Synchrony
Venmo Credit Card
No annual fee · Earns Cash Back
A no-annual-fee Visa from Venmo that earns 3% back on dining, entertainment and Pay with Venmo purchases and 1% on everything else, paid daily into your Venmo balance. It suits Venmo users who eat out and split bills with friends.
- 3%Top Spend Category
- 3%Online Shopping
- 3%Dining
Maintained by Creddy Editorial · Catalog checked Oct 19, 2026
Venmo Credit Card at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Synchrony
- Rewards:
- Cash Back
Venmo Credit Card Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 3% | |
| Entertainment | 3% | |
| Streaming | 3% | |
| Online retail | 3% | |
| Everything else | 1% |
Who Should Get the Venmo Credit Card?
The Venmo Credit Card fits people who spend most on dining (3%) and entertainment (3%). It has no annual fee, so it costs nothing to keep.
Is the Venmo Credit Card Worth It?
The Venmo Credit Card has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Venmo Credit Card Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Venmo Credit Card. Its value comes from its rewards and other benefits on this page.
Venmo Credit Card Travel Benefits
Travel Benefits
- Visa Signature Travel and Concierge Perks
Venmo Visa Signature accounts get Visa Luxury Hotel Collection perks, Visa Signature Concierge, pay-per-use Roadside Dispatch, Travel and Emergency Assistance, and up to 15% off Silvercar rentals. These apply only to Venmo Visa Signature accounts, not to Venmo Visa accounts.
Checked Oct 19, 2026
More Venmo Credit Card Benefits
Bonus Earnings
- 1% Cash Back on All Other Purchases1%
Earn 1% cash back on every other purchase, including Venmo payments to friends that are treated as purchases. There is no cap. This rate applies to cards approved after Sept. 24, 2026.
Checked Oct 19, 2026 - 1% Cash Back on All Other Purchases (Cards Approved Before Sept 24, 2026)1%
For cards approved before Sept 24, 2026: earn 1% cash back on all other purchases, including Other category spend, categories outside your top two, and Venmo payments to friends treated as purchases. Cash back is added to your Venmo balance at the end of each statement period.
Checked Oct 19, 2026 - 2% Cash Back on Second Top Spend Category (Cards Approved Before Sept 24, 2026)2%
For cards approved before Sept 24, 2026: earn 2% cash back in your second highest eligible spend category each statement period. Eligible categories are Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation and Entertainment. If two categories tie, the order of that list decides which one ranks higher.
Checked Oct 19, 2026 - 3% Cash Back on Dining3%
Earn 3% cash back on restaurants, takeout, delivery and bars. There is no cap on what you can earn. This rate applies to cards approved after Sept. 24, 2026.
Checked Oct 19, 2026 - 3% Cash Back on Entertainment and Streaming3%
Earn 3% cash back on movies, concerts, amusement parks, digital media and streaming subscriptions. Membership gyms and golf or tennis clubs count too. This rate applies to cards approved after Sept. 24, 2026.
Checked Oct 19, 2026 - 3% Cash Back on Top Spend Category (Cards Approved Before Sept 24, 2026)3%
For cards approved before Sept 24, 2026: earn 3% cash back in whichever eligible category you spend the most each statement period. Eligible categories are Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation and Entertainment. Cash back is added to your Venmo balance at the end of each statement period.
Checked Oct 19, 2026 - 3% Cash Back with Pay with Venmo3%
Earn 3% cash back when your card funds a Venmo checkout online, a payment to a business profile on Venmo, or a goods and services payment. Make the card your linked payment method in Venmo. This rate applies to cards approved after Sept. 24, 2026.
Checked Oct 19, 2026 - Extra 1% Split Bonus on Dining and Entertainment1%
Earn an extra 1% on dining or entertainment purchases when you split the cost with at least one other Venmo user using Split Transaction. Everyone you split with must pay you within 30 days. This rate applies to cards approved after Sept. 24, 2026.
Checked Oct 19, 2026
Fees & Miscellaneous
- Cash Back to Crypto
Turn on crypto auto purchase to have your cash back buy Bitcoin, Ethereum, Litecoin or Bitcoin Cash. The automatic purchase has no crypto transaction fee.
Checked Oct 19, 2026 - Daily Cash Back to Your Venmo Balance
Cash back is added to your Venmo balance daily, usually within three business days. It never expires, and you can spend it, send it or move it to your bank. This applies to cards approved after Sept. 24, 2026; earlier cards are paid at the end of each statement period.
Checked Oct 19, 2026 - No Annual Fee
The Venmo Credit Card has no annual fee. Other fees and interest may still apply under the card terms.
Checked Oct 19, 2026 - No Foreign Transaction Fees
The card charges no foreign transaction fee on purchases made outside the U.S. or with foreign merchants. There is nothing to activate.
Checked Oct 19, 2026
Venmo Credit Card vs Other Synchrony Cards
- CareCreditNo annual fee
- OnePay CashRewardsNo annual fee
- PayPal CashbackNo annual fee
- Sam's Club MastercardNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Venmo Credit Card FAQs
What is the Venmo Credit Card annual fee?
No annual fee