Venmo Credit Card
By Alex Compton · Last verified
3% on dining, entertainment and Venmo checkout, up to 4% when friends split the bill.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Venmo Credit Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2020-10 | $0 | No recorded spend | Earliest recordLaunch, no welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Earn structure now 3% dining/entertainment (+1% when split), 3% pay with Venmo, 1% else; no annual fee, no FTF, no welcome offer
Fields: earningRates, tagline
Venmo Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xDining and entertainment (including streaming)Extra 1% when you split the purchase in Venmo and friends pay you back within 30 days
- 3xPaying with Venmo (online checkout, businesses, goods and services)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Up to 4% on dining and entertainment when friends split the bill in Venmo
- ✦Cash back drops straight into your Venmo balance
- ✦QR code on the card for instant Venmo payments
- ✦No foreign transaction fees
Why it earns its spot
- +3% on dining, entertainment and Venmo checkout with nothing to activate
- +Split purchases with friends in Venmo for an extra 1%
Where it costs you
- −No welcome bonus, ever
- −Groceries, gas, travel and bills now earn just 1%
- −Rewards live inside Venmo rather than as statement credits
- −Synchrony underwriting can be stingy with limits
The Compound Verdict
Venmo dropped the old auto-adjusting top-category structure. It now pays 3% on dining, entertainment and anything you pay for with Venmo, plus 1% extra on dining and entertainment when friends split the bill in the app, and 1% on everything else. Good for social diners who split tabs in Venmo; everyone else gets better everyday value from a 2% card.
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