Venmo Credit Card
By Alex Compton · Last verified
Automatic 3% on your top spend category every month, no activation games.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xTop spend category each month (8 eligible categories)
- 2xSecond-highest spend category
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Categories adapt to your spending automatically
- ✦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% and 2% with zero category management
- +Broad category list covers groceries, gas, dining, travel and bills
Where it costs you
- −No welcome bonus, ever
- −Rewards live inside Venmo rather than as statement credits
- −Synchrony underwriting can be stingy with limits
The Compound Verdict
A smarter Custom Cash for people who live in Venmo: the 3% category finds itself, with 2% on the runner-up. The lack of any welcome bonus stings, and the rewards are trapped in the Venmo app. Fine keeper, weak first impression.
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