Offer value details
Venmo lists a no-annual-fee credit card with 3% cash back on the highest-spend eligible category, 2% on the next category, and 1% on other eligible purchases, with rewards tracked through the Venmo app.
Qualification requirements
Venmo says the rewards program automatically tracks spending and applies the highest cash back rate to the top eligible spending category each month.
Fees and costs
Venmo and Synchrony list no annual fee. A conditional $1.99 monthly paper-statement fee, APR, interest, cash advances, foreign transactions, late payments, returned payments, and other terms can still apply.
Availability
Applicants must generally be at least 18, live in the U.S. or its territories, and have a Venmo account in good standing open for at least 30 days. Applications are subject to credit approval.
What to verify
- An approved Venmo Credit Card application results in a hard credit inquiry.
- Interest charges and fees can outweigh cash back.
- Synchrony lists a conditional $1.99 monthly paper-statement fee.
- Cash back rates depend on eligible spend categories and rewards terms.
- Venmo account eligibility is required.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.