The Ultimate Guide to Credit Cards™
Thursday, June 8, 2023

Venmo Credit Card Review

"The Venmo Credit Card could be a solid choice for anyone who regularly uses the app. The rewards being automatically applied to your Venmo balance each month is a nice touch."
- Toby Sembower,
Advertiser Disclosure
Venmo Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

3.7

OVERALL RATING

3.7/5.0
Our Review »
  • Automatically earn 3% cash back on your eligible top spend category, 2% on the next, and 1% on all other eligible purchases.
  • Eligible spend categories include travel, dining, groceries, entertainment, and bills and utilities, among others.
  • Rewards are automatically transferred to your Venmo account balance at the end of each billing cycle
  • Apply for the Venmo Credit Card with no impact on your credit score if you're not approved. An approved Venmo Credit Card application will result in a hard credit inquiry.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99%, 25.99%, or 28.99%
$0
Good to Excellent

Interest Rate

This card features the following interest rates on purchases and balance transfers:
  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 19.99%, 25.99%, or 28.99%
See site for details »

Annual Fee

This card features the following fee to be paid annually by the cardholder:
  • Annual Fee: $0
See site for details »

Credit Needed

This card has the following general credit requirement for approval of new accounts:
  • Credit Level: Good to Excellent
See site for details »
Go To Application »

Our Ratings By Category

Best Overall
(Ranked #138 out of 153)
★★★★★
3.7
Cash Back
(Ranked #39 out of 52)
★★★★★
4.5
Good Credit
(Ranked #57 out of 58)
★★★★★
3.9

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to Venmo Credit Card

Be sure to visit the official website for Venmo Credit Card to learn complete details about its features and terms. If you’re not quite sure if Venmo Credit Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Venmo Credit Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.