases, up to $10,000 per claim, $50,000 annually (Visa Signature variant only)
- Extended Warranty, up to $10,000, Extends manufacturer warranty by up to 1 year on warranties of 3 years or less, up to $10,000 per claim (Visa Signature variant only)
- Auto Rental Collision Damage Waiver (secondary), Coverage for rental car damage when entire rental paid with card (Visa Signature variant only)
Other Perks
- 3% cash back on Dining & Nightlife and Entertainment, and 1% on everything else. 3% when you use the card as your linked payment method for a Venmo checkout online, a payment to a business profile on Venmo, or a Venmo P2P for goods and services. An additional 1% split bonus on dining and entertainment when you split the purchase with another Venmo user in the app and they pay you back within 30 days
- Cash back to crypto conversion (Bitcoin, Ethereum, Bitcoin Cash, Litecoin) with no transaction fee
- Virtual card number available instantly upon approval for online shopping
- Apple Pay, Google Pay, Samsung Pay compatible
- Up to 6 authorized users at no cost
- Visa Signature benefits including concierge, Luxury Hotel Collection access, and Avis/Budget rental discounts
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Venmo CardOct 8, 2026
- changed from null to Status: unknown; Sign up bonus snapshot: nullOct 4, 2026
- changed from Cash back deposited to Venmo balance. Can be used for P2P payments, merchant purchases, card bill payment, bank transfers, or converted to cryptocurrency. to Cash back deposited to Venmo balance. Can be used for P2P payments, merchant purchases, card bill payment, bank transfers, or converted to cryptocurrency. Two earning rules are described here, not priced as category rates, because each depends on how a purchase is made rather than what it is: the 3% for paying through Venmo and the additional 1% split bonus on Dining & Nightlife and Entertainment purchases split with another Venmo user (paid back within 30 days). The card is priced at its plain 3% on dining and entertainment and 1% elsewhere.Sep 29, 2026