Venmo has a special $200 bonus offer and you can earn up to 3% Cash Back on top spend categories. With this card, you’ll be able to earn custom cashback rewards and it will sync with the Venmo app as well. It’s simple to use, convenient, and good to have.
The Venmo Credit Card is available for select customers that sign up for the latest version of the Venmo app. Additionally, it’s available for all eligible Venmo customers in the United States as well.
Read below for more information on the Venmo Credit Card and what they have to offer.
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*If you’re interested see our list of Venmo Bonuses here.*
| Bonus Available | Earn a $200 cash back bonus once you spend $1,000 in the first 180 days of your account opening. You have until March 31, 2022 to apply for this offer. |
| *Bonus Value | $200 |
| Ongoing Rewards/Benefits | Gain 3% cash back on the category in the category you spend the most.
2% back on the second-highest category. Earn 1% back on all other purchases. |
| Foreign Transaction Fees | No |
| Annual Fee | $0 |
Pros
- No annual fee
- Unique rewards structure
- No foreign transaction fees
Cons
- No introductory bonus offer
- Limited availability
- Bonus category limit
- No break on Venmo transaction fee when using the card
Editor’s Alternate Pick
 The American Express® Gold Card offers 75,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards® point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
Venmo $200 Bonus Offer + Up To 3% Cash Back
The first and second highest spending categories will be automatically detected every month based off of where you spend the most. This way, you won’t have to worry about activating anything for your card. Additionally, there are 8 categories to spend in: grocery, dining and nightlife, travel, gas, transportation, bills and utilities, health & beauty, and entertainment.
All throughout the month, you’ll be able to see what categories you tend to spend the most in and earn around 2% – 3% on the Venmo app.
Redeeming Venmo Rewards
There isn’t a variety of merchandise, gift cards, or other redemption options to really consider with the Venmo Credit Card. Just remember, all of your earnings are automatically credited to your Venmo account. Then, you’ll be able to use these rewards how you want like transferring a balance to your bank account.
Get the Most Out of Your Venmo Credit Card
When you sign up for a Venmo Credit Card, you’ll be able to benefit from their app and their personalized rewards structure. Additionally, this card is great for earning rewards on your purchases as well. You’ll be able to use this card to earn better rewards rates from categories that other cards might not offer.
Venmo Credit Card Benefits
Venmo offers a Visa and Visa Signature credit card and some of the perks you get will depend on the card you sign up for.
Visa:
- Roadside assistance hotline
Visa Signature:
- Roadside assistance hotline
- Concierge for booking: event tickets, travel, and other services.
- Travel and emergency hotline
- Visa Luxury Hotel Collection perks
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Conclusion
Overall, when you apply for a Venmo credit card, you’ll be able to earn their great bonus offer and rewards rates as well. Additionally, they have several perks that will appeal to you as well. There are plenty of ways you can redeem your rewards, and you can make the most out of your card in the top categories you spend in.
What’s the Competition?
Here are some of the top competitors to the Venmo Credit Card that you should consider.
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 in travel. You're able to earn: • 2 Miles per dollar on every purchase, every day. • 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $120 application fee credit for Global Entry or TSA Pre✔®. |
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 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
