VisaVenmo Credit Card
Automatic 3% on your top spend category every month, no activation games.
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xTop spend category each month (8 eligible categories)
- 2xSecond-highest spend category
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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